Score vs Report

Aug 262010
 

This might seem vague, but what do lenders value more…your score or the items on your report?  For example, a general mortgate rule of thumb has been 620.  Are they looking only at your score, or can they find a score of 650 and see something in your report that disqualifies you?  What about other lenders like credit cards, landlords, etc…I’m just curious and really trying to figure things out. 

Goodwill Fail :(

Aug 172010
 

So I emailed Bank of America CEO and HSBC CFO and I recieved phone calls rather quickly and both said thaty they could not change thier reporting to the Bureaus. I’m gonna try agian and hope for the best. I’ve read some posts that said the same thing but when they checked their reports the items were gone I hope this will be the case.

Posting credit report

Mar 122010
 

Hello all-I am new to this website and so far have found a wealth of information.  I would like to know if I posted all the items on my credit report would someone take a look at it and let me know your opinions on what to do/not to do?

 

Also what is Portfolio Recovery?  I am interested in finding out anything/everything I can do to fix my score.

 

Joined scorewatch yesterday and I received EQUIFAX score of 525.  Transunion is reporting a score of 573.

 

THANK YOU FOR ANY AND ALL HELP I CAN GET.  I will post my report as soon as I hear that it’s the right thing to do!!!!:smileytongue:

New to Forum

Feb 092010
 

I am new here. I view my credit scores and my report. I checked off the items that I am going to dispute. How do I know when certain items will be removed from my report? I was reading some of the other forum and people were saying even if I pay the negative owed amounts on my report that my score may not raise.  How should I go about paying the items in full? Should I start with the least amount or greater amount? I am trying to get some help in how to raise my credit score.

Thanks