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Messages - trainwreck

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Financial Aid / How long does it take to make a credit score go up?
« on: December 26, 2005, 02:13:36 PM »
I just checked my FICO score ( i guess the # i had before "586" was a plus score from experian).
My FICO score from Equifax is 620. How long will it take to get that up. What is the minimum # to get without a cosigner? I've heard 640, 680 and 700. So which is true? There is absolutely no way for me to get a cosigner.

Financial Aid / Credit Score to qualify without cosigner?
« on: December 24, 2005, 06:10:55 PM »
Well, bad news. My credit score is 586.

How high does it need to be for me to get loans without a cosigner?


How long will it take to raise it?


Studying for the LSAT / Re: I just had a horrible, horrible thought...
« on: December 24, 2005, 12:05:04 PM »
sounds to me like you are having trouble envisioning your self succeeding. I don't want to overanalyze your statement, but it sounds like getting your first test back has created alot of mental doubt as to whether you can actually do it or not.  I know the feeling, I got a 150 on the first test, after taking testmasters I got a 157. amd i know i could have done much better. Just put that doubt out of your mind, or at least keep it under control. it can be done, trust me. But if you keep thinking negatively, it could become a self fufilling prophecy. 

I haven't taken the test yet.

Studying for the LSAT / I just had a horrible, horrible thought...
« on: December 24, 2005, 11:42:53 AM »
What if I take the Testmasters course and still score 150 or below?

That's the wrong kind of thinking ... you should really be more optimistic. Do you feel prepared for the LSAT?

That said, Native Americans tend to get the biggest boost in LSAT; I've read that it's from 7-10 points. So, in theory your 155 would be like a 162-5. Yet, this is not set in stone. It's not automatic. If you get a 155, that does not necessarily mean you should expect to get into a school such as Boston University or Texas, where the 25th percentile LSAT is around 162 or so. For your example, UC-Hastings, if I were in your position, I would feel like I needed around a 158 or 159 to stand a decent chance of getting in.

A score in the 150s with your GPA is good enough for many of the Top 100 schools, regardless of your background. If you were looking to go to a very top school, such as Michigan, you would definitely need a score in the low 160s, at least. But for the majority of tier 1 schools, if you can get a score in the high 150s you can probably go to a lot, but not all Tier 1 schools. Below 150, I could not say with any certainty that you would be accepted by any law school.

Moreover, you will need to show the admissions committee how you've not just overcome the disadvantages that come with a poor background, but that you've thrived. It will not be readily apparent from the boxes you check off on your applications.

Thanks for replying. I agree that I should be more optimistic, but I like to think in terms of worst case scenario. I haven't started prepping yet. I ordered a few test books and will probably take a class. I'm definitely going to shoot higher than 150s, but I picked up a book and looked at the games section and I completely freaked out.

Here are my stats:

1/8 Native America, registered w/card to prove it
Poor background. Woman.
Overall 3.1 GPA from a crappy CSU school.
I haven't taken the LSAT yet.

If I do poorly on the LSAT and score somewhere in the 150s, what chances do I have to get into Hastings or another Tier 1.? Is it completely hopeless?

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