FICO score increase

Discussion in 'Credit Talk' started by Jim, Sep 28, 2000.

  1. Jim

    Jim Well-Known Member

    My Chap 7 B.K. was final 18 months ago. Here is some history.

    Foreclosure 2/98
    B.K. requested 11/98
    B.K. granted 2/99
    Used Mercedes purchased 3/99. FICO = 530
    Credit Union Visa card granted 5/2000 FICO = 641

    All bills paid on time since 11/98. When will my FICO score hit 700 or better?

    Thank you
  2. David

    David Well-Known Member

    I seriously doubt your FICO score was 641 a year after bankruptcy and foreclosure. Maybe 541, but not 641.
  3. molly

    molly Well-Known Member

    My credit score is too low even for the chevron credit builders card. They use experian which is my worst report. The other two only have 4 bad marks(2 charge offs one paid and one unpaid ($96) and 2 paid collections).Without applying for a loan how can I get my fico scores? I tried the simulated ones on various web sites but I don't feel that their accurate. I scored a 630. Where can I get a "real" score????
  4. Michael

    Michael Guest

    Only by applying for a loan, or having a friend who works somewhere who could pull the report for you!

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