- myFICO® Forums
- About ah32
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for
since
06-05-2007
ah32
Frequent Contributor
337
Posts
11
Kudos
03-28-2015
01:01 PM
1 Kudo
I got an 8 point bump last night. I paid off a medical collection that will be removed next week, so I thought it was early. I'm anxious to see how this will affect me! I'm at 611 on Transunion now. My student loans will be rehabbed in June, so I'm hoping by the end of the summer I'll have a decent score! I swear I'm addicted to these forums!
... View more
03-28-2015
01:06 AM
I would sell the camry. It sounds like you stand to lose the least amount of money with the camry. Try to sell to a private party. Maybe another relative wants to take over the car? What about your financing? Can you refi the BMW in order to save on interest?
... View more
03-27-2015
12:18 PM
I've tried a few times, but with no luck. I'll keep trying! And, they're paid accounts!
... View more
03-26-2015
05:55 PM
Great experience today! The woman from the collection agency was really helpful and suggested I pay a medical bill by moneygram. It would allow the payment to post faster. I paid it today and caller her with the confirmation number. She said it will post tomorrow and Monday she'll send me a letter that states she'll be deleting from all 3 reports in addition to sending the letter to the bureaus. Could it really be this easy? I'm excited because it's a recent collection and is on all 3 reports. I wonder how my score will be affected? I'm hoping for a decent bump!
... View more
03-25-2015
05:52 PM
I think that's what I'll do. I know they won't approve my Equifax score. I'm going to end up with a higher interest rate, but maybe DCU will refinance down the road. My auto enhanced score is 655 on Transunion. I'm looking at a Honda or Toyota. I'll buy my Experian score tomorrow and I expect it to be close to Transunion. Should I go to both dealerships and see who will give me the best offer? If I apply within a short period, they should all be looked at as one inquiry.
... View more
03-25-2015
05:28 PM
So, I decided to sign up for a DCU account based on the fact that I don't qualify for NFCU. I would if my dad would apply, but he's not interested. So, they pull equifax and I'm in the process of getting my documents verified. I'm not sure why I bothered. Equifax is my lowest score and by almost 80 points. Should I continue with the process? My score is a paltry 533 fico 8. I am hoping to get an auto loan and the only loan I had (that was paid off and never late) isn't reporting to Equifax.
... View more
03-25-2015
02:05 PM
Thanks! I'm going to call tomorrow and record the call as I make the payment over the phone. Better safe than sorry. It does help that they both had inaccurate addresses, although the OC had the correct address. They agreed immediately, so I'm hoping this will happen fast!
... View more
03-25-2015
01:50 PM
Please update when they delete. I'm paying two bills tomorrow and they have promised to delete two medical collections. I was assured they would be deleted. They're not with Hauge, but I think medical bills are easier to have removed once paid in full.
... View more
03-25-2015
01:44 PM
I have a couple of medical bills that I need removed. One is only $84! I called two separate agencies and asked to have the accounts removed from my credit reports if I paid them. They immediately agreed. I know I don't have this in writing, but I don't have the time to write a pfd. Being that they both agreed so quickly leads me to believe this is common for medical bills. I'm going to pay tomorrow and will update this thread if they are indeed removed. One agency is called Account Services out of San Antonio and the other is American Account Advisors out of Cottage Grove. Wish me luck!
... View more
03-24-2015
08:18 PM
I bought a car years ago and paid it off after about 6 months. It's reporting to Transunion and Experian, but not Equifax. It's affecting my auto enhanced score. I recently signed up for DCU and they only pull Equifax, which is my lowest score by far. Sadly, it's about 75 points lower than Experian and Transunion. Has anyone ever worked with a creditor to get them to report to all 3 bureaus? I'm going to reach out to citifinancial and hope they agree to report to Equifax for an old loan.
... View more
03-24-2015
02:53 PM
Great idea! Would I bring the collection agency to small claims court or the clinic? I'm assuming the medical clinic for giving the information to the collection agency? I'm going to file tomorrow!
... View more
03-23-2015
08:58 PM
Interesting! Yes, I've googled and will take a look again. The sad part is when a small medical bill drastically affects your score. I know that I could seek legal counsel, but it will cost me. I doubt an attorney will waste their time. All I want is to have it removed upon payment. I guess I better do more research and take care of this. Thanks.
... View more
03-23-2015
07:30 PM
Why can't it be discussed? I've read other people say the same thing and it makes no sense to me. I have a medical bill on my reports and they violated Hipaa by informing me of every detail that happened during my doctor visit. I find it difficult to research my options. I don't think that medical bills should be allowed to report on credit reports, but I don't make the rules.
... View more
03-22-2015
06:48 PM
1 Kudo
You can buy your auto enhanced score through MyFico. When you renew your score now, it will show all your different scores.
... View more
03-18-2015
10:04 AM
I'm a monthly member and can't seem to find the option to buy the auto enhanced score. It's finally time to buy a car now that my score is better.
... View more
03-14-2015
01:46 PM
Can you refinance with a lender that will report to the credit bureaus?
... View more
03-12-2015
11:05 AM
Fantastic news! I disputed the incorrect info and it was removed from Equifax and Experian. I'm hoping Transunion will remove in the next day or so. They have 2 days left to finish the dispute. This was the one item on my account that I didn't take responsibility for. I wish I would have disputed sooner!
... View more
03-10-2015
12:33 PM
I wouldn't add an account now. Between the added inquiry and account, the bureaus were undecided on my score. Experian and Transunion went up and down, while equifax tanked. I would focus on removing late payment and derogatory accounts. Sometimes it takes a few letters to get them to budge. Explain to them that you only need 2 points and you need a new home for your family. I got personal and had better results. If possible, you can also lower your utilization. If you weren't about to app for a mortgage, I would agree with adding an account, but you never know how your score will react. It's too unpredictable. Good luck!
... View more
03-08-2015
01:12 PM
Thanks! Two accounts were removed the same day, yet still no update almost a week later.
... View more
03-08-2015
01:18 AM
1 Kudo
Because you know what your scores were before, please let us know if they return to the same scores. I'm interested! This is quite serious and if you were to need credit before the late was removed, it could potentially cost you money. Lawsuit? I'm half joking. Businesses need to be held responsible for false reporting!
... View more
03-02-2015
01:26 PM
2 Kudos
Hey guys! I called Experian with my credit report number. I told them I was calling because a previous agent told me to call 2 months early to have items removed. I called last month and was told both times they now only do a 1 month early removal. The guy agreed to remove both items now! I'm really excited! This is the year I'll have almost all my baddies removed. I can't wait! I'll update if they are indeed removed.
... View more
02-21-2015
02:18 PM
I'm next expecting they use the exact same formula, but I find it off there's a 75 point difference and the info isn't that much different. It would be fine if they creditors used my highest score or even the middle score, but they are often using my lowest score.
... View more
02-21-2015
09:12 AM
My equifax goes down by 4 and my experian score goes up by 9! I hate that credit cards in my area use equifax. It's lower by almost 75 points! I wish all the bureaus were forced to follow the same guidelines. This is ridiculous. It's common for my transuinion and experian to be possitively affected while my equifax score drops. Go figure.
... View more
02-08-2015
10:45 AM
I would call and ask for them for a recon. Good luck!
... View more
01-21-2015
09:45 AM
It's certainly not much, but I wanted 3 tradelines open. Now I have them and it didn't cost me an inquiry.
... View more
01-21-2015
09:04 AM
After receiving the pre-approval letter, I decided to try the shopping card trick and it worked! I've tried about 20 times on various cards to no avail. I have 4 inquiries that wll fall off in November and I really don't want any more inquiries. I know they don't do much to your score, but I still don't want them. I called and asked for my name to be removed from the don't call list about a month ago. I also joined their points card a couple weeks ago. I think that is what did it. I doubt I'll use much, but it's a start!
... View more
01-21-2015
08:59 AM
A home is a better investment than an expensive car that will depreciate. I doubt your rent will stay that low over time. Buy the house now and the car later. You never know when the bottom will drop and you're out a job. At least you would have the house to fall back on. You could get roommates, sell, etc. Just my two cents.
... View more
Latest Tags
No tags yet
Kudos from
