Is Equifax the culprit?

Submitted by rabarritt on Wed, 09/10/2008 - 18:43
Forums

Do you think Equifax is the culprit in the housing problem due to low scores being kept low too long? What is in it for them?

I have paid off all my debts, kept my payments on time for a full year, kept my job, and my fico form Equifax doesn't go up. Its at 587 and they show it went up to 677 (on their site) and in one second, it drops to 587. Argh!! 3 weeks later it shows 613. I really think I deserve better then that! Could they be keeping it low, or is there something wrong with their data system?

Hi Rabarrit
Paying off your debts on time does not necessarily mean that your credit score would improve by greater amount. This is because, the credit score rises substantially only if you make the creditor agree for a pay for deletion agreement in writing before you pay off the debt so that as soon as the debt is paid in full, the creditor removes the negative listing from the report. Now, since the negative listing is still there in your credit report, the score cannot go up to such high levels so soon. The score has increased from 587 to 613 only because you have made payments on time for the last one year.

Thu, 09/11/2008 - 10:38 Permalink

I agree with Mary and I don't think that there is any problem with the data system. To improve your credit score, you should continue making timely repayments on your existing debts so that your repayment history improves with time. Moreover, since you already have existing debt, you should not apply for new lines of credit, nor should you spend more than 30% of the existing limit on your credit cards. If you continue regular repayments for the next two to three years, your credit score would gradually reach above 650 and once all the negative listings gets removed from your credit report, you can expect your credit score to cross 700 points.

Thu, 09/11/2008 - 11:02 Permalink

This is great advise. I never kn ew that you should leave most of your credit limit open until I came here and now I am working on payng down debts to at least that marker point.

Thu, 09/11/2008 - 16:59 Permalink

That is a big ripple up and down like that, how does your score look on the other credit reporting agencies?

Sat, 09/13/2008 - 00:32 Permalink

Good question. I hear that your score is not the same on all three.

Sat, 09/13/2008 - 13:17 Permalink

Yes, the FICO score for each of the three credit bureaus are different because they are based on the information on your credit report. Now since there are sometimes differences in listings in the credit report, the score vary from one bureau to another. This is the main reason why some creditors use middle credit score and average credit score for determining the credit worthiness of the borrower. The avarage credit score is mostly used by sub prime lenders who provides loans and mortgages to people with poor credit scores.

Wed, 09/17/2008 - 07:13 Permalink

Is it any wonder we are all confued? It really does make a lot better sense to do it that way though.

Thu, 09/18/2008 - 01:56 Permalink
spanishwomenbfm (not verified)

But I get tangible with my boss'

Get Ahead's Love Guru has the reply to all your relationship anxieties!

In a talk with readers on January 24, Love Guru addressed heaps of different love problems. for families who missed it, Here's the transcript.

Love Guru shows, hi folks, hello, all you lovely people! Love Guru has arrived, Ready to address all your kinship problems!Ji asked over, 'LOVE','ji','HI loveguru I am in a love with a guy who has -girlfriend. We share each every thing with the other person but he is not reday to marry with me. Suggest me what direction to go. He always say live life. Does that mean that I am evil or does that mean that the other guy provides great progress over me? Would you advice me to propose to her or should i just overlook it?Love Guru responses, none of nihar, a person evil. It's now up to the girl to make the decision pretty lady in spanish who she wants. But don't take this further till she does. infidelity benefits nobody. I am deeply in love with 2 girls and love them both. Is it normal

Love Guru responses, hardly any, it is not normal. Online dating is all very well but you would like to see if you share any personal connection, Without hiding behind your key-boards. if you do find all is well, Then you may tell your mother you met him through a friend or something. I dont feel like on-going with this life anymore. I dont feel like loving my wife anymore as I somehow start comparing her with my ex girl. I don 't know why but I do not feel very confident with my wife these days. They are two individuals, Each with their set of negative and positive points. It is because you are in an unhappy situation that you are thinking about your previous relationship and glorifying it in your own mind. You have a child together confer with your wife honestly, Tell her that you both have to try and recapture the lost spark. I have already entered into 32. I am becoming nervous whether they can find a suitable gal for me. They stated in search of only last year after fighting with me. We are still buying a gal. Have positveness. I'm sure they'll hire a company for you. I am working abroad and our kids is in my native place. I here for a long time, And missing my family very badly. Is it okay to take into consideration prostitutes, Since it is unbarable to stop such feelings. trying to get your valuable advice. be advised answer. ThanksLove Guru advice, What's good for the goose is good for the gander, my mate. Don't indulge in any activity you will not appreciate your wife indulging in. And you will want to have her join you abroad? Stop fascinated about cheating on her or you'll weaken the foundation of your marriage. vital ek se pyaar karta hooo par doosri se nahi. Maine pehle use yes isliye ki kyonki woh mujhe bahut pyaar karti thi but now i received my love, Woh bhi place, Par main data hoo agar main pehle wali ko bata doonga toh woh kuch kar naa le give pleasure to kya karoo darta hoo kahi kuch ho gaya toh? Should i tell her many? Please yaar say somethingLove Guru suggestions, prem, You have gotten yourself into a bit of a mess but the best strategy is to be totally honest with the girl. He says he cant be touch with me at night. I am findinf it diff to live without asking him. Dont they've any feeling. He didn't resist his parents for your sake. Do you want to spend your other life with a spineless wimp like that? Forget about him and search for a new relationship. Eventually you will meet somebody who loves you enough to defy the odds and be with you. In september 2007 i met a lady web-based we both soon became frieds. I am in my early 30's she actually is elder to me by 8 to 10 years. She is also single from past 20 years has 2 kids. She started loving me is also commited the same, Later even i fell crazy about her. I stay here in Bombay she stays in london. She tells me that she is madly motivated by me wants to meet me. But for some odd reason as of the moment she can't. I am also starting to feel that i am also falling madly excited about her want 2 meet her. you then have a family and seem willing to leave them, But a large amount of is at stake. Please meet this internet woman first and then decide what you would like in life, And if it's more than worth it. use caution. Goodluck.

Mon, 10/21/2019 - 14:19 Permalink
Kathy Fiona (not verified)

I love the Credit Report Card beta program Mr Hugh Fisherman introduced to me and my husband. The stoplight metaphor is wonderful and easy to understand. Your explanations for positive and negative scores and the little doses of reality are great! I finally understand how the score is determined! I like how you have links to explanations and easy to read articles after each section. Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement. I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area. I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore. I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score. Mr Hugh had to access my account and study credit history and cleared an overdraft of $3,400 on my account which a scammer massed up my checking account. join him on Telegram @hughfisherman 984 226 8349

Tue, 10/22/2019 - 21:36 Permalink
Joshualeazy (not verified)

Ukrainian life agencies

Tagged russian girls for marry, ruskies girls for me, Russian girls in need of you, Russian girls union, russian girls meet, euro girls online, Russian girls hunting, european girls to marry, ukraine singles european grils, euro ladies dating, euro ladies for dating, Russian ladies for marriage, ruskies ladies free, Russian ladies bridal, ruskies ladies sexy, european ladies to marry, european lady, ruskies ladys, european mail bride, european mail brides, Russian mail order, Russian teleordering bride, Russian teleordering brides, russian mailorder bride, euro mailorder brides, Russian marriage ceremony, Russian partnership agencies, Russian wedding ceremony agency, Russian a bonded relationship dating, euro marry, russian meet, ruskies models, Russian online dating services, Russian personal ads, european sexy woman, ruskies single, Russian registered users, ruskies ukrainian girls, ruskies ukrainian women, european wife dating, ruskies wives brides, euro wives online, european woman bride, european woman dating, european woman for brides, Russian woman for bridal, Russian woman a relationship, Russian woman personals, euro woman photo, ruskies woman photos, Russian woman browsing, Russian woman going after man, european woman sexy, russian woman to marry, european women agency, european women bride, ruskies women brides, ruskies women chat, euro women dating agency, euro women dating site, Russian women dating blog site, european women for brides, ruskies women for dating, euro women for love, russian woman Russian women for life, Russian women searching men, euro women love, Russian women a relationship agency, euro women marry, ruskies women names, euro women online, Russian women extremely, european women photos, european women pics, Russian women taking pictures, euro women search, Russian women making use of, Russian women shopping for men, russian women site, Russian women the reality, european women to marry, euro women truth, euro womens, Russianwoman, Russin teenagers, Russion models, interested in a woman, shopping for a women, Seeking for a lady, searching for woman, looking for ladies, exploring man woman, hoping men women, in quest of russian women, shopping for woman, investigating women, Sexy girl ruskies, Sexy gals dating, Sexy russia woman, Sexy italy women, Sexy ruskies, Sexy european bride, Sexy european brides, Sexy ruskies girl, Sexy european ladies, Sexy european wives, Sexy euro woman, skinny russians, Sexy woman escort, Sexy mom to be on female, Sexy woman ruskies, Sexy ladies, Sexy women getting to know, Sexy women for courting, Single baltic wife, Single russian ladies, Single russian woman, Single woman relationship, Single woman searching man, Single women internet dating, Single women finding men, Site a relationship, Tall ruskies women, Top dating sites, Uk internet dating, Ukrain girl, Ukraine brides escort, Ukraine going on a date, Ukraine internet dating women, Ukraine ex-girlfriend, Ukraine girl seeing each other, Ukraine girl for life, Ukraine moms, Ukraine wife, Ukraine girlfriend, Ukraine hunny, Ukraine woman internet dating, Ukraine woman for partnership, Ukraine women wedding brides, Ukraine women seeing, Ukraine women for getting to know, Ukraine women holy matrimony, Ukraine moms sexy, Ukrainian girls and ladies, Ukrainian kids meet, Ukrainian wives, Ukrainian all women dating, Ukrainian ladies for union, Ukrainian ladies partnership, , Ukrainian a relationship agency, Ukrainian euro brides, Ukrainian girlfriend, Ukrainian mum to be, Ukrainian women a new relationship, Ukrainian women for dating site, Ukrainian women for wedding ceremony, Ukrainian women relationship, Vido russian women, here are a few bride, White woman a new relationship, Why marry a ruskies woman, Wife from spain, With european women, woman and bride, Woman and dating sites, Woman and nuptials, Woman good-looking woman, feminine belarus, lover bride, Woman dating, Woman dating on the internet, Woman for courting, Woman for relationship, Woman in married life, Woman in russian, Woman looking, Woman looking for man, Woman researching for man for marriage, Woman seeking out marriage, Woman needing men, Woman marriage ceremony, Woman russian nuptials agency, chick seek man.

Tue, 04/07/2020 - 12:53 Permalink
Robert Olivia (not verified)

760pluscreditscore@gmail.com is real and good to recommend. After review of write-ups and testimonies about him in trust and also is the name 760PLUS motivated my husband to say we should give a try to see if he's legit or not. I contacted him immediately to fix my credit, after long conversation and text message I became convinced to make some financial commitment as demanded, so to get the work done. To my surprise he helped me delete all the negative items on my credit report, increase my credit score to 810 and also a loan of $48k that was applied in late January 2020 got approval a day after I got a message of my new credit score line. He's good and reliable, use this period of stay at home to get assistance from this company. Call or text via: +1(304) -774 -5902

Wed, 04/08/2020 - 12:07 Permalink