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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Sun Sep 07, 2008 12:19 am
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| 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
fireyone's page
Posts: 4124
1011 Magic Points
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Sun Sep 07, 2008 12:23 am
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| 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
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 07, 2008 1:15 am
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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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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Sun Sep 07, 2008 1:17 am
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| My hibby has really good credit thank goodness. Last time we took out a loan his credit score was like 680. I am sure since we aquired the large debt on the lowes card it has dropped. I wonder if they will consider that debt if we are getting the loan to pay it. I mean the bank. |
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1002543
Joined: 31 Aug 2008
1002543's page
Posts: 82
79 Magic Points
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Sun Sep 07, 2008 1:55 am
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| According to Fair Isaac, 90% of lenders use different variations of FICO score. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 07, 2008 2:00 am
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If you tell them that you are getting the loan to pay off that debt they may be okay with it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Sun Sep 07, 2008 2:08 am
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| 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
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 07, 2008 2:33 am
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It would be nice to know, find out which one they are more likely to use.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Sun Sep 07, 2008 1:07 pm
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| 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
fireyone's page
Posts: 4124
1011 Magic Points
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Sun Sep 07, 2008 2:37 pm
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| 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
Mimee's page
Posts: 3
141 Magic Points
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Tue Sep 09, 2008 5:37 am
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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.  [/u] |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Tue Sep 09, 2008 11:41 pm
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| 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
peacockrancher's page
Posts: 45
162 Magic Points
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Wed Sep 10, 2008 12:33 am
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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
1002543's page
Posts: 82
79 Magic Points
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Wed Sep 10, 2008 12:39 am
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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
peacockrancher's page
Posts: 45
162 Magic Points
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Wed Sep 10, 2008 1:30 am
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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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