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Re: My credit score SUCKS!

Quote:

Originally Posted by jagojon3

I just got my credit reports for free, but they wanted to charge to show me my FICO score. Is there any place that does it for free?

FICO scores are never free. :-\ If you have a WaMu credit card they come with a monthly free PFICO score which is your actual Experian FICO score.

Quote:

Originally Posted by Jorsher

If you paid a debt off, will it be removed or stay on there and show it was paid? Will disputing it get it removed?

DO NOT PAY IT. Unless you have WRITTEN and SIGNED documents from the company that placed the charge off or collection on your report. A paid collection is just as bad as an unpaid collection. Also, if they have already charged it off, that means they can't legally accept your payment. A collection company most likely bought the debt and THEY will take payments, but like I said, DO NOT pay them unless they agree to delete afterwards.

Quote:

Originally Posted by 90zcrex

So how do I go about getting these negative things taken off my report?

I can dispute the charge-off but what do I say?

The only other directly negative things I have are a couple accounts that I made late payments on. Is there anyway to get those off?

I also have a $2100 car loan that I will be paying off shortly so maybe that should help a little.

Dispute the information they are listing. Don't flat out say it's not yours. They're getting picky about it when peopel say that. Dispute the balance, the date, anything they have listed. Just tell them you want all that ---- validated and if they can't validate it, you want it removed.

As for late payments, dispute them as "NEVER LATE". If you've been good about making your payments ontime with that company they will most likely fold and delete the late from your report.

You have no idea how much ---- I have had deleted from my credit reports just by asking. It's amazing. :6
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Re: My credit score SUCKS!

credit karma showed mine at 817.

Re: My credit score SUCKS!

I bought a house with these scores a few months ago:
Attachment 17514

Right now my scores are a bit down due to new accounts and recent inquiries, but they will be in the 700's by the end of the year. I can't ------- wait. :6
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Re: My credit score SUCKS!

Quote:

Originally Posted by 90zcrex

just did credit karma it showed 690

Where did you get the 560 score? That 690 is your Transunion FAKO.
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Re: My credit score SUCKS!

Quote:

Originally Posted by Dr.Boost

I can tell you all you need to know to get your credit fixed. ;) You can get a loan for a house with that score.

really? when i was applying for my loan with my gf they told us that if her score was below 600ish that we might have trouble.

Re: My credit score SUCKS!

What is a credit score? First time I ear this.. ??? It's based on what?

Re: My credit score SUCKS!

Quote:

Originally Posted by Dr.Boost

Where did you get the 560 score? That 690 is your Transunion FAKO.

I got the 560 from equifax.com

Re: My credit score SUCKS!

I used the Doc's advice and my score has jumped 76 points in 3 months.

Re: My credit score SUCKS!

Dr Boost, write a "how to fix your credit" thread for all of us that fucked up