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Posted on 8/11/13 at 2:23 pm
Posted on 8/11/13 at 2:23 pm
(no message)
This post was edited on 12/21/21 at 9:42 am
2
Posted on 8/11/13 at 3:33 pm to XanderCrews
Nice and good post 
Posted on 8/11/13 at 3:37 pm to XanderCrews
quote:
So now im sitting at 790+- across the board....
Which company did you use to find out your credit scores?
Posted on 8/11/13 at 3:48 pm to Will Cover
(no message)
This post was edited on 12/21/21 at 9:42 am
Posted on 8/11/13 at 3:58 pm to XanderCrews
I pay $9.99 a month through experience and I can get all 3 of my reports and scores once a year but I can get my experience report and score anytime I want too.
They alert me to changes in my credit report also.
They alert me to changes in my credit report also.
Posted on 8/11/13 at 4:12 pm to XanderCrews
quote:
It was a service from USAA through transunion. THey will pull your scores and reports for all 3. I think it was like $24 a month, but I only planned on keeping it while I straightened this out.
Without looking too much into it, the scores that you received from USAA are not your FICO scores. They are FAKO. Look it up. Big difference.
If you want your FICO scores, you have to get them from MyFico dot com. Also, Experian no longer provides credit score to the general public.
This post was edited on 8/11/13 at 4:13 pm
Posted on 8/11/13 at 5:06 pm to Will Cover
(no message)
This post was edited on 12/21/21 at 9:42 am
Posted on 8/11/13 at 5:15 pm to XanderCrews
quote:
if you have negatives on your credit report you do not have to pay anything
Well of course. The credit bureaus are obligated to have an accurate report and you have the legal right to dispute something.
BTW, don't worry much about your credit score. Just make sure the report is accurate at all times and that any legitimate negatives are removed after the seven-year limit.
Posted on 8/11/13 at 6:14 pm to Will Cover
I always use my fico.
Posted on 8/11/13 at 9:04 pm to Weaver
Is there a way to disput something on the grounds that you were a dumbass in college?
I decided to get a credit card in college to start building my credit score. Turns out the first month I thought I had it setup for automatic payment, but it hadn't gone through or I'd set it up wrong. So my first month was a missed payment and then everything after that is golden.
It was like a $45 bill on a $500 limit card. I now have 3 other cards with limits as high as $7K, but my credit score won't hit 700+ cause of this one fvcking missed payment.
Is there any way to speed-up the 7 year window for something this small? Also, once the 7 years hits (2.5 years from now), will it be completely removed with no lasting side effects or does it always factor in somewhat?
Also, I know applying for new credit cards can hurt your credit score, can applying for a credit increase hurt your score as well?
TIA!
I decided to get a credit card in college to start building my credit score. Turns out the first month I thought I had it setup for automatic payment, but it hadn't gone through or I'd set it up wrong. So my first month was a missed payment and then everything after that is golden.
It was like a $45 bill on a $500 limit card. I now have 3 other cards with limits as high as $7K, but my credit score won't hit 700+ cause of this one fvcking missed payment.
Is there any way to speed-up the 7 year window for something this small? Also, once the 7 years hits (2.5 years from now), will it be completely removed with no lasting side effects or does it always factor in somewhat?
Also, I know applying for new credit cards can hurt your credit score, can applying for a credit increase hurt your score as well?
TIA!
Posted on 8/12/13 at 8:42 am to FootballNostradamus
(no message)
This post was edited on 12/21/21 at 9:43 am
Posted on 8/12/13 at 9:06 am to XanderCrews
Do you just sign up on each site and go to "Dispute a Claim?" I have an issue on my report I've been trying like hell with Chase to remove. Put a hotel room on a cc and forgot about it for 6 months. Needless to say, I got screwed.
ETA - does it hurt your score to sign up and dispute these?
ETA - does it hurt your score to sign up and dispute these?
This post was edited on 8/12/13 at 9:14 am
Posted on 8/12/13 at 9:53 am to CQQ
(no message)
This post was edited on 12/21/21 at 9:43 am
Posted on 8/12/13 at 10:20 am to XanderCrews
Can you link the Exp
They don't exactly give you a choice to pick "Sorry, forgot to pay - please remove" on reasons why you're disputing
They don't exactly give you a choice to pick "Sorry, forgot to pay - please remove" on reasons why you're disputing
This post was edited on 8/12/13 at 10:23 am
Posted on 8/12/13 at 12:59 pm to Will Cover
quote:
Without looking too much into it, the scores that you received from USAA are not your FICO scores. They are FAKO. Look it up. Big difference. If you want your FICO scores, you have to get them from MyFico dot com. Also, Experian no longer provides credit score to the general public.
100% correct. I used to subscribe to USAA monitoring and those scores were a good bit off from my true FICO scores. I believe, though, that MyFico just recently began selling the Experian score too.
To the OP: sometimes disputing items just freezes them in a way but they don't disappear. If they removed the items, that's awesome and will never affect your score. If they just marked them as "customer disputes this item", then your score will disregard those marks until the dispute is worked out. Some mortgages will require you to settle certain disputes before they will lend you money.
Posted on 8/12/13 at 1:15 pm to FootballNostradamus
quote:
Is there a way to disput something on the grounds that you were a dumbass in college?
I decided to get a credit card in college to start building my credit score. Turns out the first month I thought I had it setup for automatic payment, but it hadn't gone through or I'd set it up wrong. So my first month was a missed payment and then everything after that is golden.
It was like a $45 bill on a $500 limit card. I now have 3 other cards with limits as high as $7K, but my credit score won't hit 700+ cause of this one fvcking missed payment.
Really? Something similar happened to me and I forgot to set up the recurring payment. I'm in the 760s or so with probably less available credit than you
What are the balances on those cards?
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