Guesstimate of Score Increase

Mar 212011
 

I want to apply for credit in May and want to get my scores as high as possible.  TU is 693 and EQ is 663, both reporting identical information.  I know that my CC util is hurting my score.  Both cards are at 50% util.  Can anybody take a stab at how many points my scores can go up by mid May, due to paying off the balances today and getting my util to 0-1%?

Credit mortgage
bywoodleywonderworks

i need a mortgage and have little money down. monthly income is around $ 5500 and really no other bills. however, i have a bankruptcy that is just over a year old. my credit scores are 630, 624 and 600….does anyone have any suggestons where i could find a mortgage company that will finance me with the mortgage meltdown as it is now?

NCO Financial – GW Success?

Nov 302010
 

I completed a payment plan with NCO financial for an old AMEX debt that was my DW’s…it is reporting a $0 closed and the only entries are NOV 2008 KD and Dec 2008 OK.

 

Has anyone had any luck with GW with them?

 

Will removing this increase my score – this is the only collection on my report – I do have a few lates that are 24+ months old that I am working on GW letters for.

Thanks!

Credit Score Increase due to Paid Collections

Oct 012010
 

Has anyone had Credit Score Increase due to Paid Collections?  If yes, how many points did your score increase.

Credit Score Jump – Estimated

May 032010
 

I just paid off all of my revolving debt. I don’t have high credit limits on my CCs but I was curious if anyone could help me estimate the increase in my credit score.

 

My equifax score is currently 618. Prior to paying off the CCs my revolving utilization was at 60-76% depending on if you look at the equifax credit report from score watch and the one from annual credit report.com. One is factoring in an existing chargoff balance and one isn’t…really weird.

 

My revolving credit cards are listed below with their limits. All will have a 0 balance on Tuesday of this week.

 

Captial One  – Limit 1,500 (old balance used in current credit score utilization – 1224)

Children’s Place – Limit 300

Sears – Limit  500 (old balance used in current credit score utilization – 220)

Sams Club – Limit 100

Macy’s – Limit 600

 

 

questions on the Hippa process and on Ford Motor Credit…

Apr 032010
 

Sorry I am new here and have what seems like a bunch of questions.  Thanks in advance for taking the time to read my post.

 

1.  I currently have old derogatory medical accounts to IC Systems (3 hospital accounts with them),  Diversified Crd (clinic), West Asset (2 accounts for hospital), Financial Control (anthesiology), and Credit Management for radiology.  All accounts were paid, however I’m wondering if I can use the HIPPA process to delete the info from my credit report. :smileyindifferent:  If I do, will this increase my score??

 

2.  Back in Sept, my car was declared a total loss after being involved in a car accident.  My car insurance and gap insurance paid their share and a small balance remained of about $730.  Ford sent this to their charge off dept without notifying me that it it was in their charge off dept.  In Feb I called to check what the balance was and was given a different number to call, which I did.  Noone notified me it was the charge off dept.  I thought it was number for customers dealing with the insurances and payment of their car.  I was given my balance and I paid it in full.  They’ve now put on my credit report that this car was a charge off/written off.  I’ve called Ford to dispute this but their charge off dept says they don’t know anything and they don’t know who I can talk to.  I’m at a loss of what to do…

 

 

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Hi Fico Forums-

              I’ve been working on my credit for 10 mnths. now and thanks to this Forum I’ve- increased my Fico scores( 610EQ to 696EQ AND 631TU to 725TU), and 596EX to 696EX- and I’ve increased my credit, from 0 to $40K:smileyvery-happy:. I apped for quite a few cards and was approved for-Premiere MC($350),Secured WFNB Visa($1K),HSBC Discover($300),NFCU Flagship Visa(10K),Nfcu GoRewards(1K),NFCU NAV Chek LOC(15K),Sears(1K),JCPenneys(1K),Macys($400),Amex Delta Skymiles(2K)-got some CLI’s,NFCU Visa(10K to 12.5K)-Sears(1K to 5.6K)-JCPenneys(1K to 2.8K)-and since I had to relocate for work(NYC to Miami), have used my store cards and NFCU a lot-am now up to 44% utilities and am now paying it down aggressively($2K/Month)-I have a little xtra coming in this month(3.5K) and was going to pay 5.5K towards my balance which would put me @ around 29% utilities OR was thinking of ADDING to my WFNB Secured Visa,bringing it to 4.5K,( in hoping that when my Secured card graduates I"ll have a higher CL), which would bring my utilities to only 37%- obviously I want to have a higher CL with my WFNB Visa. Any suggestions?:smileywink:

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