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Discussion in 'Credit Talk' started by dee, Dec 1, 2000.
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what is knowyourscore.com. You guys lost me.
my score is 546,
Which agency was the score from? This does count as a hard inquiry correct? Really don't have advice, just curious though my scores were 540-560 and I have NO negatives, just one 30 day late??????
no. can anyone get their score at this site. How do you know it is legit.
the rep I spoke to did not tell which agency she used. I have emailed her to ask that very question.
I beleive it is a lenders site and it is a hard inquiry and I believe you pay????
Roni, I don't know if its legit but this is the email she sentenise,
Your credit score is 546. The reasons are:
1. Serious delinquency and derogatory public record or collection filed.
2. length of time accounts have been established
3. too many inquiries in the last 12 months
4. proportion of balances to credit limits too high on revolving accounts
It sounds like you are on the right track trying to pay everything off.
There are quite a few accounts on the report that are being disputed. What
are the status on those? Are most of the collections medical? We may be able
to help depending on your situation.
Oh ok, here is the deal.
I got my scores from this site in the summer. This is a mortgage co. who pulls your credit. Yes, it is a hard inquiry. They tell you your score over the phone. The mortgage co is out of ohio. They are trying to sale you a home in Ohio, so you have to provide phoney Ohio address. It is a lot of work to find out your scores.
Yes, mom I looked it up and I used this site in the summer. I guess we should just answer Dee's question now.
I am just curious how my score is simliar yet I have no negatives?? Damn FICO
Welcome to the board. I know you are knew here, but the first thing You must do is buy a credit repair book which contains form letters. You have alot of letters to write. you must start disputing some of the collections on your reports. I would start with the paid ones. These are mostly the easiest ones to get deleted. YOu need to do it correctly though. Read a book or ask for advise here. Good luck
OK-Roni, I have read many of your posts. What book should i buy please give me any and all suggestions.I have already strted to disput the pd ones on equifax. I'm still waiting for tu to come in .
Guaranteed Credit, by arnold Goldshein has about 22 form letters good one.
what is the web address nowyourscore.com is this right. Thanks in advance Jim B
I'm sorry its knowyourscore.com
Sounds like the derogs. are the most damaging, but your other accounts are pretty recent- it takes a few years to "season" and really start to count towards the positive. GOod luck
About 6 years ago I worked as a collector (please don't hate me!) My trainer recommended that we read a book - she was selling called Become a debt reduction & credit consultant. It really helped me to understand consumer credit a lot and it helped my sister clean up her credit after her divorce. Basically its a big black book & video tape about how to set up your own business as a credit consultant. It has lots of letters and lots of info about the different situations you may run into from getting rid of late pays to getting judgements taken off.
Renee recommended this book to us collectors because our company purchased charged off accts and by analyzing the credit reports we could see if the client was trying to "clean up" their credit. If they were, they were a prime subject and we would call & offer them a deal to "bullseye" their acct.
Anyway, my sister still has the book but I'm in touch w/ Renee if anyone is interested email me and I will pass your info to her.