O.k. last night I was reading through the threads but didn't have time to post or chat (too busy BBQing and drinking Coronas!). Anyways....I got my score and was rather shocked: Drum Roll... 605! (Is this a joke?) I seriously expected something in the low 500's. My report consisted of the following negative info: Public Records: None Open Collections: $84 $87 $1200 Other negative info: 6 paid chargeoffs w/ zero balance 1 account that was reported 60-90 days late that was settled for less than full amount. Just a side note: Junum obviously is disputing stuff because next to almost every singe negative item (w/the exception of like 2 items)it says "Costumer Disputes....re-investigation in progress". Well, I find this rather interesting. At any rate, I have sent TWO validation letters regarding the $84 and $87 collection accounts (for some checks that I didnt' write) and they have NOT RESPONDED! What should I do now? As for the $1200 collection, I have already negotiated w/ the original creditor in exchange for complete REMOVAL but I see that Junum submitted a re-dispute for that one. I think I'm going to wait and see the results of that before I pay. No sense in blowing off $300 that we agreed upon for nothing. They told me that the offer will stand and I can do it when I'm ready so I'm not pressed for time. But I did promise myself that I would have stuff taken care of by June.
Re: MP's FICO Score - Interest I think this shows the weight in having paid $0 balance charge off's versus open $$$ balance charge offs. hmm..
Re: MP's FICO Score - Interest Wow Mp 605 isn't that bad considering your negatives, I am happy for you and now I am more confused then ever, I got hubby's last nite mine is still in limbo somewhere in Equifax land Anyway his was 577!!! with just one collection from 1995, this does not seem right. But of course I am happy for you just the same girl Mom
Re: MP's FICO Score - Interest You think maybe my score was higher due to the fact that I have accounts on there that are at least 9 years old??? I do have Am/Ex reporting on there also that shows highest amount charged of $2100. I'm just trying to make sense of all this.
Re: MP's FICO Score - Interest Maybe MP who knows, what gets me the most though in Oct EQ 580 and TransU 660, same EXACT information, I know they score differently but 80 points?? Something is up with that entry on Equifax or TU is very generous which I don't believe. Mom
