Xanathos Posted September 22, 2003 Report Share Posted September 22, 2003 OK, so I pulled my TU report/score on WK this morning out of morbid curiosity.My credit report was completely blank!This I'm actually happy about, because it means my journey is complete with them...but they did remove one positive tradeline(my car loan).On the score...it gave me a 44. Underneath that it listed the score as "Good"(bottom end of the "good" section).What score is this 44? Is it a real TU score or just some PrivacyGuard-Like useless score? Under "offers for cards" it also gave me a whole boatload of cards to apply for...when I started this whole thing, it only showed 3 offers...for secured cards. Bah, here's the list:AMEX Delta MilesAMEX BlueAMEX Delta Miles GoldAMEX Optima PlatinumContinental Airlines Platinum from ChaseAMEXAnyhow...what do you guys think? 0 tradelines, 6 inquires, a 7 year old file(apparently the older the file, the better the love), and a WK score of "44"...shot in hell of acquiring any of these things? Don't want to go pouncing inquiries left and right trying to score something...I'd never get the damn things removed, lol. I've always heard AMEX is kind of hard to get, though. Link to comment Share on other sites More sharing options...
nativechild48 Posted September 22, 2003 Report Share Posted September 22, 2003 Xan no offense is it worth knowing with them? I have heard from some that they are not always up to snuff 44 I think they left off the front part. I guess I'd be a purrfect .10, huh Link to comment Share on other sites More sharing options...
Xanathos Posted September 22, 2003 Author Report Share Posted September 22, 2003 I don't think they're with AMEX. When my credit sucked, they were telling me to go for entirely different cards. I'm not sure what their scale is...I just know I wasn't in the "bad" portion . Those were the cards they recommended I go for...thing is, my TU was the worst of my 3 reports for so long, I never paid attention to who pulled them...now all of a sudden they're my best report followed by a decent EX and a shaky EQ. Don't remember if companies like Target or Union Plus etc. pull TU or what.It's like being 18 all over again. Not a lick of credit and trying to acquire What a freakin' headache that was Link to comment Share on other sites More sharing options...
Randysbarb Posted September 22, 2003 Report Share Posted September 22, 2003 I wonder about that one too. My score is a really big (ready for this?) 5......[/Can you believe it? My FICO with TU is 633...who knows... Link to comment Share on other sites More sharing options...
Xanathos Posted September 22, 2003 Author Report Share Posted September 22, 2003 I wonder about that one too. My score is a really big (ready for this?) 5......[/Can you believe it? My FICO with TU is 633...who knows...How do you get a 5 but have a FICO of over 600? A five is like "Yeah, I declared bankruptcy, and then went out and picked up 9 more chargeoffs and collections".You mean 55? Link to comment Share on other sites More sharing options...
nativechild48 Posted September 22, 2003 Report Share Posted September 22, 2003 Xan whatever you do; do not get any Chase Cards; they love to bait and switch people; they have popups all over the computers for all these different credit card and once you get one and use it bam they got you and they will keep changing the terms. I used to have one and they were different then, but everyone I know that is or has been a customer lately they try to drain your bank acct. they are not customer friendly once you are in.BEWARE Link to comment Share on other sites More sharing options...
Xanathos Posted September 22, 2003 Author Report Share Posted September 22, 2003 Heh thanks for the heads up, but I'm one of those meticulous types that goes over anything I ever sign with a fine-toothed comb. You won't see the day I have a card that has variable rates that I'm not a part of helping decide the variable.Plus, I like you guys on this board and all, but frankly, repairing my credit was a major pain in the a$$. I'm strictly pay my balance at the end of each month from here on out, so rates aren't going to phase me too much. Link to comment Share on other sites More sharing options...
morrow Posted September 22, 2003 Report Share Posted September 22, 2003 Heres the explanation behind WK scoring.....What does this score mean?WorthKnowing.com calculates your score on a 1 to 100 range. The number is calculated as a percentage of the population. So, for example, if you have a score of 50 you have credit that is as good as half the population. If you score a 75 you have credit that is better than most of the population.I have a whopping 5 myself! Link to comment Share on other sites More sharing options...
Xanathos Posted September 22, 2003 Author Report Share Posted September 22, 2003 OK how is it you have a 5 and I have a 44? Your credit should be infinitely better than mine yet. Link to comment Share on other sites More sharing options...
mrsmo914 Posted September 26, 2003 Report Share Posted September 26, 2003 5 here too! Link to comment Share on other sites More sharing options...
sisflomi Posted September 27, 2003 Report Share Posted September 27, 2003 Xan, what will happen if you have no open accounts that are reporting is prob a denial and an offer of a secured card through most cc's right now. TU screwed up major on my report. I have two good and two bad. I had a good 30 accounts when I started, prob 10 were good. I applied with my score as high as 663 to Chase and US Bank and Kohls, should be easy to get with the score so high. Denied with all three due to lack of credit. Even if you have past credit, they want to see current credit too. I did the same with bf who had about 12 goods that were all closed by 97, denied lack of credit history. He only had two current and open accounts as well. Target is usually EQUnion Plus is EQThere are not many companies that pull just TU. Half that pull tu you either don't want or they pull from all three. I know first premier pulls TU and capital one does TU and at least one other report. And you dont want them at all. I can post the site to go see who pulls what with what score for you if you want to go look at it. Link to comment Share on other sites More sharing options...
Randysbarb Posted September 27, 2003 Report Share Posted September 27, 2003 From what I've read about the only major one reporting to TU now is Bank of America Link to comment Share on other sites More sharing options...
md Posted September 30, 2003 Report Share Posted September 30, 2003 I am at 5 too with WK, but have been as high as 10! Give me a couple of days and it will go up I tell you. In fact, I will come back here and tell everyone how high my WK score goes up. 15? 20? Who knows? Link to comment Share on other sites More sharing options...
md Posted October 9, 2003 Report Share Posted October 9, 2003 I am back now with the promised update. My score is now: 62!!!My main problem now is my utilization, which is basically maxed out until I can start paying down the debt; that will be very soon.I should know my actual FICO in a few days. It will be interesting to see what that is...especially when I get my utilization down. Link to comment Share on other sites More sharing options...
Pale Rider Posted October 9, 2003 Report Share Posted October 9, 2003 I have gone from about 550 to 633 on my TU FICO score and my WK score has never budged from 5. I use every once in a while for the bumpage only. Link to comment Share on other sites More sharing options...
paw67 Posted October 10, 2003 Report Share Posted October 10, 2003 5 must be the "magic" number...my Worthknowing is a 5 to. TU FICO when I started was a 612 and is now around 650 and I am still a 5 on WK. The only think that wk is good for is *b* and even that doesn't work to well.paw67 Link to comment Share on other sites More sharing options...
md Posted October 17, 2003 Report Share Posted October 17, 2003 TU Score: 715 I know I can get that much higher once I pay down some cards. I started in May with low 500s and have know made my goal with this one that was for next April.Next time I will have the true FICO. This is still better than having just the notworthknowing score. Link to comment Share on other sites More sharing options...
Fn_Rog Posted October 24, 2003 Report Share Posted October 24, 2003 Proud member of the "5" club too.R~ Link to comment Share on other sites More sharing options...
catnap1972 Posted November 6, 2003 Report Share Posted November 6, 2003 Party's over kids. It's a paid site now--no more freebies. Link to comment Share on other sites More sharing options...
michigangirl530 Posted November 6, 2003 Report Share Posted November 6, 2003 yea i posted it in the credit bureau section Link to comment Share on other sites More sharing options...
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