Take a look at my Fico scores on my Sig. What the heck is going on? All I did was apply for a Cap 1 card! It lowered my good score by 3 points or else it would have been 597, but what is the deal with the other ones? I still have to get the judgement removed from TU which wasn't mine, that is why I got the jump on my good score. But why are they SOOOOOOOO different? THE SUCK!
One more thing. What card can I apply for with my 595 score? I only want it to check this agency, and I though that Cap1 would do it, but they denied me and put hard one's on all 3 credit bureaus...
BTW.. I applied for orchard, and they only wanna give me a secured card if that is one that you are going to suggest. The inc didn't even show up anywhere, what is the deal with that?
Hate to tell you this but not very many if any. Your going to have to be in the 600's to even have a shot. Yeah, Cap 1 is known for putting hard inqs. on all three CRs. I had 3 hard pulls for a lousy $300.00 CLI. I never had an Orchard cc, so maybe some of the other posters hear can help you out on that. Best regards, Mirage
My FICO is 50 points higher than yours and I can't get approved for anything either. I suspect if it isn't a secured card, you're not gonna get it. BTW, when my FICO was in YOUR range, Wells Fargo urned me down for a SECURED CARD!!!!
here is my equifax report info Mortgage 0 $0 Installment 17 $73,535 Revolving 5 $4,969 Other 7 $1,336 Total Accounts 29 $81,387 Number of Open Accounts 10 Number of Closed Accounts 19 Total Accounts in Good Standing 14 Accounts Currently Past Due 4 Total Negative Account History 1 no collections on file and my score is...537 the reason my installments are so high is 39k in student loans which is current(just consolidated into 2 loans) and 20k in car loans.. Negative Factors Here are the top factors where you have the most opportunity to take action that will increase your FICO score over time (they are listed in priority of impact on your score): Evidence of being seriously late or having derogatory indicators/remarks on your credit obligations is being reported on your credit file More information Balances are due on accounts that are past due or have derogatory indicators/remarks More information The time since your most recent past due payment is too recent or unknown More information You have recently been seeking credit or other services, as reflected by the number of inquiries posted on your credit file in the last 12 months More information my TU is next...
My TU info Account Distribution Account Status Account Type Count Balance($) Payment($) Current Delinquent Derogatory Unknown Real Estate 0 0 0 0 0 0 0 Revolving 6 5209 201 3 2 1 0 Installment 20 58677 843 5 0 1 14 Other 0 0 0 0 0 0 0 Collection 1 1547 0 0 0 1 0 Total 27 65433 1044 8 2 3 14 Open Accounts: 14 Closed Accounts: 13 Public Records: 1 Inquiries: 1 within 30 days, 3 within 90 days, and 5 within 6 months Copy and past to a word doc for best results...** incs with dates... info---- what can I get rid of? CAP ONE BANK 10/26/2003 HAFC 09/09/2003 WACHOV/FTU 08/02/2003 CHASE 05/29/2003 GREENWHICHHOM/AUTOINFOSV 05/08/2003 MORTGAGELOANC/STANDFACTS 02/26/2003 ALLIANCEPRICELINE/CREDCO 01/05/2003 TRANSOUTH 09/12/2002 HAFC 09/10/2002 AMERICREDIT 09/10/2002 CAPITAL ONE 09/10/2002 HILLSIDE FRD 08/28/2002 HAFC 06/08/2002 AMERICREDIT 06/08/2002 AMERICREDIT 06/08/2002 PLANET HONDA 06/08/2002 1ST PREMIER 04/24/2002 224MORTGAGES/MORTGAGESVC 03/20/2002 MAXON MAZDA 03/13/2002 1ST PREMIER 11/26/2001 HAFC 11/23/2001 LICCARDI CHR 11/17/2001 My collection account on report ASSET ACCEPT Original Creditor: PROVIDIAN FINANCIAL Responsibility: Individual Account No.: 43***** Type: Collection Original Balance: $1236 Date Opened: 12/01/2001 Date Reported: 09/01/2003 Balance: $1547 Condition: Open Remarks: No forwarding address Even though I have this: AMEX Account No.: 0521206510******** Type: Credit Card Payment: Date Opened: 07/01/1999 Balance: $1336 Terms: Date Reported: 05/01/2003 High Balance: $1336 Limit: Past Due: $1336 Condition: Derogatory Responsibility: Individual Status: Collection/Chargeoff Remarks: Charged off as bad debt Canceled by credit grantor Two Year Payment History: None Reported Seven Year Payment History: 30 Days Late: 60 Days Late: 90 Days Late: I only show the providian as the charge off- what can I do with this?
You are posting alot of confidential info, remember the CRA's read these boards. For secured card try http://www.apbank.com/ Visa, $300 to open, reports to all 3 unsecured, 17% interest, cash advance on your money, credit line is what you deposit, been there for awhile, will convert to reg. account soon, and I have savings now. Do not use your money to pay sleazeball sub-prime interest rates and fees, put it in YOUR OWN account!
So, here is my question, How long will this mess take to fix? I don't plan on being late again, and now I am 100% repair mode. Too bad that I don't have much extra cash to take care of the stuff. I think that tax day is when I will take care of my credit card debt and my MBNA loan.
Re: Re: I Don't Get It!! My Fico Sux! Repair Mode (which I hav ebeen in for about a year now, and have gotten rid of 90% of my derogs - the rest fall off within 2 years) consists iof the following steps: VALIDATE - any CA's youh are ealing with get a Validaation Letter immediately DISPUTE - All CRA's get dispute letters dispting anything that isn't 100% accurate and any derog, even if it IS 100% accurate LITIGATE - Become knowledgeable about FCRA and FDCPA and immediately threaten to sue ove any violation of your rights under those laws. Carry out the threat when necessary.
Re: Re: I Don't Get It!! My Fico Sux! here is the thing, I know that all but a couple of the accounts are mine. For instance, I had a judgement on my account which wasn't mine, and I have had it removed off of 2 CRA so far. TU to go!! and they got a letter Certified with mail reciept last week. I just want to get rid of the derogs... I know that I did it, and now I just have to rebuild, do I dispute stuff I know is accurate? How will they remove something that they will be able to validate?
