RSS FeedI'm getting ready to buy another truck. Going to spend about 10K. I have a 5k loan from a bank that is only 3 or 4 months old to another item. I have about 5k to put down. Would I be better off, it's worth it, and get another loan for the higher amount of 10k, or just find the original loan and loans only there another 5K on a new loan and I have two comments. I have read that the age of your accounts numbers in your score. Would pay the 5k loan after only 4 months injured / not importan
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Utilization Youth Question [cl] [score]
September 20th, 2011 
admin Take, for example, you have just got a new credit card that has not started yet opened report say . $ 2k CL. You are currently sitting at 50% utilization to $ 1.5k worth of credit you currently have available and is reporting.
When the new map starts to report, with $ 0 balance and the original use, the new card is now your All use is up to 21.4 0.
% actually help the new account, your score for the use purposes? or if a drop of the guests still to be expected from the AAoA?
EXP score dropped 50 points in 3 months.but how?!? [collection accounts] [score]
August 15th, 2011 admin Hi everyone,
Newb here and I need some advice. I pulled my credit and my end Sept EXP score was 625th I went yesterday, and it fell on a 575? The only thing that was changed a couple of collection accounts. Maybe like about $ 40 max in fees. I pulled my credit reports to start working on my scores. But I'm discouraged to see such a huge drop within 90 days.
What happened? Can your guests really drops 50 points for $ 40 more dollars in total between two collection agencies? I'
Collection Drop Offs; When Do TU and EX Update? [equifax] [score]
July 3rd, 2011 admin I have a collection that is through drop-off this month. It has already been dropped from Equifax (and my guests went 620-649) 0.
myFico.com and I just pulled my TU and it's still there. It shows no drop date on the myFICO report, but when I pulled my free report TU back while he was 02/2010.
QUOTE date set for the collection: [11/2007]
Estimated date that this item be removed: 02 / 2010
Experian I looked at my report there, and it also shows, 12.09 drop date.
QUOT
Help! Does this sound good or very bad? [proof of employment] [score]
June 23rd, 2011 admin For the past three years Ive lived in a house that my father owns, the house is for sale and I want to buy it. I have a low mid score (546 according to mortgage guy, 570 according to fico) and I dont have proof of employment but can verify it. He said he cant do no doc cause my score is to low. He said he can get me stated with 90%. I dont have the 10% down payment so my father is going to give it to me so (gift of equity) I can buy his house and will only do it for me if I buy that house.
Can anyone spare just 1 point? [long time] [score]
June 20th, 2011 admin I decided to pull TU guests Myfico.com, since it's been a long time. I was not sure how it would be, as it took a long time and I get seemd:
799
For $ 11 they could not even around them up to 800!
Thank You.Thank You.Thank You C.B [medical bills] [score]
June 7th, 2011 admin Previous results BEFORE DVing, etc:
498
Todays Score: 521
MyFico Scores
Im still working on it yall . Are a lot of medical bills but Im doing what you all have declared so far . were removed 2 . My husband had cancer back 6 January (remission) . Insurance didn't pay for all his bills
Should I try to Revitalize a Macy's Card [macy] [score]
May 30th, 2011 admin Only a $ reports 100 limit. Do you think they call it and get a new card and add me as an authorized it user.
Will help guests by adding a 15 year old account?
Shopping for a mortgage [couple of days] [score]
May 29th, 2011 admin OK, so I already have a permit, but I would around.
Although shop lot of the bank that drew me to inform me first, they asked my scores today without telling me approved.
Do I have to get on the phone today and let others take itself so that it does not affect my grades?
Do I have more time than a day? Do I need a few days? If so how many? How many are attracted influenced my score?
I a search but I can not find this information, even if I seen here before.
I called
I am above 600! [equifax] [score]
May 2nd, 2011 admin Credit Watch Gold and guests see only said I am 607 and Equifax is my worst result. I think it will go back down to the 15th because my usage has got higher. Maybe I can figure out a way to keep BT and low utilization.