new2this Posted October 11, 2003 Report Share Posted October 11, 2003 From CreditNet:http://www.yourcreditcounts.com/cred/yccc_index.jsp Link to comment Share on other sites More sharing options...
kb9tbq Posted October 11, 2003 Report Share Posted October 11, 2003 Cool - just found out my Mortgage is finally on my credit report, LOLFICO 693 - ok, lol Link to comment Share on other sites More sharing options...
nulak Posted October 11, 2003 Report Share Posted October 11, 2003 Found this link on another forum. Pretty damn cool.This was my first official FICO score and not PG FAKO score.my score is 681 with 2 top negative factors being relatively short history (4 years and 7 months) and too many inquiries (4 in the last 12 months).I am pretty excited actually that even with those 2 factors I am close to 700. Played with score simulator and it said I can be in 741-781 range if I pay down 90-100% of my credit card debt. Another way to inscrease my score is to apply and get approved for a new credit card with $5,000 limit! My score would then be in 701-731 range.Anyway, this is damn cool thing and I will have to sigh up my wife for this for sure! Link to comment Share on other sites More sharing options...
Randysbarb Posted October 11, 2003 Report Share Posted October 11, 2003 Thanks I appreciate the link. Got mine too. Wish I had this last night before I paid for one from MYFICO. LOL Link to comment Share on other sites More sharing options...
kb9tbq Posted October 11, 2003 Report Share Posted October 11, 2003 The length of time your accounts have been established is relatively short.The proportion of balances to credit limits on your revolving/charge accounts is too high. I know why on this one - DH's 2 AU accounts are driving the score - so I guess it is time to shake them loose!Heck I only have 3 inquiries total on this report.Found 3 accounts reporting incorrectly - and should update my employment. But pretty happy over all... though my mortgage would of drove the score back up, cause earlier this year I was in the 700's.I just realized what was missing - my car loan!!! Oh well, nothing I can do about that - know the lender does not report to Equifax. Link to comment Share on other sites More sharing options...
sisflomi Posted October 11, 2003 Report Share Posted October 11, 2003 I will add this to the discount codes. I just paid for mine 5 mins ago!!!! Uggg ten bucks down the drain. Link to comment Share on other sites More sharing options...
rjc311 Posted October 11, 2003 Report Share Posted October 11, 2003 Question--Is there only one FICO score overall or is there one FICO for each of the 3 major CRA's? Link to comment Share on other sites More sharing options...
sisflomi Posted October 11, 2003 Report Share Posted October 11, 2003 oops sorry, it worked for me. Link to comment Share on other sites More sharing options...
vonniegirl Posted October 11, 2003 Report Share Posted October 11, 2003 Welcome to the board new2this and thanks for the site Hey Sis,I tried that link and if you don't have a promo code you need a cc for the $12.95 fee Am I missing something after I completed the survey Thanks Link to comment Share on other sites More sharing options...
Fn_Rog Posted October 11, 2003 Report Share Posted October 11, 2003 Thanks for the link, excellent timing!After my first round of disputes with EQ ended yesterday, it looks like I had 3 deletions, and a $6,800 IIB balance corrected to show $0, raising my score to 631.R~ Link to comment Share on other sites More sharing options...
majiking Posted October 11, 2003 Report Share Posted October 11, 2003 OK, I dont get it. I fill out the survey and enter the sweepstakes, but no free report. It just kicks me over to the equifax site for a $$$$ report with cc. What am I missing? Link to comment Share on other sites More sharing options...
Randysbarb Posted October 12, 2003 Report Share Posted October 12, 2003 There are three scores. One for each report.OK, I dont get it. I fill out the survey and enter the sweepstakes, but no free report. It just kicks me over to the equifax site for a $$$$ report with cc. What am I missing? It does kick you over to EQ but go ahead and fill in the info and look at the price. It is $0.00. Link to comment Share on other sites More sharing options...
Mel Posted October 12, 2003 Report Share Posted October 12, 2003 Thanks for the link! I just paid for this a couple of weeks ago and had to try it again tonight. It works.. I am pretty much stuck. Wanted to at least hit 600, but the only option the simulator gave me was to get another card and consolidate cards. Still thinking of the AU. I am not gonna be able to get my cc balances down. Honestly, it showed score 583. I know for some this is is low, but I know over time it will get better. This report does not show my monthly payments. And I still don't understand how you have balance with charge off. Thought with the CO balance went to 0.. I do have one inquiry, it was disputed last Thursday. Link to comment Share on other sites More sharing options...
nativechild48 Posted October 12, 2003 Report Share Posted October 12, 2003 :lol:I just paid for mine a couple of weeks ago, and so I did it for DH and did an immediate investigation. Thanks so much and welcome to our community Link to comment Share on other sites More sharing options...
Capepuffin Posted October 12, 2003 Report Share Posted October 12, 2003 I answer the questions and hit submit and it sends me to the household home page! There is no entering a sweepstakes there or any place to get a free CR. Whats up w/that? Link to comment Share on other sites More sharing options...
kb9tbq Posted October 12, 2003 Report Share Posted October 12, 2003 Not sure, just know when I clicked in on the right it says to begin the survey... then when you hit submit, it would tell you to correct answers and can't remember from here..But it is in fine print the next step to continue then I am looking at the application for credit report then it says the cost $00.00From here it looks misleading that you have just been put into Equifax site, but again in fine print there is a link to view credit report & score. Have to look so carefully when you are going through this part.And be quick about printing or saving, cause you will get logged out. Link to comment Share on other sites More sharing options...
Capepuffin Posted October 12, 2003 Report Share Posted October 12, 2003 I answered all the questions right! Maybe they figure that I don't need a free CR! will try again! Link to comment Share on other sites More sharing options...
kb9tbq Posted October 12, 2003 Report Share Posted October 12, 2003 Careful on that part, I went through once... and decided to get report for DH but thought to just use my same e-mail... it won't let you dupe the e-mail address. So I used another one which I have - so he would not get junk mail resulting from it. Link to comment Share on other sites More sharing options...
Capepuffin Posted October 12, 2003 Report Share Posted October 12, 2003 Well I tried and didn't suceed! I broke down and ordered a new one through my subscription. 8) Very happy with the results!!! Up 50 points!!! Yippee! Link to comment Share on other sites More sharing options...
kb9tbq Posted October 12, 2003 Report Share Posted October 12, 2003 Hey great deal!!! Now if I could get back to over the 720 I had on Equifax I would be happy once again! Not to bad, cause I know to me the points still don't matter, just can't get what I want anyway right now.But that is really great news on yours - definitely been working hard for it. Link to comment Share on other sites More sharing options...
majiking Posted October 12, 2003 Report Share Posted October 12, 2003 I am still not getting the FREE report and score. Maybe I'm not getting a cookie or something. Could someone walk me through it.....I'm scared!!Kudo's to Capepuffin for my new avatar! Link to comment Share on other sites More sharing options...
sisflomi Posted October 13, 2003 Report Share Posted October 13, 2003 First you do the questions, then it takes you to the page to fill out your info for the sweeps, after you send that, the page has a little link to click that says continue to your free report, click that, and start filling out your info. Link to comment Share on other sites More sharing options...
Peachkiwi Posted October 13, 2003 Report Share Posted October 13, 2003 I am still not getting the FREE report and score. Maybe I'm not getting a cookie or something. Could someone walk me through it.....I'm scared!! Try disabling your firewall. I had the same problem also. It worked when I disabled my firewall. I hope this helps. Link to comment Share on other sites More sharing options...
Capepuffin Posted October 13, 2003 Report Share Posted October 13, 2003 I tried with mine disabled and still didn't work. After I did the questions it wouldn't bring me to the sweepstakes page, it just kept going to their main page!Hope you all have better luck than I! Link to comment Share on other sites More sharing options...
kb9tbq Posted October 19, 2003 Report Share Posted October 19, 2003 Ok, this one should be stickied for a bit, so all the members can benefit from obtaining free Equifax report with FICO Scores! Link to comment Share on other sites More sharing options...
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