- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Help with a credit analyzer
Posted on 6/14/12 at 9:28 am to coonass27
Posted on 6/14/12 at 9:28 am to coonass27
Credit projections/analyzers are never 100% accurate, but some are better than others. I subscribe to IdentityGuard and they have a credit analyzer for all 3 CRAs. I have found them to be extremely accurate. The only problem I have with their analyzer is that it cannot account for score projections from removing derogatory info (chargeoffs, late pays, etc). It only projects for reducing or increasing debt, new credit cards, closing cards, etc etc.
As mentioned above, you might be able to get some better info from others if you describe what situations you are trying to analyze to increase score. Jon is correct that decreasing debt and credit utilization is the best way to maximize score, but there are many other situations you could be referring to.
As mentioned above, you might be able to get some better info from others if you describe what situations you are trying to analyze to increase score. Jon is correct that decreasing debt and credit utilization is the best way to maximize score, but there are many other situations you could be referring to.
1
Posted on 6/14/12 at 10:05 pm to mglsu21
It will raise my middle score a lot. Its nothing bad as I dont have any collections, or past due accounts. the only bad thing is I was late on a couple of cc payments/ truck payment back in 08 when I lost my job. No repossessions or defaults, just 30 days late. 2 of My scores need to come up a little to get a better intrest rate but they are due to my credit cards being too high. I dont have a bunch of debt and it will only cost about 5k to get this where it needs to be. ( after that I will have maybe 2k total in credit card debt)
What is getting me is one report says to pay this to this and this to that and it will increase my score to X. the next report says entirely diferent things. they are both paying down debt on the cards but each one has diferent amounts for diferent cards. Just didnt want to do one and and not get the bump I need.
Would it be better for me to take all the cards and just pay them down to half of the limit? (would be about the same amoun) Im not sure how they view this but need to get my scores up so We can build
What is getting me is one report says to pay this to this and this to that and it will increase my score to X. the next report says entirely diferent things. they are both paying down debt on the cards but each one has diferent amounts for diferent cards. Just didnt want to do one and and not get the bump I need.
Would it be better for me to take all the cards and just pay them down to half of the limit? (would be about the same amoun) Im not sure how they view this but need to get my scores up so We can build
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News