credit score

[Novo]

Start by calling the creditor and explaining the situation.  Ask them to remove the derogatory mark.

IMOH this is the way to go  http://forums.dansdeals.com/index.php?topic=31484.msg839889#msg839889

[shoppy810]

Start by calling the creditor and explaining the situation.  Ask them to remove the derogatory mark.

+1

[frozy]

I have a problem. I'm a subscriber to fico alerts and was just notified that a collection of $500 was just applied to my score. Apparently, a bill had been sent to my parents house (I love elsewhere but still use their address), and I had never received it. I paid the collection right away. Will this be a major detriment to my otherwise decent report? Is there any way I can get this collection off of my report without waiting 10 years. I appreciate all the help guys!

Shouldn't have done that.  What you're supposed to do is call and ask for pay-for-deletion (PFD). Now that they got their money you don't have leverage.

You can try a dispute -even if you really owed the money there are all sorts of laws creditors and collection agencies must follow in the DC process.  If any were violated that can be grounds for a dispute and even cancelation of debt ime

[Sport]

On this subject; I got a ticket for going thru an Ezpass toll and apparently it didn't pick up my ezpass. I called the toll agency and showed them proof that I had an ezpass in the car at the time (I had charges on the ezpass from a toll right before and after this toll on the same day) they told me they were removing the charge. Last week (about a year after the above incident) I get a letter from a collection agency for $44 for the unpaid toll. I immediately call the Toll agency to asks them what this is about as I though I resolved the ticket a year ago. They informed me that I did resolve the surcharge but still needed to pay the $4 toll. They offered to take the payment then and stop sending it to the collection agency.
Will this happen?
Is this going to be a hit to me credit score?

[chamdena]

General question: say I close a 20k CL account in order to bring my Credit to income ratio into check.  How long ought I wait before doing my next app? In other words, if I make a pull 5 minutes later, will the change be reflected in the report/score? Or do I need to wait for a certain time frame to elapse in order for that to reflect in my credit reports?

[sm8542]

sob total where is the best place to check my score for free ?

[lunatic]

sob total where is the best place to check my score for free ?

Discover prints it on the statement each month.

[AnonymousUser]

Discover prints it on the statement each month.

But unfortunately for those of us in NJ, that's only TU.

[lunatic]

But unfortunately for those of us in NJ, that's only TU.

Yet another reason not to live in NJ

[AnonymousUser]

Yet another reason not to live in NJ

[freddy]

But unfortunately for those of us in NJ, that's only TU.

What's wrong with transunion that's the cr they all pull from in NJ

[AnonymousUser]

What's wrong with transunion that's the cr they all pull from in NJ

Nope, Chase and Amex pull Experian in NJ.

[nobiggy]

The credit scores experian gives me when I sign up for a a trial is reall FICO?
Also I got added to a cc with 90% of CL used and it's on my report will it be harder to get aprooved to cc now.

[Novo]

The credit scores experian gives me when I sign up for a a trial is reall FICO?
Also I got added to a cc with 90% of CL used and it's on my report will it be harder to get aprooved to cc now.

It might be a problem, it'll for sure be good if you could remove it

[nobiggy]

It might be a problem, it'll for sure be good if you could remove it

I removed it Friday. How long do I wait. I was an AU for 5 days.

[smaxber]

I removed it Friday. How long do I wait. I was an AU for 5 days.

No one really knows. I would think wait for the cards statement to close and then a few days because then when it posts the closing balance it won't report to yours

[nobiggy]

No one really knows. I would think wait for the cards statement to close and then a few days because then when it posts the closing balance it won't report to yours

Experian trial says my FICO is 734.  Is that correct?

[Super Speed]

Experian trial says my FICO is 734.  Is that correct?

No you're score should be 736.5
#sarcastic

[ChaimMoskowitz]

Experian trial says my FICO is 734.  Is that correct?

if the info on your CR is correct then yes.

[nobiggy]

if the info on your CR is correct then yes.

whats a good number to have before i apply for 2 chase cc?