Mannerheim Posted May 2, 2005 Report Share Posted May 2, 2005 Hello,I've whacked 5 collections, I judgment, and changed 3 accounts from negative to positive in the last 10 days.My credit score HAS NOT MOVED!!!!I just had it pulled again for mortgage purposes, and we're exactly where we were one month ago.When should these scores POP!!!!I've been working with a lady at one of the bureaus that literally updates the items for me on a daily basis, but still nothing!What's up? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 2, 2005 Report Share Posted May 2, 2005 Mannerheim: Greetings from one Metro Detroiter to another. A big CONGRATS on your credit repair progress! A few questions:Where are you pulling your scores? MyFico.com; MyCreditKeeper...???As for the collections you had deleted...did they comprise the bulk of your credit history? In other words, could it be that even though these collections were negative, they also carried a long history, so that when they were deleted it affected your average length of history?How many positives do you have on your report?Even with the collections gone, do you still have a good balance of credit among revolving credit, installment loans, mortgage loans, auto loans, etc.? Link to comment Share on other sites More sharing options...
Mannerheim Posted May 2, 2005 Author Report Share Posted May 2, 2005 Hello,Thanks for responding. Did you see the SNOW around 3:00 p.m. today? I couldn't believe it!As for your questions....I have been pulling from PG, but have not been able to get a new report since the 27th. From what PG reps say, both PG and MCK are only going to allow one a month from here on out.I'm having trouble enrolling in Myfico, as I have a fraud alert on, and they won't take me with a fraud alert. Does Myfico give a credit report with 3 scores?My positive/negative ratio is as follows: Pos Neg020705 16 22040205 18 20042605 16 12043005 20 9050203 21 8050303 23 6The collections were all small, and over the past few years. Just nuisance items.I did lose an old Sears account, which I think was worth about 10 points, but that should be restored today.I have one existing (closed) credit card, that I am paying off (paid as agreed). I have two cars (with inescapable lates), and recently refied and broke my mortgage into two accounts.The score that I have been going by is my Mortgage score. As I think I mentioned, I had three (incorrect) mortgage lates in the past year. All were removed in the last few weeks. Wouldn't you think that would've moved my score? NO NO NO!I just don't get it!Thanks for the help. Link to comment Share on other sites More sharing options...
flythai834 Posted May 2, 2005 Report Share Posted May 2, 2005 truecredit.com allows you to pull up all three reports and all three credit scores. i had a fraud alert put on my account also, i just simply filled out everything they needed to know, then at the end was a toll-free number to call, did that verified who i was and in less than a minute i was able to view my cr. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 2, 2005 Author Report Share Posted May 2, 2005 Thanks flythai!I'll have to check out Truecredit!To those following this post, I just reviewed my First American CREDCO report from the mortgage company, and very few of the updates are showing up on my mortgage fico.What next?? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 2, 2005 Report Share Posted May 2, 2005 Mannerheim: I was in a meeting and missed the snow this afternoon. Just as well as it would have been just too depressing to see on May 2!As of this morning I was still able to pull an updated 3-in-1 report on MyCreditKeeper. I've heard the rumors that it is going the way of PG, but I don't think it's happened yet. So you may want to try, just to see what your FAKO scores are. You could also pull fresh copies of your EQ, EX and TU reports with scores. Will cost you about $15 each, but might be worth it to see the updated TLs and scores. Don't know, though, it may take the three CRAs a few weeks to show the new scores. I've always been told that EQ uses the true FICO scoring, so if you don't want to spring for the entire $45 you could just check EQ for now. JMO.Hang in there...you'll see those scores rise dramatically soon! Link to comment Share on other sites More sharing options...
Mannerheim Posted May 2, 2005 Author Report Share Posted May 2, 2005 Hey breathing_easier!I'm REALLY p*ssed off!I've got all three bureaus 98% cleaned up, but when my mortgage company pulls my reports via First American CREDCO, all this bad stuff is still dragging me down.Where is CREDCO getting this stuff, if not the bureaus. I'm on hold with them right now! Link to comment Share on other sites More sharing options...
breathing_easier Posted May 2, 2005 Report Share Posted May 2, 2005 I'd post this over on the Mortgage forum. There are many knowledgeable mortgage people there. I'm not familiar with how CREDCO works, so I can't be much help there. I do know that while certain TLs can be purged from the 3 CRAs, things such as judgments and liens can often be viewed for much longer by certain financial institutions. There is a site on the Net where for a fee you can pull up public records on an individual going back 20 years. Did you have any judgments or liens removed?Just out of curiosity, if you recently did a refi, why are you concerned with your CREDCO score? Link to comment Share on other sites More sharing options...
Mannerheim Posted May 2, 2005 Author Report Share Posted May 2, 2005 I refied with a shady guy, unfortunately. He promised one rate 3 hours before closing, then I closed 3 points higher. I closed with the understanding that I had the 3 day recission period to back out. During that period, he promised me that he would rewrite me at a much lower rate. As of now, I have trouble getting him to return my calls, so I'm looking to refi, again.This CREDCO stuff is really annoying me. I went to their website and it says that each time a credit report is needed for a mortgage, they get a fresh one. The one they gave my broker is dated 4/15/05, and most of my credit fixing was after that! Link to comment Share on other sites More sharing options...
breathing_easier Posted May 2, 2005 Report Share Posted May 2, 2005 How many times has CREDCO pulled your reports? Multiple pulls can ding your FICO temporarily. However, if they're done during a short span for mortgage rate and auto loan shopping it usually only counts as one pull.I think it's just been too soon for CREDCO to see your updated scores. Probably need to give it a little time.Once again, post this over on the mortgage forum and I'm sure you'll get many helpful responses. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 2, 2005 Author Report Share Posted May 2, 2005 Hi,I did post it over on the mortgage forum.First American CREDCO's website says:CREDCO does not maintain permanent files from which new credit reports are produced. Rather, each time we prepare a new credit report, we order the information from one or more of the three national repositories.--They do SOOOO much mortgage business, imagine how many folks are being screwed with outdated info! Link to comment Share on other sites More sharing options...
flythai834 Posted May 9, 2005 Report Share Posted May 9, 2005 mannerheim, try this site, it is free for the first 30 days and just $9.95 afterwards. you can get all 3 scores and 3 cr's. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 9, 2005 Author Report Share Posted May 9, 2005 Hi flythai,Did you mean to add a link? I can't figure out which site you're referring to.I would love a new source for daily CRA updates.THANK YOU!! Link to comment Share on other sites More sharing options...
Mannerheim Posted May 9, 2005 Author Report Share Posted May 9, 2005 Hi again,I guess you mean Truecredit.com. I'll go check them out now.Thanks, Link to comment Share on other sites More sharing options...
flythai834 Posted May 10, 2005 Report Share Posted May 10, 2005 mannerheim, yes i was trying to send a link. here it is again:https://www.creditmonitoring.citi.com/memberslet me know if it works. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 11, 2005 Author Report Share Posted May 11, 2005 Hi flythai,Thanks again. I called Citibank, and they said, too, that they only allow for one report per month. You can view it every day, but only pull it once a month.Keep on brainstorming!Thanks! Link to comment Share on other sites More sharing options...
breathing_easier Posted May 11, 2005 Report Share Posted May 11, 2005 Thanks again. I called Citibank, and they said, too, that they only allow for one report per month. You can view it every day, but only pull it once a month.Keep on brainstorming!MyCreditKeeper is still allowing daily pulls. According to a few other posts they are insisting that they aren't going to go the way of PrivacyGuard, which now only updates once monthly. So, give MCK a try. I'm still doing daily pulls with no problem. First month is free, $9.99/mo. thereafter. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 11, 2005 Author Report Share Posted May 11, 2005 Hi Breathing,Folks have suggested MCK before, but when I called them, they told me that they were going the way of PG.I'll give it a try anyway, and see what happens.thanks! Link to comment Share on other sites More sharing options...
breathing_easier Posted May 11, 2005 Report Share Posted May 11, 2005 They may eventually go the way of PG, but I don't think it's imminent. They still update every day. Register online...no need to even speak with a CSR. Link to comment Share on other sites More sharing options...
Mannerheim Posted May 11, 2005 Author Report Share Posted May 11, 2005 Hey breathing,When PG changed their policy, I immediately tried to switch to MCK. They wouldn't let me unless I had a different credit card number to use.We'll see what they say tomorrow.Thanks! Link to comment Share on other sites More sharing options...
workinninetofive Posted May 11, 2005 Report Share Posted May 11, 2005 I'm not so sure MCG is updating daily. A ca reinerted April 28th, it has yet to show up. But, when I pull a report straight from EX there it is. Link to comment Share on other sites More sharing options...
jq26 Posted May 11, 2005 Report Share Posted May 11, 2005 I think MCK still updates daily. I had a redit card payment update last night and it showed up with MCK this morning the same as it did direct through Experian's website. Link to comment Share on other sites More sharing options...
flythai834 Posted May 11, 2005 Report Share Posted May 11, 2005 does anyone know if mck lists fako scores or fico? Link to comment Share on other sites More sharing options...
jq26 Posted May 11, 2005 Report Share Posted May 11, 2005 FAKO Link to comment Share on other sites More sharing options...
flythai834 Posted May 11, 2005 Report Share Posted May 11, 2005 are fako scores usually higher than fico? i was kind of excited to see a 600 on my ex. pretty pathetic, i know, but i was happy. Link to comment Share on other sites More sharing options...
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