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Myfico

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    #16
    You need to make sure all of your bankruptcy accounts are showing zero balance due and included in bankruptcy in the comments. You need to make sure the accounts don't look "fishy". Like if they are reporting something negative every month (which they shouldn't be doing). If they are reporting the account as "charged off" after your filing date. Make sure no accounts that weren't included in your bankruptcy aren't labeled as such. Make sure you don't have any accounts that were sold to collections ... anything negative that was reported BEFORE you filed is valid but anything negative that is being reported AFTER you filed is not.

    Do some forum searches, there are lots of threads on how accounts should look post BK and how to handle disputes.
    BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
    Scores: EQ 745 EX 704 TU 710 as of 08/15/2012

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      #17
      Originally posted by IBroke View Post
      I'm using ScoreWatch to monitor Equifax and FICO Quarterly Monitoring for TransUnion.

      ScoreWatch is $10.36/month and FICO Quarterly Monitoring is $3.96/month with discount-codes applied.

      Do you know any current discount codes for those 2 products?

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        #18
        Originally posted by EjectNow View Post
        Do you know any current discount codes for those 2 products?
        If I recall correctly, that should be the promo-code "cppsavings" which should get you 20% off.

        It seems Equifax ScoreWatch got more expensive (now $14.95 instead of $12.95 regualr price) so the price after discount should be $11.96 now. The other price, however, is still accurate.
        Last edited by IBroke; 05-19-2011, 07:05 PM.
        Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
        FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
        FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

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          #19
          Yeah, I just signed up for Scorewatch so I could see my Equifax score. I am at 654 as of today, April 9 I was at 646. Is that a good increase?
          Filed No Asset Chp 7 BK: January 2010
          Discharged: August 2010
          A life lesson well learned.

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            #20
            Originally posted by iswmle View Post
            Yeah, I just signed up for Scorewatch so I could see my Equifax score. I am at 654 as of today, April 9 I was at 646. Is that a good increase?
            Any increase is good. It always depends on what you "accomplished" between those two dates.
            Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
            FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
            FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

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