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The agencies do not interact internally for score calculation

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asked: What is your credit Score ?
Options Results Votes
400-500
33% 33% 
 12 
500-600
36% 36% 
 13 
600-700
22% 22% 
 8 
700-900
8% 8% 
 3 
Total Votes 36
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: FICO
 
Posted on Mon Sep 03, 2007 3:31 pm  

I'm very curious, are there different scores, for each CR?? If there is, I had no idea. Can we actually get our CR's. from this site ( somewhere)? It says 'Credit Score Update' on the forum. Do you put your ACTUAL credit score there??
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36452 Magic Points

 
Posted on Fri Sep 07, 2007 6:34 am  

Wendy you have to pull out credit reports from the three different agencies. The agencies do not interact internally for score calculation. They have their own different models for calculation. So the scores are also different.
_________________
Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



538 Magic Points

 
Posted on Mon Nov 05, 2007 12:28 am  

I have been working to bring it up, this number is the last time I checked it about a year ago, here in a few months I will pull it again to see where I am at over the year.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36452 Magic Points

 
Posted on Mon Nov 05, 2007 4:21 am  

The conscious effort is appreciable good natured. Your determination will earn the accolades. Kudos to you. Smile
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Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



538 Magic Points

 
Posted on Mon Nov 12, 2007 1:17 pm  

Wow, I am in with the most popular score anyway, I am working on this and hoping to get it higher here soon.
debtstinker



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



3 Magic Points

 
Posted on Mon Nov 12, 2007 1:32 pm  

Hey good, I agree with Laura. you sure are determined Smile I looked at Transunion and my score is 647 and then looked at Experian where it's in the higher 500s. i havne't pulled all three yet, i think i'm scared to. I know that transunion will go down because i charged my car repair on there and any time you go past the 25% credit or approach 50% scores will go down though i don't know how much. i'm interested to see. we need to raise ours too. shoot now that i think about it i should look at hubby's too since most everything we have is under his name. couldn't be that bad, we got a car about 3 years ago with no money down in his name....eeeeee probably not smart that's why we're stuck with the payment we have. well we did trade a very badly damaged dodge intrepid. that counted i guess. good luck everyone with raising scores!
goodnatured



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



538 Magic Points

 
Posted on Mon Nov 12, 2007 8:50 pm  

Maybe we can show improvement if you run this poll one year from the date that you ran this one. It would be interesting to see how much people have improved wouldn't it?
debtstinker



Joined: 03 Nov 2007
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Posts: 272



3 Magic Points

 
Posted on Tue Nov 13, 2007 3:20 pm  

Very good idea! it would be nice to see results
goodnatured



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



538 Magic Points

 
Posted on Wed Nov 14, 2007 1:36 am  

Keeping my fingers crossed anyway that mine goes up, LOL.
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Wed Nov 14, 2007 7:42 am  

I think goodnatured is on to something!!
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Wed Nov 14, 2007 7:43 am  

Hey goodnatured...sounds like we are both in the "popular" score area....

I just bought a home with my score and STILL can't believe it... Thank you FHA....
goodnatured



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



538 Magic Points

 
Posted on Wed Nov 14, 2007 12:18 pm  

Oh, I know you can get financed, We did a refinance not too long ago, our intrest rate actually dropped too.
debtstinker



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



3 Magic Points

 
Posted on Wed Nov 14, 2007 12:49 pm  

really????????? that's good news, Sun I didn't read what your score is but I do know that you can get a loan but question is what are the stipulations around it. you guys are giving me hope big time
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Wed Nov 14, 2007 5:34 pm  

Well, we signed the loan this morning..

My scores are 513, 553 and 583.....My interest rate is around 6.25% fixed for 30 yrs... I had several collections and charge offs... The stipulation was that I had to pay some of them off and or dispute them... I paid the little ones off and disputed the biggies... I also had to explain why my credit history is the way it is... That was rather easy... I was doing great until 9/11 occurred... My industry took a big hit like many others..

My recommendation to anyone is to research and try to get a FHA loan at all costs.... You get a better rate!! The PMI insurance is nothing...we are paying half a percent...where as the coventional would have been 3 to 4 percent....thats a big difference... Like 700 bucks worth in our case..

This is my third house, I had to jump way more hoops than the others, but in this case it $$ worth it...

BTW.. we will be refi the loan in 6 months to a year (if the rates go down).. With the FHA we wont have to go thru all the hoops as we did this time...

SO, look into a FHA FIRST!!!! Best thing we ever did...
SunDevilsFan



Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Wed Nov 14, 2007 6:03 pm  

I forgot to put in there that FHA needs to see job stability along with income.. But that is kinda a given with ANY mortgage loans....
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