I now know how I got here. I got 2 deletions on EX over the weekend. That is what brought me to the 600 club. I have one more deletion I am expecting per their letter, hope I get at least 15 points for that. Also in the news: FNBM agreed to delete charge-off with pay. I am paying exactly 12.5% of the total debt. And I also made sure I got it in writing. Now let me get FCNB to do that. Thanks board! I am going to send them a check this week. I also noticed through CE that 1 inq. was deleted. Do not know which one since my CR is blocked. So it looks like EX will be the best report for a while. Please prepare yourself for a conversation on how to get the GM card, Discover and MBNA with multiple student loan defaults, 2 charge offs and a judgement. Can it be done, lets wait and see, once all inq. are disputed and see where the score rises to. Hopefully we will be in the 650 neighboorhood, which will also make my EX car loan score higher. Really need that.
FAKO score is what we call the score you get from TU with your report (the free one) and the Experian Credit Expert Score (though of late, they have been saying , it is your real score) The only real score I know for fact is the one Equifax gives you with Credit Watch. That is a true fico score, that is why we call the rest FAKO
