kimber6337 Posted September 22, 2002 Report Share Posted September 22, 2002 Equifax online hasn't changed my score, even after having like 3 biggies fall off. I still have a beneficial entry that is current and a judgment listed. I'm waiting for 2 collection entries to be removed and working on the others. My problem then will be I will have no credit other than my vehicle on there. Is that going to hurt and keep me down on my score? 524 and pending...UGH~k [Edit by kimber6337 on Saturday, September 21, 2002 @ 10:29 PM] Link to comment Share on other sites More sharing options...
admin Posted September 22, 2002 Report Share Posted September 22, 2002 I wish I knew for sure how the scoring engine worked. Sometimes people say they see an improvement in score immediately, and sometimes not - then all of the sudden their score shoots up!I'd say just be patient. Link to comment Share on other sites More sharing options...
smogtek Posted September 22, 2002 Report Share Posted September 22, 2002 I've been told by others on the boards that the last derogs account for the biggest jump in score. I also had a TU rep tell me this.From personal experience, I saw my TU score go from 612 to 595 after 3 deletions. 3 more deletions and it stayed at 595. 3 more deletions and it went back to 613.I am clueless about how it works.I will say this. Once the last 2 collections came off my EX, it went from 631 to 730 on CE!Unless you are planning something that requires a high score, I'd concentrate on getting rid of the derogs and let the score take care of itself.HTH Link to comment Share on other sites More sharing options...
kimber6337 Posted September 22, 2002 Author Report Share Posted September 22, 2002 RE: high score - yepp need it....Ah my dreams of the 700 club.....~kimber Link to comment Share on other sites More sharing options...
Anonymous Posted September 23, 2002 Report Share Posted September 23, 2002 With Equifax, the moment you put it in dispute, they adjust your score (as if it weren't there). When the item is deleted, you get to keep that score. That is why you don't see a change. For Experian, they leave your score the way it was. The moment something is deleted, *bang*, your score jumps.I think TU operates the same way. Link to comment Share on other sites More sharing options...
herauntsis Posted September 23, 2002 Report Share Posted September 23, 2002 Hey Mom, I am curious -- what does the SC stand for? Southern California? South Carolina? Savvy Consumer? Suing CRAs? School Carpool? Saving Cash? Link to comment Share on other sites More sharing options...
vonniegirl Posted September 23, 2002 Report Share Posted September 23, 2002 Yea, inquiring minds want to know! By the way herauntsis, do you send a letter to the CRA's at the same time you send Debt Validation to CA? :notsure: Link to comment Share on other sites More sharing options...
kimber6337 Posted September 23, 2002 Author Report Share Posted September 23, 2002 Ah well that answers my question of WHY my score bites so much - my current and ( reporting Beneficial account. Anyone had luck with getting stuff off with them?~kimber Link to comment Share on other sites More sharing options...
Anonymous Posted September 23, 2002 Report Share Posted September 23, 2002 <blockquote>Originally posted by kimber6337Ah well that answers my question of WHY my score bites so much - my current and ( reporting Beneficial account. Anyone had luck with getting stuff off with them?~kimber</blockquote>What kind of derogs with Beneficial, I was able to get a 1 30 day late off Link to comment Share on other sites More sharing options...
kimber6337 Posted September 24, 2002 Author Report Share Posted September 24, 2002 oh mines WAYYYYY past that LOL I'm thinking of trying to nego with them for like 50c/1.00 and see if they will remove the whole line......~kimber Link to comment Share on other sites More sharing options...
Wyndo Posted September 24, 2002 Report Share Posted September 24, 2002 My Trans Union score was 614 earlier in the year. Since then, I've paid down to $0 on 4 of my 5 credit cards (which accounted for about two-thirds of my total credit card debt, paid off two vehicles ($16k and $23k) and have a new car loan, no negatives (although there is a $100 entry in the "judgements" section) and my score *remains* 614. It just doesn't make a lick of sense. Link to comment Share on other sites More sharing options...
Anonymous Posted September 27, 2002 Report Share Posted September 27, 2002 I have 2 questions. One how do I post a question on the discusson board and second, I have a copy of my credit report but it doesn't show my score, how do I find out what it is? thank you Link to comment Share on other sites More sharing options...
tj34994 Posted September 28, 2002 Report Share Posted September 28, 2002 After all is said and done, now that I've pissed Asset and a few others off, my score dropped on EQ from 677 to 522 (over 100 points ) What do you think about that drop? Also, after disputing a few, they've come back validated to the CR's after sitting dormant for couple of years. Any suggestions now, they seem to be ganging up on me now. The best thing I guess is the SOL is passed on all of them. So at least they can't sue. I'm so confused, not sure how to feel. Help!! Link to comment Share on other sites More sharing options...
vonniegirl Posted September 28, 2002 Report Share Posted September 28, 2002 Welcome crystalp3 You answered your first question by posting on the board Regarding your credit score...you usually pay extra for that or at the very least when you request a CR you have them include your score. Did you request a report from all three CRAs? If you didn't do it now. admin suggest you request them separately instead of the 3 in 1 report. Also, you may want to read a few more threads on the board after you receive all of your reports.May I suggest purchasing Kristy's book, "Good Credit Is Sexy". It has everything you need to know about improving your credit!Good Luck and please feel free to email any of the members if you have a question for them. You have a very knowledeable,extended family here to help you! Link to comment Share on other sites More sharing options...
Anonymous Posted September 30, 2002 Report Share Posted September 30, 2002 My Transunion score has dropped from 604 to 559 now its 527. and the only thing that happend this month.. deletions. nothing has changed on my report since the 559. but i checked it today and it has dropped another 32 points. screw them... they make me sick !!!!!!!!!!!!! lol Link to comment Share on other sites More sharing options...
Sky Warner Posted September 30, 2002 Report Share Posted September 30, 2002 Ready for this one?I had an collection added to my CR on Trans Union. My score went from 436 to 469 when the ADDED A NEW COLLECTIONI guess their attitude is bad credit is still creditWhat IDIOTS!!Damn CA added that acct to my Exp too..dropped me from 571 to a 552 UGH UGH UGH UGH UGH Link to comment Share on other sites More sharing options...
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