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HomeCredit ForumYour Credit Score

Member Graph: what is it all about?

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Mon Mar 10, 2008 10:59 am  
It will take a little while as morning star indicated. If you are in no hurry you can pull a free one from annualcreditreport (dot)com from each of the 3 reporting agencies once a year, doing it a few months apart will show your progress. goodluck with your goals of raising your score.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 380



4037 Magic Points
 
 Posted on Thu May 08, 2008 9:22 am  
I also get confused from time to tim about the difference between Fico scores ad your 3 CR scores. Now I also heard somewhere that experians score is the most used by lenders (it would have to be, they rate me the lowest out of the three) Is this true?

If this has been asked, sorry.... Do soft inquiries hurt your credit? I probably have 10 of them and i have no idea who half of these companys are and I would go insane if they were hurting my credit. Shocked
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 233



6596 Magic Points
 
 Posted on Fri May 09, 2008 7:14 am  
FICO provides a score rating model which are actually used by the three credit rating agencies - Equifax, Experian and TransUnion for preparing your credit report. So the score may slightly vary among these three agencies. Soft inquiries does not necessarily negatively affect your credit but inquiries from a collection agency are negative.
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Justin
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Posts: 714



79 Magic Points
Subject: credit
 
 Posted on Fri May 09, 2008 2:20 pm  
Ok...I've known CA's to inquiry about my CR. They can't do that WITHOUT 'your' permission, can they? How can they , legally, do that when you don't know who they are in the first place? Can 'we' STOP this in anyway?
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 233



6596 Magic Points
 
 Posted on Sat May 10, 2008 8:50 am  
Hi sdchargers_63

I agree with you on this issue. Although it is not obligatory for the creditor to let you know that it is referring your account to a collection agency, your permission is necessary if the collection agency is making a hard inquiry. Hard inquiry does affect your credit score temporarily.
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Best Wishes
Justin
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Thu May 22, 2008 12:25 am  
CA always cause people so much stress. I wonder if they can do it without your permission. I know they probaly can. Here I have a collection agency who refuses to quit calling for a pperson who use to have my number. I ask them how many times I have to tell them this is my number and the person doesn't live here. They say they have some "serious spyware equipment" and this is the most recent number they come up with. Sickening
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 382



9653 Magic Points
 
 Posted on Thu May 22, 2008 11:15 am  
I too don't understand why these CAs create so much problem. I would suggest you to complain against the CA to the FTC if they disturb you again. If you are not the person, why should they harass you.
_________________
Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Thu Jun 26, 2008 4:47 am  
They do not believe her when she says it is not her, alot of people pick the phone up and act like it is not them, when really it is. goodluck fireyone, it will take a ot of convincing them that it is not really you.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 594



1478 Magic Points
 
 Posted on Sun Jul 20, 2008 1:47 am  
If it were me I would have my number changed.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Tue Jul 22, 2008 9:48 pm  
shortly.very shortly...jopedfully
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Wed Jul 23, 2008 11:31 pm  
What are you waiting on???? If it is harrassment then you should be able to get it changed for nothing, the phone company should not charge you a dime.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Fri Jul 25, 2008 12:19 am  
No I am telling you I have tried that since I moved in here. They will not change it for free. That is why I haven't done anything. I refuse to pay $40 for a crap ass number thye gave me. My luck I would just get another bad one.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Sun Aug 10, 2008 12:55 pm  
Then they should give you annonomys call block free, it will block all un named callers from calling in, you won't even hear the phone ring, try talking to them about that.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2030



10771 Magic Points
 
 Posted on Mon Aug 11, 2008 1:07 am  
That is the best idean I have heard in a long time. Never thought of that. The thing is they don't only call annonoymous. Sometimes there name actually comes up or it is listed as PA.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2632



4999 Magic Points
 
 Posted on Wed Aug 20, 2008 2:22 am  
You are probably going to deal with these ones that shows their names
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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