Author Topic: What's Your FICO Score?  (Read 172452 times)

Offline benjie1305

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Re: What's Your FICO Score?
« Reply #700 on: January 15, 2015, 09:21:32 AM »
Is it actually different online ?

Yep
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Offline Mocha

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Re: What's Your FICO Score?
« Reply #701 on: January 15, 2015, 09:33:28 AM »
Just pulled Experian for my wife and it says late payment 1.6 years ago. I have zero recollection of letting a payment go that long...how do i find out what it was and is there anyway to have it removed?

Offline avromie7

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Re: What's Your FICO Score?
« Reply #702 on: January 15, 2015, 09:34:40 AM »
Just pulled Experian for my wife and it says late payment 1.6 years ago. I have zero recollection of letting a payment go that long...how do i find out what it was and is there anyway to have it removed?
You can dispute it on their website
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Mocha

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Re: What's Your FICO Score?
« Reply #703 on: January 15, 2015, 09:36:42 AM »
You can dispute it on their website
No way to see exactly what it was?

Offline Boruch999

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Re: What's Your FICO Score?
« Reply #704 on: January 15, 2015, 09:37:23 AM »
Just pulled Experian for my wife and it says late payment 1.6 years ago. I have zero recollection of letting a payment go that long...how do i find out what it was and is there anyway to have it removed?

The report should say which account it was on.  You can call the bank to inquire or look at statements from that period (you should be able to access them online.)  The bank may agree to remove it even if it was legitimate.  You can also try disputing it with EX.  They took one off for me that was 10 years old, no problem.

Offline Mocha

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Re: What's Your FICO Score?
« Reply #705 on: January 15, 2015, 09:38:37 AM »
The report should say which account it was on.  You can call the bank to inquire or look at statements from that period (you should be able to access them online.)  The bank may agree to remove it even if it was legitimate.  You can also try disputing it with EX.  They took one off for me that was 10 years old, no problem.
It doesn't say it. Under "Reports" it just says

   
Negative Information
Accounts Ever Late
1
Accounts In Collections
0
Time Since Negative
1.6 year(s)

Offline avromie7

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Re: What's Your FICO Score?
« Reply #706 on: January 15, 2015, 09:40:02 AM »
It doesn't say it. Under "Reports" it just says


Negative Information
Accounts Ever Late
1
Accounts In Collections
0
Time Since Negative
1.6 year(s)
It doesn't Tell you what the negative was?
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Mocha

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Re: What's Your FICO Score?
« Reply #707 on: January 15, 2015, 09:40:39 AM »
It doesn't Tell you what the negative was?
Nope. And by the dispute page it asking me for my report number. Another thing i can't find.

Offline avromie7

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Re: What's Your FICO Score?
« Reply #708 on: January 15, 2015, 09:43:42 AM »
Nope. And by the dispute page it asking me for my report number. Another thing i can't find.
Somewhere higher on the page it has it
Maybe spend some time browsing the site and you'll figure it all out
I wonder what people who type "u" instead of "you" do with all their free time.

Offline Mocha

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Re: What's Your FICO Score?
« Reply #709 on: January 15, 2015, 09:49:06 AM »
Nowhere here.

Offline avromie7

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Re: What's Your FICO Score?
« Reply #710 on: January 15, 2015, 09:50:47 AM »
Nowhere here.
Get the report for free from annualcreditreport.com it's on there
I wonder what people who type "u" instead of "you" do with all their free time.

Offline TimT

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Re: What's Your FICO Score?
« Reply #711 on: January 15, 2015, 09:55:31 AM »
Just pulled Experian for my wife and it says late payment 1.6 years ago. I have zero recollection of letting a payment go that long...how do i find out what it was and is there anyway to have it removed?
Did you pull it up through a credit card ?

Offline Mocha

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Re: What's Your FICO Score?
« Reply #712 on: January 15, 2015, 10:10:30 AM »
Did you pull it up through a credit card ?
Huh? No went to experian.com

Ok I found out it was a chase card. Can I SM?
FYI account has since been closed (and probably churned 5x lol)

Offline eli.f

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Re: What's Your FICO Score?
« Reply #713 on: January 15, 2015, 11:58:36 AM »
Huh? No went to experian.com

Ok I found out it was a chase card. Can I SM?
FYI account has since been closed (and probably churned 5x lol)
Sure you can SM. But you should check the statements online first to see what exactly happened.

Offline Mocha

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Re: What's Your FICO Score?
« Reply #714 on: January 15, 2015, 11:59:47 AM »
Sure you can SM. But you should check the statements online first to see what exactly happened.
Account was closed for over a year. No way of me checking that info online.

Offline avromie7

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Re: What's Your FICO Score?
« Reply #715 on: January 15, 2015, 12:00:47 PM »
Account was closed for over a year. No way of me checking that info online.
do you have paper statements
I wonder what people who type "u" instead of "you" do with all their free time.

Offline eli.f

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Re: What's Your FICO Score?
« Reply #716 on: January 15, 2015, 12:02:30 PM »
Account was closed for over a year. No way of me checking that info online.
Why? I can see the statements of my closed cards online.

Offline TimT

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Re: What's Your FICO Score?
« Reply #717 on: January 15, 2015, 12:08:09 PM »
Why? I can see the statements of my closed cards online.
Doesn't the card go off after several months ?

Offline eli.f

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Re: What's Your FICO Score?
« Reply #718 on: January 15, 2015, 12:12:14 PM »
Doesn't the card go off after several months ?
Maybe. I've only had closed Chase's for a few months.
How about yours?

Offline TimT

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Re: What's Your FICO Score?
« Reply #719 on: January 15, 2015, 12:14:46 PM »
Maybe. I've only had closed Chase's for a few months.
How about yours?
Closed cards went off my account after several months. Not sure exactly how long.