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

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erb1953



Joined: 31 Dec 2007

Posts: 621
-55 Magic Points
PostPosted: Sun Sep 07, 2008 12:19 am    Post subject:

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



Joined: 26 Feb 2008

Posts: 4500
8812 Magic Points
PostPosted: Sun Sep 07, 2008 12:23 am    Post subject:

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.
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goodnatured



Joined: 03 Nov 2007

Posts: 4007
1224 Magic Points
PostPosted: Sun Sep 07, 2008 1:15 am    Post subject:

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.
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fireyone



Joined: 26 Feb 2008

Posts: 4500
8812 Magic Points
PostPosted: Sun Sep 07, 2008 1:17 am    Post subject:

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.
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1002543



Joined: 31 Aug 2008

Posts: 82
79 Magic Points
PostPosted: Sun Sep 07, 2008 1:55 am    Post subject:

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



Joined: 03 Nov 2007

Posts: 4007
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PostPosted: Sun Sep 07, 2008 2:00 am    Post subject:

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



Joined: 26 Feb 2008

Posts: 4500
8812 Magic Points
PostPosted: Sun Sep 07, 2008 2:08 am    Post subject:

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.
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goodnatured



Joined: 03 Nov 2007

Posts: 4007
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PostPosted: Sun Sep 07, 2008 2:33 am    Post subject:

It would be nice to know, find out which one they are more likely to use.
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http://cashinpocket.synthasite.com/
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erb1953



Joined: 31 Dec 2007

Posts: 621
-55 Magic Points
PostPosted: Sun Sep 07, 2008 1:07 pm    Post subject:

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



Joined: 26 Feb 2008

Posts: 4500
8812 Magic Points
PostPosted: Sun Sep 07, 2008 2:37 pm    Post subject:

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.
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Mimee



Joined: 09 Sep 2008

Posts: 3
141 Magic Points
PostPosted: Tue Sep 09, 2008 5:37 am    Post subject:

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 [/u]
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fireyone



Joined: 26 Feb 2008

Posts: 4500
8812 Magic Points
PostPosted: Tue Sep 09, 2008 11:41 pm    Post subject:

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?
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peacockrancher



Joined: 07 Sep 2008

Posts: 51
62 Magic Points
PostPosted: Wed Sep 10, 2008 12:33 am    Post subject:

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.
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1002543



Joined: 31 Aug 2008

Posts: 82
79 Magic Points
PostPosted: Wed Sep 10, 2008 12:39 am    Post subject:

Check out whogavemecredit.com

BTW no fees.


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



Joined: 07 Sep 2008

Posts: 51
62 Magic Points
PostPosted: Wed Sep 10, 2008 1:30 am    Post subject:

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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