When I dispute online, it usually updates it within a couple of weeks. My scores have jumped 60-70 points in a 3 week span. I am just bored at work and have nothing better to do than to do this online. When I do dispute online, I always put "2nd attempt" so that they rush alittle more. I did however order a copy of my cr from exp today and the difference was about 80 points! (truecredit said my exp score was 673 and the real exp score was 592)
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Try not to rely on the scores. Its possible that your fako's could go down when your fico's go up, or the other way around.
My EX Fico was around 560, at the same time that the Experian "plus" score was 648, and other sites that give scores listed it from 560's to 617. (Several sites have $1 trial for 1-2 months of 'monitoring' and start w/ 3 reports & scores.) They're looking at the same info, and interpret it differently. This jus came to me: its like art. We could look at the same abstract picture and think entirely different things about it.Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.Comment
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That's supposed to be "looking at him", not it.Originally posted by StaciMM
Abstract Art
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........................ LOL!
(Took me a moment!)
Originally posted by AAAArtThat's supposed to be "looking at him", not it.
Abstract ArtMost of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.Comment
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how do you get your fico score?Comment
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You have to buy them (you have 3: 1 for each bureau) thru MyFico.com. Not cheap... Its really only a good idea to purchase if you're getting ready for something major, such as preparing to start the mortgage process.
Otherwise, better to put your money elsewhere.
Some key factors for FICO scoring:
Having low balances, paid on time, will help your score.
Late payments, especially after a bankruptcy, do alot of damage.
The past 2 years is the most significant-so as lates and other negative info get older, those things have less impact.
Each time you apply for something that results in your credit being pulled, an inquiry shows. Excessive inquiries (more than 1-3 per 6-12 months) hurt your score
Originally posted by MikeDz4Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.Comment
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