FICOfreak

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FICOfreak last won the day on November 13 2008

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About FICOfreak

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  1. Hasn’t that already been covered above? Do you write your own material? Funny how I am punished and threatened with suspension from the forum and mocked for making repeat posts when I only made one reaction post and one explanation post, and everyone else can do/say as they please without consequence. Seems fair to me Believe me, getting the right word spelled wrong should be worthy of a trophy in light of what other posts contain, but as I already stated I will not entertain this subject anymore. I made my original point which was very comprehensible and articulate, and the intended member
  2. That's too bad, but your attitude is great... you're right, it would have been awesome to have it deleted, but its been 5 years. I wouldn't take it lying down, but that's just me. I wonder if something else can be done.
  3. Sort of along the same lines of certain CRA's differing in their offered services; the decision of Experian to stop the availability of FICO's for consumers had me confused with the MyFICO website's 30% discount which ends today. You can purchase a report+score for $15, but how do they handle pricing or discount if you want a report from EX? The 30% off was a great deal, but I am not going to jump on the opportunity right now since I am not in the market for a major purchase at the time being.
  4. Crystal Clear, I will no longer pay enough attention to the content or construction of a person's post to elicit a reaction and response on this forum. This will be my last post concerning this pedantic issue at hand, because I am above such things and refuse to engage in meaningless internet abrasive arguments, especially when I hold a forum in high-regard such as CIC and the vast majority of their members time/talent; and no I do not wish to 'continue' to talk about it, I simple made one single respectful and thoughtful retort in order to state my case and make a sincere plead to know what t
  5. Thanks a lot Jet! I know there are a lot of questions there... it is the list I've compiled since last year when I joined the forum, and I was going to put them all to rest, haha! One question that came to my mind about Credit Line Increases... this has always been something I'm indifferent about because I never go over a 9% utilization as most people suggest for FICO support... but if I contact all my CC companies for a CLI, I always thought it would be a credit pull - but, after joining the forum I am beginning to think it would be a soft pull since I am currently a customer of those credit
  6. Have most people found it is better to approach the original creditor or company that made a hard pull to remove inq's since it supposedly erases inq's from all 3 CRA's - or would it be better to go to the CRA? I wasn't sure if there was a consensus on this or not, thanks
  7. Thanks for the link, I'm going to check it out. I had no idea collectors could be so menacing, all I ever did in my line of work was explain there would be late fees if they did not bring their account current, but I never dealt with any account over 7 months past due/written off to an agency or law firm.
  8. My last post was deleted for so-called personal attack, if it is a personal attack to request someone not praise an entire industry for bashing women and having "cojones," and simply asking any forum member to implement spell-check, than I was unaware of the meaning of attack. I did not intend to attack anyone, I merely requested that there be a little class and objective respect shown along with some literary thought and consideration/grammatical attention. I have been on the forum daily for months now and have always thanked everyone, showed respect, and spread reputation, as well as learn
  9. Best of Luck! Keep us all in the loop, I really hope things work out for you as they did for me
  10. Part 3 DisputesAs I’ve mentioned before, the only glaring eye on my credit report over the years is an apartment complex that did not honor my Early-Lease Termination due to employment opportunities elsewhere which involved an eventual collection being placed on my CRA… what is the best way to begin my dispute and resolution process? Is an Apartment Complex seen as a “Creditor” as in, the Original Creditor? In what order should I use Debt Verification, CRA Accuracy Disputes, or 623 Original Creditor Dispute? (I am trying to avoid direct communication with the Apartment Complex; they are the
  11. Part 2 Opt OutHow/Where can I truly Opt-Out of ALL junk mail, solicitations, Pre-Approval offers, and false/misleading Credit Offers that are not legitimately already approved that come in the mail? [*]Car-Loan History Challenged Since I have never personally taken out/applied for an Auto-Loan, and I know the specialized Auto-FICO (FAIO, Enhanced Version) deeply considers past Auto Loan history when making an approval choice, will that hurt my chances in gaining the Loan in the future when I apply? Is there a way around this problem by seeking out Lender’s/Banks/CU’s that are able to dictate
  12. The Credit Questions Gauntlet Part 1 My collection of questions from my months of research; ambiguous and unspecified terms; I thought it would make sense to leave this in a dedicated thread here and see if the questions can’t all be answered over time one by one J Expedia CRI can still buy a report for/from Expedia, just not a FICO any longer right? For the most accurate up-to-date report, do CR’s vary like FICO’s? Should I buy from the CRA direct, or go through MyFico? [*]Transunioncs.com This TU website, with the infamous “CS” added to the end is supposedly the same as a true FICO Consum
  13. Hey Wizz, did you use mail or email? A lot of times it is impossible to find specific email online for a company database, and if you call, they act like either A) the information has been top classified and is held in a server on Area-51, or they act so confused like you just asked them the square root of 214.881 to the 4th power and say that they can't release an email or they don't have one! But luckilly, with some companies you can e-mail cust service and explain your situation and you'd like the email of the director of credit or their department, and they will either supply it to you or
  14. Is this special available online anywhere? I'm not sure if I'd watch it after the less than in-love reviews, but just curious.
  15. Pffft, they all do whatever they can in order to make a profit. Some of them might be ethical, but in that line of business and in all honesty the majority of people (not everyone) you have to deal with daily creates a very bad atmosphere for everyone involved. Does anyone know if this special will be available online anywhere!?