MaxedOut Posted September 19, 2007 Report Share Posted September 19, 2007 I was all excited to be making progress on my reports... removing baddies and getting some new credit. I decide to check my FICO, and what do you know... need at least 6 months of history. Totally understandable, just a bummer.Owell, after going through that I decided I needed SOMETHING to cheer me up, so I pulled TW's FICO's. They were a bit higher than her FAKO's, which was a nice surprise. We are refinancing her car with Penfed next month, so this is great. Most of her remaining inquiries were from Sept of last year, so they fall off FICO next month, and her current car loan will report for the 12th time at the end of this month.Oh, and even better news... I DV'd Credit Protection Assoc. A couple weeks ago, they are off my TU as of today and should be off EQ soon (was never on EX)!! But that is for another thread... Link to comment Share on other sites More sharing options...
oompaloompa Posted September 20, 2007 Report Share Posted September 20, 2007 Sweet progress man. I went from a thin file in December 06 (no credit information of any kind except for collections) and I had scores in about 4 months. My first scores were all in the low 500's, now I am a 650 something on EX, have over 6K available credit and I've only had credit for 10 months. Just goes to show what a bad model FICO is for risk representation sometimes MUHUHUWAHAHA Link to comment Share on other sites More sharing options...
Recommended Posts