Credit Score (FICO) basics - How to improve credit scores

Joined: 31 Dec 2007 Posts: 573 -53 Magic Points

I don't know if there is any difference at all, your score is your score right.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

I have no clue. I believe they are different depending on what report you check becasue I hear alot about banks taking the medium score. Well they couldn't do this unless they had a few to go by.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

yeah, I used to think I knew which ones they use, but these days I am clueless, when you think they would use transunion, they use experian or equifax, I don't plan on borrowing any money for quite a while so I am not really concerned about which one they use.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

My hibby has really good credit thank goodness. Last time we took out a loan his credit score was like 680. I am sure since we aquired the large debt on the lowes card it has dropped. I wonder if they will consider that debt if we are getting the loan to pay it. I mean the bank.

Joined: 31 Aug 2008 Posts: 82 90 Magic Points

According to Fair Isaac, 90% of lenders use different variations of FICO score.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

If you tell them that you are getting the loan to pay off that debt they may be okay with it.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

I can call the lady at s&T that always does are loans. She knows us personally from years of being at the bank. I will ask.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

It would be nice to know, find out which one they are more likely to use.

Joined: 31 Dec 2007 Posts: 573 -53 Magic Points

It would be nice to know I suppose, then you would know which one to keep a closer eye on.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

I believe our bank uses Experian and I can see why. They give alot more detail than the others. My experian had a bunch of crap listed even some med. bills but my trans union only listed a couple. Nice if they would use that one.

Joined: 09 Sep 2008 Posts: 3 141 Magic Points

I had trouble with late payments in the past. Once I found this site www.mycreditdetail.com, things became much easier to understand. Now I've begun rebuilding credit. Try it for great info and tips on managing credit. Idea

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Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

What is this site all about? Soemtimes we have posters come on here and suggest a site that really is a waste of time. If it is legit maybe you can tell us a little more in detail what it is about. Is there fees associated with it?

Joined: 07 Sep 2008 Posts: 50 88 Magic Points

I guess getting your score would be really important if I were applying for a business card or even a personal card, I can see how knowing this ahead of time can save you alot of time and money. Does anyone know of any certain card that they choose or know enough about that you would recommend it to me?

I am looking for something with a descent rate and only need like a $1000 credit limit from the start, hopefully with out a bunch of err.

Joined: 31 Aug 2008 Posts: 82 90 Magic Points

Check out whogavemecredit.com

BTW no fees.

You can also check on financialglobal but their info is very inaccurate.

Joined: 07 Sep 2008 Posts: 50 88 Magic Points

What type of site is this, is it privately owned or is it funded by some corporation? Could you please give me more detail on what I am going into? Are there reputable cards that will suit my needs?

I don't want to be rude, but I don't want to waste my time on a site that will run me in circles. I thought about the dicovery card that fireyone had suggested in another post. Is this card on the site?

Are there real live peoples experience on there? I know sometimes companies will pay people to put up testimonials that are somewhat geared toward the company in a positive many, I find these less than truthful.

what has your experience been with this page? Would you apply according to what is on it? Do you feel that it is truthful 1002543? thanks

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