credit score - GoFuckYourself.com

detoxed · 03-15-2004, 04:48 PM

Your FICO score of 733 summarizes the information on your Equifax credit report as of March 15, 2004.

Who has the highest here?

Veterans Day · 03-15-2004, 04:50 PM

812 middle score between equifax-transunion and experian.

MrIzzz · 03-15-2004, 04:50 PM

never got it done..when i got my car loan the chick said i was"preferred" over 720 or something

detoxed · 03-15-2004, 04:51 PM

Quote:

Originally posted by Veterans Day
812 middle score between equifax-transunion and experian.

How old are you?

I'm 20

stocktrader23 · 03-15-2004, 04:54 PM

Under 600. Due to my fuck you attitude about shit I refuse to pay I'm doomed to a life of cash deals and big down payments.

goBigtime · 03-15-2004, 04:58 PM

I would like to start a credit reporting agency industry employee and executives database.

It would collect and freely share with consumers the various personal and financial information of anyone involved in credit reporting industry.

It would use the various data to make assumptions as to their hobbies, beliefes, political stance, sexual preference & overall character based on this information.

If they protest to anything we determine, it will just prove that what we reported about them is true.

Yep. That will be a good database.

4Pics · 03-15-2004, 05:02 PM

Quote:

Originally posted by detoxed
Your FICO score of 733 summarizes the information on your Equifax credit report as of March 15, 2004.

Who has the highest here?

that's great, you can get a decent % on home or get any lease you want. ASSHOLE!

detoxed · 03-15-2004, 05:03 PM

Quote:

Originally posted by 4Pics

that's great, you can get a decent % on home or get any lease you want. ASSHOLE!

stevecore · 03-15-2004, 05:04 PM

Quote:

Originally posted by stocktrader23
Under 600. Due to my fuck you attitude about shit I refuse to pay I'm doomed to a life of cash deals and big down payments.

i remember you in my thread about credit... have you been working on it?

most creditors will take a deal, normally about 50% of what is owed. just tell them you can pay half right then and there. no more or it's gonna take awhile to repay it. they want it so bad they'll take it, they'll just play a lil hardball. hang up if you have to, say you'll think about it. call back and say sorry half or less is all you can do. if you have the cash to make the deal then i say take it. i negotiated two deals like that that saved me over $2,500

-=HOAX=- · 03-15-2004, 05:04 PM

426 baby! Beat that!

lurking · 03-15-2004, 05:07 PM

it just means you don't have bad things on your report. you can have a 750 score and still get declined for the smallest loan if you have no credit built up.

lurking · 03-15-2004, 05:08 PM

Quote:

Originally posted by stevecore

i remember you in my thread about credit... have you been working on it?

most creditors will take a deal, normally about 50% of what is owed. just tell them you can pay half right then and there. no more or it's gonna take awhile to repay it. they want it so bad they'll take it, they'll just play a lil hardball. hang up if you have to, say you'll think about it. call back and say sorry half or less is all you can do. if you have the cash to make the deal then i say take it. i negotiated two deals like that that saved me over $2,500

I just wait until they send it to a collector and you get the letter in the mail saying "settle this debt now for 45% of what you owe". works like a charm.

stevecore · 03-15-2004, 05:10 PM

Quote:

Originally posted by lurking

I just wait until they send it to a collector and you get the letter in the mail saying "settle this debt now for 45% of what you owe". works like a charm.

if you can do it before that you won't have so much negative information on your credit file.

StuartD · 03-15-2004, 05:11 PM

A collections agency screwed with mine... I had a bill that I couldn't pay while in college. It went to a collections agency who royally sucked.... and they demanded it all.

So I sent it in payments since by law, they have to accept it that way. But I guess they didn't like it so they stopped reporting my payments to the credit bureau.

So basically, as far as my credit report knows, I have owed $2k for the past 3 years without making a payment.... despite it being fully paid off.

So my credit is hurting because of it.

Last I checked though, it was working it's way back up to 624 or so.

Juicy D. Links · 03-15-2004, 05:12 PM

where can i get mine online?

axelcat · 03-15-2004, 05:15 PM

Quote:

Originally posted by Veterans Day
812 middle score between equifax-transunion and experian.

Now thats a good score

DrewKole · 03-15-2004, 05:17 PM

Quote:

Originally posted by lurking
it just means you don't have bad things on your report. you can have a 750 score and still get declined for the smallest loan if you have no credit built up.

Most lenders only require 3 tradelines.

Can have the credit reporting agency call up your utilities and add those as tradelines too. =)

LiveDose · 03-15-2004, 05:17 PM

Good thread.

I am wondering why WEBPOWER made a request for info on my report with Experian... Will look into it.

Anyone know these companies:

SEC Software Solutions
Name Seeker Inc.

?

Both in Florida where Webpower has offices.

detoxed · 03-15-2004, 05:18 PM

Quote:

Originally posted by MaskedMan
A collections agency screwed with mine... I had a bill that I couldn't pay while in college. It went to a collections agency who royally sucked.... and they demanded it all.

So I sent it in payments since by law, they have to accept it that way. But I guess they didn't like it so they stopped reporting my payments to the credit bureau.

So basically, as far as my credit report knows, I have owed $2k for the past 3 years without making a payment.... despite it being fully paid off.

So my credit is hurting because of it.

Last I checked though, it was working it's way back up to 624 or so.

I worked for a collection agency.. no partial payments allowed. If they sent a partial payment, we sent it right back.

DrewKole · 03-15-2004, 05:18 PM

I was at 802 or so at 22.

Down to around 760 or so right now, due to my mortgage and car balances, blah.

DrewKole · 03-15-2004, 05:20 PM

Quote:

Originally posted by MaskedMan
A collections agency screwed with mine... I had a bill that I couldn't pay while in college. It went to a collections agency who royally sucked.... and they demanded it all.

So I sent it in payments since by law, they have to accept it that way. But I guess they didn't like it so they stopped reporting my payments to the credit bureau.

So basically, as far as my credit report knows, I have owed $2k for the past 3 years without making a payment.... despite it being fully paid off.

So my credit is hurting because of it.

Last I checked though, it was working it's way back up to 624 or so.

Find a nearby mortgage company to refer a good credit agency near ya... pay $65, and let them contact the collection agency.

If the collection agency can't provide proof you're making payments, or an account history, the credit bureaus will wipe that from your report completely. =)

Trick #11 of Drew's Credit Guide.

stevecore · 03-15-2004, 05:21 PM

Quote:

Originally posted by MaskedMan
A collections agency screwed with mine... I had a bill that I couldn't pay while in college. It went to a collections agency who royally sucked.... and they demanded it all.

So I sent it in payments since by law, they have to accept it that way. But I guess they didn't like it so they stopped reporting my payments to the credit bureau.

So basically, as far as my credit report knows, I have owed $2k for the past 3 years without making a payment.... despite it being fully paid off.

So my credit is hurting because of it.

Last I checked though, it was working it's way back up to 624 or so.

contest it through the credit bureaus. if the balance is incorrect then that needs to be verified and the bureaus will need to report the correct info. if the collection agency fails to respond they'll remove it from your credit until the collection agency gets off their ass to report it.

drew: if it's removed it can still be re-added back, it's only off until the creditor responds back... theres a chance they will update their info at some point.

hoe_vender · 03-15-2004, 05:23 PM

is that good

lurking · 03-15-2004, 05:27 PM

Quote:

Originally posted by DrewKole

Most lenders only require 3 tradelines.

Can have the credit reporting agency call up your utilities and add those as tradelines too. =)

now this I didn't know. for the last 2 years I havn't missed a single bill for any of my utilities or rent and paid in full every single month. I must find out how to add this to my report.

StuartD · 03-15-2004, 05:28 PM

Quote:

Originally posted by stevecore

contest it through the credit bureaus. if the balance is incorrect then that needs to be verified and the bureaus will need to report the correct info. if the collection agency fails to respond they'll remove it from your credit until the collection agency gets off their ass to report it.

drew: if it's removed it can still be re-added back, it's only off until the creditor responds back... theres a chance they will update their info at some point.

I tried to dispute it once with Transunion-Equifax, and just never heard back from them. And of course, could never get a hold of a human being to talk to afterwards either. That was $14 gone, or what ever it costs for it.

And detoxed, I dunno if it's the same there as it is here, but by law here, they have to accept payments. They don't have a choice but to just take it and wait until the next month.

DrewKole · 03-15-2004, 05:29 PM

Quote:

Originally posted by stevecore

drew: if it's removed it can still be re-added back, it's only off until the creditor responds back... theres a chance they will update their info at some point.

There's a statute of limitations somewhere in there, if they haven't reported in 3 years, it can pretty much be taken completely off, or so the people tell me.

On a side note, it shouldn't be affecting your credit that much, most lenders only care about the last 2 or so years of collections.

Government loans usually don't even require payment of them, if they are over a year.

DrewKole · 03-15-2004, 05:29 PM

Quote:

Originally posted by lurking

now this I didn't know. for the last 2 years I havn't missed a single bill for any of my utilities or rent and paid in full every single month. I must find out how to add this to my report.

Won't affect score, only used for adding tradelines for minimum required for lending. =)

lurking · 03-15-2004, 05:31 PM

does anyone know if visa check cards (debit) show up on your credit report? I don't even use credit cards anymore because I got this thing now. I don't like to have "virtual money".

candidpublishinginc · 03-15-2004, 05:32 PM

My credit score is 776.

Damn someone got an 812 here? Shit that's the highest I've seen, congrats!

detoxed · 03-15-2004, 05:34 PM

Quote:

Originally posted by juicylinks
where can i get mine online?

Equifax.com FICO score power and credit report $12.95

DrewKole · 03-15-2004, 05:34 PM

Quote:

Originally posted by lurking
does anyone know if visa check cards (debit) show up on your credit report? I don't even use credit cards anymore because I got this thing now. I don't like to have "virtual money".

no

cold_ice · 03-15-2004, 05:40 PM

lexingtonlaw.com kicks ass

lurking · 03-15-2004, 05:40 PM

Quote:

Originally posted by DrewKole

no

damn I should pick up a new credit card then.. I put thousands through this debit card every month. any suggestions? NO capitalone, and no providian.

detoxed · 03-15-2004, 05:41 PM

Quote:

Originally posted by lurking

damn I should pick up a new credit card then.. I put thousands through this debit card every month. any suggestions? NO capitalone, and no providian.

Capitalone or providian

lurking · 03-15-2004, 05:46 PM

Quote:

Originally posted by detoxed

Capitalone or providian

ok pothead.

stevecore · 03-15-2004, 05:46 PM

Quote:

Originally posted by lurking

damn I should pick up a new credit card then.. I put thousands through this debit card every month. any suggestions? NO capitalone, and no providian.

try your bank, if not try first premier or bank1. you'll pay a ton of activation and membership fees to start off but it'll help with your credit. or you could always try a secured credit card as well.

lil2rich4u2 · 03-15-2004, 05:48 PM

I do underwriting for a mortgage company.

When i come across a file with horrid credit, even a past BK or forclosure, all we have to do is condition them for 3 tradelines verified for 12mo with satisfactory payments.

it can be anything like a electric bill saying you had electric for 12mo and payed on time, etc.

we lend to scores as low as like 520, but to get anything 90% or better you will need to have a score of atleast 600+

ztik · 03-15-2004, 06:02 PM

Just got mine, 756

Thrawn$ · 03-15-2004, 06:11 PM

Quote:

Originally posted by cold_ice
lexingtonlaw.com kicks ass

UICcorp.com is better

crockett · 03-15-2004, 06:46 PM

question for you credit experts... I had a lot of bad credit in 95 this year is now 7 years... will the credit issues be removed this year on their own, or is there anything I need to do to make sure it's removed as it's suposed to be gone after 7 years.

ToolGuy · 03-15-2004, 07:13 PM

Quote:

Originally posted by crockett
question for you credit experts... I had a lot of bad credit in 95 this year is now 7 years... will the credit issues be removed this year on their own, or is there anything I need to do to make sure it's removed as it's suposed to be gone after 7 years.

Crockett...and anyone else that cares

I just cleaned up my credit this year and found out something pretty cool. If you have any bad accounts that have been closed for a few months or more showing up on your credit report you can call the company that issued you the credit (name and number will be on the report) and ask them to verify your balance or address. Odds are that they will say that you are no longer in their system, on average you get removed from their system after 90 days of closing an account. If you aren't in their system anymore then all you have to do is log into wherever you got your online report and file a dispute for the that company. Just say that the adress is wrong or that you didn't miss that many payments, it doesn't matter since they will not be able to verify this so the information by law will have to be pulled from your report. I did this to three companies and it worked great, however one fall back is that these were my oldest accounts so by having those removed I lost alot of credit history which sucked since your score is highly based on the amount of years you have had credit. All in all though this raised my score between 25 and 40 ponits at the three different agencies.

As for Crocketts question on the seven years.....I have no idea but this should work if it doesn't automatically come off.

stevecore · 03-15-2004, 07:37 PM

Quote:

Originally posted by Thrawn$

UICcorp.com is better

save yourself the money and do it yourself. you actually save money since places like myfico.com will give you access to dispute them online. equifax has to be done by phone unless you sign up at their site.

if you sign up at myfico.com, theres a promotional code "valuedcustomer" that gives you 10% off your purchase.

stevecore · 03-15-2004, 07:38 PM

here's a post i made not too long ago about online credit brokers. some more info for all those interested.

http://www.gofuckyourself.com/showth...hreadid=237125

detoxed · 03-15-2004, 07:40 PM

Quote:

Originally posted by ToolGuy

Crockett...and anyone else that cares
I just cleaned up my credit this year and found out something pretty cool. If you have any bad accounts that have been closed for a few months or more showing up on your credit report you can call the company that issued you the credit (name and number will be on the report) and ask them to verify your balance or address. Odds are that they will say that you are no longer in their system, on average you get removed from their system after 90 days of closing an account. If you aren't in their system anymore then all you have to do is log into wherever you got your online report and file a dispute for the that company. Just say that the adress is wrong or that you didn't miss that many payments, it doesn't matter since they will not be able to verify this so the information by law will have to be pulled from your report. I did this to three companies and it worked great, however one fall back is that these were my oldest accounts so by having those removed I lost alot of credit history which sucked since your score is highly based on the amount of years you have had credit. All in all though this raised my score between 25 and 40 ponits at the three different agencies.

As for Crocketts question on the seven years.....I have no idea but this should work if it doesn't automatically come off.

it wouldnt be smart of them to close an account that owes them money.... i guess only late payments could be taken care of this way.

myjah · 03-15-2004, 08:35 PM

thats an excellent score for someone so young...last time i checked mine i think it was in the 600's

crockett · 03-15-2004, 09:24 PM

hey I signed up at equifax.com and tried the 3 in 1 report.. but where are you guys finding your credit score? is that a diffrent report?

03-15-2004, 04:50 PM	#2
Veterans Day Confirmed User Join Date: Jul 2003 Location: The Windy City Posts: 8,403	812 middle score between equifax-transunion and experian. __________________ Build a Massive Traffic Network, Hands FREE, Totally Automated

03-15-2004, 04:50 PM	#3
MrIzzz If u touch it, I will cum Join Date: Sep 2003 Location: long island Posts: 22,923	never got it done..when i got my car loan the chick said i was"preferred" over 720 or something __________________ WHO WANTS TO PLAY GRAB-ASS?

03-15-2004, 04:54 PM	#5
stocktrader23 Let's do some business. Industry Role: Join Date: Jan 2003 Location: The dirty south. Posts: 18,781	Under 600. Due to my fuck you attitude about shit I refuse to pay I'm doomed to a life of cash deals and big down payments. __________________ Hands Free Adult - Join Once, Earn For Life "I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."

03-15-2004, 04:58 PM	#6
goBigtime Confirmed User Join Date: Nov 2002 Posts: 7,761	I would like to start a credit reporting agency industry employee and executives database. It would collect and freely share with consumers the various personal and financial information of anyone involved in credit reporting industry. It would use the various data to make assumptions as to their hobbies, beliefes, political stance, sexual preference & overall character based on this information. If they protest to anything we determine, it will just prove that what we reported about them is true. Yep. That will be a good database. Last edited by goBigtime; 03-15-2004 at 05:00 PM..

03-15-2004, 05:04 PM	#10
-=HOAX=- Confirmed User Join Date: Dec 2001 Location: CrackYaMental Posts: 4,365	426 baby! Beat that! __________________ Insert Value Here.

03-15-2004, 04:48 PM	#1
detoxed vip member Join Date: Jan 2003 Posts: 17,798	credit score Your FICO score of 733 summarizes the information on your Equifax credit report as of March 15, 2004. Who has the highest here?

03-15-2004, 05:07 PM	#11
lurking Confirmed User Join Date: Jan 2004 Posts: 868	it just means you don't have bad things on your report. you can have a 750 score and still get declined for the smallest loan if you have no credit built up.

03-15-2004, 05:11 PM	#14
StuartD Sofa King Band Join Date: Jul 2002 Location: Outside the box Posts: 29,903	A collections agency screwed with mine... I had a bill that I couldn't pay while in college. It went to a collections agency who royally sucked.... and they demanded it all. So I sent it in payments since by law, they have to accept it that way. But I guess they didn't like it so they stopped reporting my payments to the credit bureau. So basically, as far as my credit report knows, I have owed $2k for the past 3 years without making a payment.... despite it being fully paid off. So my credit is hurting because of it. Last I checked though, it was working it's way back up to 624 or so. __________________ This is me on facebook This is me on twitter

03-15-2004, 05:12 PM	#15
Juicy D. Links So Fucking Banned Industry Role: Join Date: Apr 2001 Location: N.Y. -Long Island -- Posts: 122,992	where can i get mine online?

03-15-2004, 05:17 PM	#18
LiveDose Show Yer Tits! Industry Role: Join Date: Feb 2002 Location: Somewhere Out there... Posts: 25,792	Good thread. I am wondering why WEBPOWER made a request for info on my report with Experian... Will look into it. Anyone know these companies: SEC Software Solutions Name Seeker Inc. ? Both in Florida where Webpower has offices. __________________ Scammer Alert: acer19 acer [email protected] [email protected] Money stolen using PayPal

03-15-2004, 05:18 PM	#20
DrewKole Confirmed User Join Date: Aug 2001 Posts: 5,193	I was at 802 or so at 22. Down to around 760 or so right now, due to my mortgage and car balances, blah.

03-15-2004, 05:23 PM	#23
hoe_vender Confirmed User Join Date: Dec 2003 Location: Lincoln, NE Posts: 2,018	is that good __________________ ICQ #286508534

03-15-2004, 05:31 PM	#28
lurking Confirmed User Join Date: Jan 2004 Posts: 868	does anyone know if visa check cards (debit) show up on your credit report? I don't even use credit cards anymore because I got this thing now. I don't like to have "virtual money".

03-15-2004, 05:32 PM	#29
candidpublishinginc Confirmed User Join Date: Feb 2001 Location: Bedford, NH 03110 Posts: 707	My credit score is 776. Damn someone got an 812 here? Shit that's the highest I've seen, congrats! __________________ Candid Clicks Earn up to 4 cents a click for blind link traffic! NO CONVERSIONS, NO BS!

03-15-2004, 05:40 PM	#32
cold_ice Confirmed User Join Date: Jun 2002 Location: cali Posts: 3,027	lexingtonlaw.com kicks ass Last edited by cold_ice; 03-15-2004 at 05:43 PM..

03-15-2004, 05:48 PM	#37
lil2rich4u2 ICQ: 175171926 Join Date: Oct 2002 Location: New York, NY Posts: 11,046	I do underwriting for a mortgage company. When i come across a file with horrid credit, even a past BK or forclosure, all we have to do is condition them for 3 tradelines verified for 12mo with satisfactory payments. it can be anything like a electric bill saying you had electric for 12mo and payed on time, etc. we lend to scores as low as like 520, but to get anything 90% or better you will need to have a score of atleast 600+ __________________ HEY!! Unbeatable hosting! Customer service is top notch! --> ISPrime <-- Do a search on any board, their reputation is rock solid .. for years!!

03-15-2004, 06:02 PM	#38
ztik Confirmed User Industry Role: Join Date: Aug 2001 Location: Nomad Posts: 5,196	Just got mine, 756 __________________ .

03-15-2004, 06:46 PM	#40
crockett in a van by the river Industry Role: Join Date: May 2003 Posts: 76,806	question for you credit experts... I had a lot of bad credit in 95 this year is now 7 years... will the credit issues be removed this year on their own, or is there anything I need to do to make sure it's removed as it's suposed to be gone after 7 years. __________________ In November, you can vote for America's next president or its first dictator.

03-15-2004, 07:38 PM	#43
stevecore Confirmed User Join Date: May 2003 Posts: 6,130	here's a post i made not too long ago about online credit brokers. some more info for all those interested. http://www.gofuckyourself.com/showth...hreadid=237125

03-15-2004, 08:35 PM	#45
myjah Back in the harbor Industry Role: Join Date: Sep 2003 Posts: 11,482	thats an excellent score for someone so young...last time i checked mine i think it was in the 600's __________________ VP of Marketing AVN Media Network Skype: AVNJill [email protected]

03-15-2004, 09:24 PM	#46
crockett in a van by the river Industry Role: Join Date: May 2003 Posts: 76,806	hey I signed up at equifax.com and tried the 3 in 1 report.. but where are you guys finding your credit score? is that a diffrent report? __________________ In November, you can vote for America's next president or its first dictator.