Re: got my fico!!! 565 - 3 charge offs, 1 collection, too many inquiries, not enough establish credit (?), 8 pays as agreed accounts. Guess thats about right for where i am.
Re: Credit Score 0-2 DAmn it I can't remember my log in or password have to call on Monday, then I try to get hubby's score and I get error code 16 email and wait for reply. I am ticked off at the moment
Re: got my fico!!! waiting for mine.took my credit card info and told me they would e-mail me when they were able to give me my info. they said they had a high volume of requests
Re: www.scorepower.com www.scorepower.com (equifax.com) $12.95 click on the "testing now" button and get it!!
Re: Yes its online now!! Yes this is suppose to start tomorrow. Its online now. It puts a soft-inquiry on your equifax (two actually, one for ID , one for credit).
It's right now But of course I get error for my hubby's score so I guess I won't here from them til tomorrow and I can't remember my damn ID so I still won't know til tomorrow. Did anybody else get and error 16??? I am hopping mad
Re: www.scorepower.com yes but they use FICO........... Author: GEORGE (---.ftclns1.co.home.com) Date: 02-19-01 21:06 JUST MY OPINION...F.I.C.O. does not give enough weight, if any to payment history...
Error 16 I also got ERROR 16! How frustrating! And it says my husband is already a member and I can't remember his password! ARGHH I'm off to BBQ, what a dissappointment.
Re: Error 16 Sorry Annmarie, but atleast I know it's just not us, but yes I am very mad finally release them on a SUNDAY so you can't get through
Re: Error 16 Author: deleted (12.29.13.---) Date: 03-18-01 13:46 yes but they use FICO........... Author: GEORGE (---.ftclns1.co.home.com) Date: 02-19-01 21:06 JUST MY OPINION...F.I.C.O. does not give enough weight, if any to payment history... DELETED, AND YOUR POINT IS????
score This is embarasing to admit, but my score is a 466!!! Man, do I have some work to do or what? I'm working on getting these old collection accounts off as of now, I have a discharged CH12 from 1993, TU and Experian have removed it, but equifax continues to report it other than that I don't know what to do. Christi
Re: Error 16 I think FICO scoring is screwed up. I just got my score and my fiance's. Mine (with perfect payment record almost 10 years in length) was a 639. My fiance (with an judgement that is not his and Equifax won't remove that was added in 1/99 and a history of almost 7 years) was a 669. Very screwed up!
hmmm I just got my score: 772. I'm trying to get to over 800 which they say only 11% of the population has. I think I can get there by disputing inquires. How do I go about disputing inquires? Do I have to dispute with the CRA or with the company that requested the inquiry?
Re: Error 16 I just tried, they said they couldn't verifiy my ID, to fax proof of ID. Duh. I guess I have to wait. btw, I think the discrepancies in scores is one of the "big beefs" eveyone has with fico. Your score can change with no changes to your report. Go figure.
Re: hmmm Some people have had luck with disputing inquiries, others have not. Dispute with credit reporting agencies and then creditors...can't hurt (UNLESS THEY PUT A FRAUD HAWK ALERT ON YOUR ACCOUNT)
GEORGE Point is that some of us follow your postings,like me and I agree with you that FICO is not always the favorite model.I like Qspace better(gives higher numbers)also low scorers are in good company.Those who pay cash...saved to buy that car and beat out the interest man.Renters who beat out the property tax man etc.------------------------------------------- on another note I received a pre-approved offer from Capitol One I thought it interesting that one of there selling points was "plus,you will not receive telemarketing calls from us!"
