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

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Nothong can be scarier than getting behind on a debt and dealing with most collection agencies. It helped to come here and find out what they really could do and how to get them either off your back or to settle debts for less. I never even knew about debt validation or pay for deletes. Who would have thought all this was available when they first get behind? The talking part is the best part of the forum for me. I could have never talked to my family about all this and really needed to relieve the pressure by just getting it off my chest. This forum has been the best at helping me from all angles.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

True it is always good to have someone to share your stress with, I know with mine there are times that I can not even talk to my hubby about it. He will just say, why don't you pay it. For some reason he thinks I have this endless pot of money laying around that I can just send off money here and there.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Oh believe me I know how you feel. Mine is not so much the creditor at this point but all the endless medical bills. He sees that some are down to a couple hundred or even below the hundred dollar mark and he will say "why not just pay it off?" I try to explain to him by the time I pay off one for $100 that would have paid how many monthly payments on ALL of them. Soemtimes they just do not get the overhead picture. I can sometimes see why they say girls mature faster than boys. They have to. What choice do they have? Someones got to use their head.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Oh I know, I am hearing it now about coal and other things, like one thing at a time here pal, the regular monthly bills have to be paid. Especially when they start to go up, like electric. But no one wants to hear me say, shut off that light, don't leave the tv on if you are done watching it, shut the computer down, etc. They don't see the bill every month. At one time I had it done to like $45 a month, now it is always like $80 and will be knocking $100 as soon as winter comes with the furnace kicking on all the time.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Yep no how that feels. I read my own meter and I would add on every month so that when it went I used more kilowatts in the winter I would actually be paid ahead and it wouldn't hurt as much. Just last month I used up some of my surplus. Don't think I am insane. I know you are probaly shaking your head right now but hey Its just like sending in extra money every month so if the bill gets high you can fall back on it.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

That makes sense fireyone, I always try to stay like 10 to 15 bucks a head a month so that I get a free month, it is about the same concept I guess. I see your point, works for me.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

It works for me...desperate times calls for desperate measures.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

I know, I wish I could stay disciplined enough to keep sending it like that every month but I can't.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Well things will be different now that the bill will be higher with the weather getting colder and daylight savings time gone. The paychecks around here will be shrinking with all the holidays and stuff. Hubby gets paid for them just it will take over the overtime.

Joined: 16 Jun 2009 Posts: 6 188 Magic Points

I also agree with Anthony on the point that the companies that offer free credit score require their customers to sign up for some particular service they offer. As for example Washington Mutual ESPN credit card offers free credit score every month through Transunion if you have their Total access wamu credit card. Again Myfico offers a 30 day trial free trial for credit score through Equifax after that you need to pay annual fees if you want to receive monthly credit score.

Joined: 07 Jun 2009 Posts: 54 298 Magic Points

Hi sdchargers,

Are you looking for free credit report then you have to visit this site to get free annual credit report. "www.freecreditreport.com"

There you can get free annual credit report.

Thanks & Regards,
_________________________________________________
Secure Credit Card Will make credit score improving easiest.

laurenwrght · Guest 0 Magic Points

i need credit and i am on orange can sum one get me some pzz !!

RoTimiWaddy · Guest 0 Magic Points

Hi. I was browsing this site and noticed this post and wanted to mention a site that really does allow anyone to actually receive regular access to their real Transunion CREDIT SCORE.

The name of the site is: Credit Karma. Google search it and you'll find it. Apparently this site doesnt allow us to post links or else I would provide it , oh well.

Just sign up for a free account and you'll instant access to your credit score which can be updated daily if you'd like. Highly recommended!

I hope this helps.

Cheers to good credit and improving your credit if its not so good right now! It takes diligence, consistency, determination, and patience but believe me, you can do it! Anyone can! I did it.

Thanks,

RoTimi

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

I don't think they are consistant, they can pull and use from either of the three sometimes, they will pull from more than to try and get you approved.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

Does this site ask for anything like a credit ard number or any thing personal along that line? I have read some posts where it was suppose to be free to sign up and later they attach your credit card and charged. It looked like a big hassle and alot of people were coming here to this site confusing it for the free credit site. They were being charged over ten dollars a month and could not get the fees from debiting each month.

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