*****discharged!!!*****

[mattson06]

still dancing

[demismom]

Congratulations!!!!!!!!!!!!

[whatamess]

Awesome!!!!

Good luck with the reaffirm!
Congrats 2 everyone who discharged..

WAM

[Minnymouth]

YOUR THROWING A "DISCHARGED/CLOSED PARTY AND DIDN'T INVITE ME?????


CONGRADULATIONS - ALL OF YOU!!!!!

YOU ARE BANKRUPTCY SURVIVORS...................

WELL DONE.................

MINNY

[ilovemycaitybug]

Thanks, Minny!!! What a great July for you, too! 7/07... lucky numbers!

[mommytima]

Thank You All And Good Luck To Everyone

Check scores today with True Credit

ON 5/14 mine was TRANS: 596 today 619

EXPERIAN 519 today 635
Equifax 599 today 612

[mommytima]

Is True Credit Ok Or Is True Fico Better

[ilovemycaitybug]

Is True Credit Ok Or Is True Fico Better

TrueCredit scores are FAKOs... they really don't mean much. I do like the subscription, though, for the credit reports. So I can't say it's a waste of money. But, I do subscribe to myFICO.com ScoreWatch to get my true FICO score for Equifax. They also have a TransUnion product that is supposed to monitor changes but they've never given me an alert in over a month (many changes have been made) so I'm cancelling it. I ordered my Experian score there, too.

My TC scores are totally out of whack compared to the actual FICO scores. They are as follows:

TrueCredit FAKO Scores-
TU: 657
EX: 524
EQ: 626

myFICO.com TRUE FICO Scores-
TU: 514 (I think that's wrong, though... like I said, there hasn't been an update in over a month and many corrections were made)
EX: 593
EQ: 544

As you can see... there isn't much rhyme or reason to the TC "scores". My BEST FICO is EX... and it's my worst TC FAKO. I wouldn't mind the TrueCredit TU and EQ scores as real FICOs, though!

So, your true FICO scores could be worse or they could be better. The only way to know is to buy your scores at myfico.com. Pricey, but if you really want to know that's the answer. I personally think they should be given to us for free with the annual credit report. But what do I know...

[mommytima]

TrueCredit scores are FAKOs... they really don't mean much. I do like the subscription, though, for the credit reports. So I can't say it's a waste of money. But, I do subscribe to myFICO.com ScoreWatch to get my true FICO score for Equifax. They also have a TransUnion product that is supposed to monitor changes but they've never given me an alert in over a month (many changes have been made) so I'm cancelling it. I ordered my Experian score there, too.

My TC scores are totally out of whack compared to the actual FICO scores. They are as follows:

TrueCredit FAKO Scores-
TU: 657
EX: 524
EQ: 626

myFICO.com TRUE FICO Scores-
TU: 514 (I think that's wrong, though... like I said, there hasn't been an update in over a month and many corrections were made)
EX: 593
EQ: 544

As you can see... there isn't much rhyme or reason to the TC "scores". My BEST FICO is EX... and it's my worst TC FAKO. I wouldn't mind the TrueCredit TU and EQ scores as real FICOs, though!

So, your true FICO scores could be worse or they could be better. The only way to know is to buy your scores at myfico.com. Pricey, but if you really want to know that's the answer. I personally think they should be given to us for free with the annual credit report. But what do I know...

THANKS ILOVEMYCAITYBUG

THAT IS A DIFFERENCE. ON MYFICO CAN YOU DO UPDATES AT ANYTIME LIKE TRUE CREDIT ?
I WILL TRY MYFICO TOMORROW HAVE TO WAIT FOR THAT PAY CHECK TO HIT THE BACK I"LL LET YOU KNOW WHAT THAT SAID

[ilovemycaitybug]

Unfortunately, you can't update whenever you want (unless you pay for a new report) that is the reason why I keep TrueCredit. ScoreWatch will update the score whenever it changes. The other 2 you have to basically pay each time (there is a TransUnion product but it doesn't update the score but once a quarter). Here's a coupon for you to get 20% off your purchase: mw01. I bought my Experian score today and it was somewhere between $12-$13.

Hope this helps!

[ilovemycaitybug]

Update: My TU score is 551 after I rechecked my score Yay!

[mommytima]

Unfortunately, you can't update whenever you want (unless you pay for a new report) that is the reason why I keep TrueCredit. ScoreWatch will update the score whenever it changes. The other 2 you have to basically pay each time (there is a TransUnion product but it doesn't update the score but once a quarter). Here's a coupon for you to get 20% off your purchase: mw01. I bought my Experian score today and it was somewhere between $12-$13.

Hope this helps!

Thank You for the coupon I will use it tomorrow

[SinkingFast]

Congrats, Everyone!!

I know the sense of relief you all feel!!

[mommytima]

Update: My TU score is 551 after I rechecked my score Yay!

I ordered my Experian score and it was 542
I'll check one of the others at a later time when I have more $ car broke down again I tell ya it's always something