Credit Score

[ormachea]

Isn't Structure just Express for Men, now? You should try giving them a call.

[michichi]

If you are trying to get around which score report Access Group pulls, ask them which they use for your home address and which they would use for you school address.  You can always wait until you know your school address and use that if it would be more advantageous to you.

As far as credit scores go, the reason why purchasing your own doesn't always give you a definite idea of whether you will be approved is because different lenders ask for different things to be taken into consideration to calculate your credit score.  At least this is true for Access Group.  They do not order your FICO score.  They tell Experian or Equifax which factors they care about and that is used to tabulate a score.  Therefore, the score they use may match the one you have ordered from a credit bureau or from FICO, but it may also vary -- and generally not in your favor.

[midjeep]

Well I just got my credit score: 666 

Now thats definitely a sign of how screwed I am going to be when looking for loans. I actually placed better percentile wise on the LSAT! 

Since I hate children, they can just take my first born and all the children afterward. 

[COmom]

Your score is still higher than mine...  Though I have been disputing stuff lately and will pull my score in another couple months (hoping to get it pulled up to a more respectable number).

[midjeep]

Your score is still higher than mine...  Though I have been disputing stuff lately and will pull my score in another couple months (hoping to get it pulled up to a more respectable number).

I only have one thing to dispute. The past due account was listed as "potentially negative" and was "written off" by the credit card company. I am going to see if they can at least mention that my account number was probably stolen given that I didn't authorize the contested charges.

[---------]

whoa- that's a bit unsettling.  So you can't trust the scores directly from the credit bureaus?  How much are they usually off?

Mine were off a LOT. There were accounts missing and accounts that were listed twice. I'm currently in the process of getting various things deleted. So far,it's taken a month to even get one thing off. Argh.

[---------]

Your score is still higher than mine...  Though I have been disputing stuff lately and will pull my score in another couple months (hoping to get it pulled up to a more respectable number).

I only have one thing to dispute. The past due account was listed as "potentially negative" and was "written off" by the credit card company. I am going to see if they can at least mention that my account number was probably stolen given that I didn't authorize the contested charges.

It's REALLY hard to do anything with an account once it's written off.The original agency may no longer even have the account,so they might not give a hoot what happened(unless you have written documentation). If it's been several years, you have to find out who currently has the account. It may have been sold from agency to agency.It could have been bought for pennies on the dollar. When you make a payment plan, make sure to keep a written account of all your transactions. It's not uncommon to get a phone call from a seperate agency that has been sent incorrect information long after you paid.

 

[ormachea]

I just pulled the FICO score for all 3. My score ranges from 590-650. 

It's not fair, here are the things it tells me are "my negatives":
1. Accounts not held for long enough
I'm bloody 21! How the hell am I supposed to hold an account anywhere near "the average of 15 years"?!?!? I'm happy I have a credit card with 6 years on it!

2. 2 late payments.
The only late payments IN MY LIFE were during a summer I spent working abroad and 3 years ago. It was a little difficult to mail a check in from Bolivia. And I still got the payment in fewer than 30 days.

3. High percentage of revolving credit
Sigh. This is true. My 70% credit used is nowhere near the 30% they recommend. I'll have to take out a small family loan to pull this down. Hopefully it'll do wonders for my score.

[HippieLawChick]

EMOTW

[ormachea]

EMOTW

  What does that mean?