I have been reading on this forum for almost a month 1/2 and have learned a lot of information and have had deletions but I am still confused why my credit score hasn't gone up but 15points. 537 TU:5 NEGS 3COLLECTIONS/ 1CHARGEOFF/ JUDGEMENT REMOVED 525 EX:6 NEGS 3COLLECTION/ 1CHARGEOFF/ LATES/ CC deletion SOL EXPIRED 536 EQ:7 NEGS 4COLLECTION/ 1CHARGEOFF/ CC deletion SOL EXPIRED The same collections are on all CR and I have lates that are like 2-3 yrs old. I have disputed and they have come back verified. What avenue do i take now to further increase my FICO. And I must add that I have made great progress I just though the progress i made would yield a better outcome than what i have received.Any help would be greatly appreciated.
in my experience my scores have gone up more when i got a new line of credit and paid on time and did not max it out... should raise your score fast. i started out at 515 about a year ago and i am now at around a 620. i have 2 credit cards and a new truck loan on my credit which has really boosted my score.
I have 2 CC and they are not under the required 50% but i also have a car loan and several other accounts that i have paid on time for over a year. How long does it take to see an increase once judgement was remove and a cc sol has expired and been deleted. the sol for the cc was aug 08.
in my experience. i had 2 judgements removed and the scores did not really change cause they were old. i think it went up about 10 points. i always see the score jump the same week it is removed. yes over time you do get more points. they say that on CC you should keep less than 30 % on them... this will also raise your scores a little too.... where are you getting your scores from? i am on a site were i can update mine daily but it is not 100% accurate the scores differ by about 10 to 20 points from what a lender will pull.. also watch your inquires.. they will drop your score. if you can have some deleted that will also increase your score.
i use this company too. the credit scores i get are not accurate. i have had a mortgage company pull my reports on the same day i pull them and the scores where different by 20 or 30 points on some. for instance the Equifax report score i had was a 588 but the mortgage guy showed it at a 615. why it is different i am not sure. i thought maybe it was just different for mortgage company's but when i bought my truck and they had to pull my reports again for it with scores they were still different. so dont bank on the score being 100% correct. they are not. or at least mine are not.
are you able to log into it today. i have been trying for 2 days to log in and it keeps telling me that it can not find a server. so i called the company and they said it was my computer. the one i use every day to look at it all of a sudden wont let me pull up there sight. i think they are having technical issues but i wanted to check before i called back to complain again.
No not really it said something about security restriction so i need to call a 1 800 number to verify my identity.
These scores are not real FICO scores. Around here you'll see them called FAKO scores. The only real FICO scores are from myfico.com. Even then, the scores may be different than what your mortgage broker pulls, because there are different scoring models, and they only sell you one. Your broker probably gets a mortgage-enhanced score.
