I have been reading for about 3 weeks now and found a lot of helpful stuff but there is just so much... I started repairing my credit about 6 mos ago and have brought my scores from about low 500's to now ... EX - 628, TU - 631, and Woo Hoo EQ - 728, My Equifax I have basically gotten down to just my Student Loan ( in good standing) and 2 Hard requests. No Credit Cards on this one. My TU I have Gotten down to just My student loan, BUT I also have 2 uncollected debts. 1 is an old electric bill from a ski house that I ran for $325 ..I agreed to pay it off and they will remove it from my report. also a doctor bill for $625.... I don't want to have to pay that one but will if it is necessary to get it off. I also only have 2 hard requests on this on also. Lastly is my nightmare, EX on here I also have the old electric bill (which will be removed) and an old Wiz CC the high credit was $704 opened in 93' and Date of status may 2000, that was settled for less than the full balance. Next was my old studen loan before it was transfered.. status is transfered to another office but has me listed a 60 days late 2x and 90 days late 11x,ouch. and a Providian CC high limit $1200 Charge off $2158 which is inaccurate actually $1800, I settled this one also Status: Paid account/charge off. 30days 3x, 60days 2x, 90 days 5x. I disputed this 2x and EX will not do it again. then I have a small CC that I just got $250 limit (woo Hoo) and my good student loan ...also there are 3 hards inq 2 from same company...... I guess my question is if ex will not dispute the providian acct again what am iI to do ..its killing me .. and as far as the medical bill should I pay it or just keep disputing it ... last question is should I do anything about the inquiries is 2-3 too much.?? any help would be great ..Im looking to buy a house soon I live long Island NY so you can only imagine and right now I cant even get a CC. AL
I just joined PG and my EQ score was 663 and on my FICO it was 728 ..how come such a big difference ...which one is closer to the one lenders see...???
wait WTF... on the report from PG I have 5 Hard Inq for EX, 3 for TU and 3 for EQ ...MYFICO has 3, 2, 2 ..how can I have different reports
