Mom I forgot my password to the ficoguide internet service to get the codes interpreted from 3in1 merged report. Can you please EMAIL the reasons for each code to me. You dont have to type the whole thing. I want you to email so I can get the info from my wireless web while at work. My codes were EFX Beacon : 00039,00014,00008,00013 TUC EMPIRICA : 038,013,020,002 thanx roni
sorry to keep bugging you guys but would you please suggest some good cards for me to appply for . you have been so helpful and i think i can do this. I know its going to take time!!!!!!! thanks alot for your help so far.
Here ya go Roni 39 SERIOUS DELINQUENCY 14 LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 08 NUMBER OF RECENT INQUIRIES 13 LENGTH OF TIME SINCE ACCOUNT DELINQUENT 38 SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 20 LENGTH OF TIME SINCE LEGAL ITEM FILED OF COLLECTION ITEM REPORTED 02 DELINQUENCY REPORTED ON ACCOUNTS Kelly
Roni - a question please... I read below that your Equifax score went from 593 to 653 in 8 months. I know that you have actively done a lot of credit disputing during these months. If you don't mind, could you tell me what changes (other than time) occured on your Equifax report during the 8 months to increase your score so highly? (i.e what did you get deleted, changed or paid?) Thanks, Marci
Marci...... The differences are: +'s : 1) 3 defaulted citibank loans removed 2) Added Providian FCNB ORCHard Citibank (gold and plat) Chase (classic) House Auto loan Chase bank secured loan paid $1,000 Capital one (2 new accounts) Spiegel 3) consolidated my defaulted student loans and they all show 0 balances but still reported as 120 days late although my merged report shows them current. Huh 4) deleted a utility charge off deleted a health club charge off These are all the improvement that i got from equifax. I pulled my score from eloan on 4/5/00 just before they were forced to stop reporting scores. It was 594. My changes(additions and deletions above all happened in april 2000 or after. I got a zillion inquiries which is weighing my score down even further. roni
