Author Topic: What's Your FICO Score? (Read 174331 times)

TimT · « **Reply #1000 on:** June 19, 2015, 01:35:44 PM »

Quote from: ilherman on June 19, 2015, 01:31:54 PM

What is my current best option to get my EXP FICO score? And what is my best option to access my credit report?

Annualcreditreport.com offers the report free once every 12 months.

ilherman · « **Reply #1001 on:** June 19, 2015, 02:12:05 PM »

Thanks. They have an offer for $4.95 to see my FICO score, would that be the real FICO score?

Chapshnell · « **Reply #1002 on:** June 19, 2015, 02:13:54 PM »

Why not use citi or barclays?? Even some amex cards you can see the fico score. Waste of $5

TimT · « **Reply #1003 on:** June 19, 2015, 02:16:03 PM »

Quote from: Chapshnell on June 19, 2015, 02:13:54 PM

Why not use citi or barclays?? Even some amex cards you can see the fico score. Waste of $5

Barclays is TU, not EX

ilherman · « **Reply #1004 on:** June 19, 2015, 02:18:53 PM »

Quote from: TimT on June 19, 2015, 02:16:03 PM

Barclays is TU, not EX

Yup.

3yummyboys · « **Reply #1005 on:** June 19, 2015, 02:23:26 PM »

Thought I had autopay set up but didnt. Had a late payment, asked company to remove it from credit (35 days late) but they won't.

They did not contact me about it prior to the 35 days. Can I fight it with the credit bureaus? Any other advice? I know it was totally my fault

TimT · « **Reply #1006 on:** June 19, 2015, 02:24:44 PM »

Citi should be EX, IINM slate now offers it to people signing up, Amex is in the process of rolling it out.

ilherman · « **Reply #1007 on:** June 19, 2015, 02:25:35 PM »

So my score is 742, I have one Capitol One account which I have forgotten of and just found out that I am 2 months past due since I did not pay the AF 2 months ago - One thing Capitol One an cause is problems....

Any way, I wanna do an AOR now, all my accounts are in good standing, my score is 742 but I have that one account past due around $100, do you guys think that I will be good or should I wait out until my CR is updated that I am back all in good standing?

ilherman · « **Reply #1008 on:** June 19, 2015, 02:26:53 PM »

Quote from: TimT on June 19, 2015, 02:24:44 PM

Citi should be EX, IINM slate now offers it to people signing up, Amex is in the process of rolling it out.

Citi is EQ

TimT · « **Reply #1009 on:** June 19, 2015, 02:32:21 PM »

Quote from: ilherman on June 19, 2015, 02:26:53 PM

Citi is EQ

I stand corrected. (I always thought it was EX)

etech0 · « **Reply #1010 on:** June 19, 2015, 02:43:42 PM »

Chase Slate is EX

WAM · « **Reply #1011 on:** June 21, 2015, 11:45:41 PM »

Quote from: ilherman on June 19, 2015, 02:25:35 PM

So my score is 742, I have one Capitol One account which I have forgotten of and just found out that I am 2 months past due since I did not pay the AF 2 months ago - One thing Capitol One an cause is problems....

Any way, I wanna do an AOR now, all my accounts are in good standing, my score is 742 but I have that one account past due around $100, do you guys think that I will be good or should I wait out until my CR is updated that I am back all in good standing?

Wait.

ilherman · « **Reply #1012 on:** June 22, 2015, 12:37:51 AM »

Quote from: WAM on June 21, 2015, 11:45:41 PM

Wait.

Can you elaborate? I have to get it done ASAP because the promo I hace expires June 30th.

ChaimMoskowitz · « **Reply #1013 on:** June 22, 2015, 08:21:04 AM »

Quote from: WAM on June 21, 2015, 11:45:41 PM

Wait.

Quote from: ilherman on June 22, 2015, 12:37:51 AM

Can you elaborate? I have to get it done ASAP because the promo I hace expires June 30th.

1. stay where one is or delay action until a particular time or until something else happens.

ilherman · « **Reply #1014 on:** June 22, 2015, 10:03:44 AM »

Quote from: ChaimMoskowitz on June 22, 2015, 08:21:04 AM

1. stay where one is or delay action until a particular time or until something else happens.

Chaim, do you agree that with a score of 742, 39k in credit and only one account is outstanding with like $50 I should wait?

ChaimMoskowitz · « **Reply #1015 on:** June 22, 2015, 10:22:54 AM »

Quote from: ilherman on June 22, 2015, 10:03:44 AM

Chaim, do you agree that with a score of 742, 39k in credit and only one account is outstanding with like $50 I should wait?

If Cap1 is reporting to your CR as late I would get that removed first otherwise go for it.

3yummyboys · « **Reply #1016 on:** June 22, 2015, 11:31:23 AM »

Quote from: 3yummyboys on June 19, 2015, 02:23:26 PM

Thought I had autopay set up but didnt. Had a late payment, asked company to remove it from credit (35 days late) but they won't.

They did not contact me about it prior to the 35 days. Can I fight it with the credit bureaus? Any other advice? I know it was totally my fault

BUMP

ilherman · « **Reply #1017 on:** June 22, 2015, 11:31:59 AM »

Quote from: ChaimMoskowitz on June 22, 2015, 10:22:54 AM

If Cap1 is reporting to your CR as late I would get that removed first otherwise go for it.

How? Is it instant?

mgarfin · « **Reply #1018 on:** June 22, 2015, 10:41:24 PM »

Is cap1 removing the late payment from report completely?

BTW All credit fix guys I see advertising, what's there methods, legal ways, or is it shtick as they claim thay can get everyone a 800 score.

ilherman · « **Reply #1019 on:** June 22, 2015, 10:57:03 PM »

Quote from: mgarfin on June 22, 2015, 10:41:24 PM

Is cap1 removing the late payment from report completely?

BTW All credit fix guys I see advertising, what's there methods, legal ways, or is it shtick as they claim thay can get everyone a 800 score.

I called up and after asking nicely they said that they are going to get it removed!

HT: CM