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Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 576



11 Magic Points

 
Posted on Mon Nov 05, 2007 11:33 pm  

Positives will stay for many years.
Old, closed positives falling off your report are not likely to impact your score much.
Negative history falling off will raise your score; the newer they are, the more your score will rise (as in pay for delete settlements or disputes).
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Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 576



11 Magic Points

 
Posted on Mon Nov 05, 2007 11:37 pm  

Quote:
How often do you pull your credit report? Do you have a particular reporter of the three that gives you more information than the other? I know that one free one a year is available, which is the best to pull first?


I used annualcreditreport.com and I pulled my FICO from myfico.com. I think I paid about $12 for the score.
I try to pull them all at the same time, as I don't know what report will be pulled by a creditor in the future.
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I don't dream since I quit sleeping
debtstinker



Joined: 03 Nov 2007
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Posts: 272



-11 Magic Points

 
Posted on Mon Nov 05, 2007 11:57 pm  

Thanks so much Morningstar! i went into freecreditreport.com and wasn't terribly impressed and didn't have the money to pay what they wanted for the three combined reports. i'm going to check out the annualcredit report and do the myfico and see what happens. In fact i just got a so called update from freecreditreport as my membership expires tomorrow and they said that my score is like the lowest it can be! now i know that's not right. i was looking at the other parts of the report and there's no activity in any of the categories, so basically it was a blank report. what they hey? why even send me an email at all?
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Tue Nov 06, 2007 1:02 am  

You have to have something on your report, you have bills right. I don't know anyone that has a blank credit report unless they are very young or locked up in prison for a very long time. I think I would be questioning it. I know when I pulled mine over a year ago they were all very different, they all look very different.

There is no way to tell what one the creditors will pull, they all have their reasoning for pulling each one. That would be an interesting question to pose to creditors, but you would probably get a ton of different answers. I guess the best you can do is monitor them and make sure they are acurate, dispute any discrepencies and hope your score improves.
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



-11 Magic Points

 
Posted on Tue Nov 06, 2007 1:37 am  

True good, I wasn't happy at all considering i already paid them their lovely fee because I forgot to cancel. that was my fault. I figured out what the report was, it was a notice that WAMU did a credit screening because I applied to one of their reward cards with the holidays coming up. still you w ould think that the other areas of the report would have SOMETHING! booooo on freecredit!
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Tue Nov 06, 2007 2:51 am  

I just can't see it being a blank report, can you complain and get your money back. I know it isn't much, but it is half of that chinese food that you splurged on last night.
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30038 Magic Points

 
Posted on Tue Nov 06, 2007 4:50 am  

Try to maintain positive accounts. Use them keeping the balance as low as 10%. Your score will remain excellent with on time payments and the history that you are making. You become really creditworthy.

A positive stays for 10 years and then drops off. It does not do any harm to your score, but an existing negative will.
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Carol
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



374 Magic Points

 
Posted on Wed Nov 07, 2007 11:00 am  

Hey carol, thank you for the feedback, really appreciate it, I have been trying to get rid of the older bills for quite awhile and some of the current ones have suffered a bit, but I will be catching them up this month with my mortgage surplus.

This forum has been a great source of support and information, I enjoy reading all the different feedback. You guys are great.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35793 Magic Points

 
Posted on Thu Nov 08, 2007 7:15 am  

Great to know that as well. Actually now I see some real good participation here. I hope we can establish a bond that is required in a community. Smile
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Regards,
Laura.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30038 Magic Points

 
Posted on Thu Nov 08, 2007 7:27 am  

You are welcome good. Great going with mortgage surplus. Keep it up Smile
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Carol
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



374 Magic Points

 
Posted on Fri Nov 09, 2007 12:54 am  

I know Laura, I have been part of other forums where members get out of control and try to be in control of it, drives me up the wall. It is a community forum, so community contributions and difference of oppinion is welcomed. Keeps things interesting to say the least. I have made some good freinds I hope and gotten some really good advice from members, hope this one keeps the good spirit and the conversation rolling. It is a great stress reliever for me at times to just come on and be honest about things, getting it all off my shoulders without criticism is a nice break. Thank you all for being such wonderful listeners.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



35793 Magic Points

 
Posted on Fri Nov 09, 2007 3:50 am  

Which other forums do you visit good? Its good to know that you have made good friends through communities online. That inspires us really. Smile. Just telling you...as a part of a community I would like other people to participate as well. If you have friends who would like to why not ask them to gather here as well. We can really have great conversation.
Credit repair can be cumbersome, let others share their opinion as well. Once all are here we can rock this community as well right? This community can earn as well. These magic points are for that. Smile Wendy and Morningstar has already enjoyed the benefit. Smile
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Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Sat Nov 10, 2007 12:19 pm  

Does anyone know how long keeping goodstanding takes to improve your score? I don't want to pull my credit report until I have a chance of seeing good news.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



35793 Magic Points

 
Posted on Wed Nov 14, 2007 9:43 am  

Well be consistent for a few months. Cant give the exact time though.
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Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Thu Nov 15, 2007 1:53 am  

Thanks Laura, I was going to take a new look at it after one year, I think that would do it.

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