Paid Off Entire Credit Card Debt, Will Credit Scores Continue To Increase?
I fortunately just was able to cash out some stock options that have matured and was able to pay off about $20k in credit card debt (most were maxed) and $25k in auto loan debt. I only have student loans and my mortgage remaining which have always been and are in good standing. I noticed that my score over the last month of paying everything off jumped up from 640 to 680. Today when I subscribed to Score Watch it was at 694. Should I expect a continued rise in my FICO score rising over the next couple of months if I keep having no credit card debt balance and continue paying my student loans and mortgage on time? I don't want to waste money on monitoring it if that was pretty much the only jump it is going to take. Thanks in advance for any advice.
Categories: General Credit Tags: cash-out-some, continued-rise, credit-card, debt-balance, fico, Mortgage, over-the-last, score, score-rising, score-watch, student, student-loans
This is what happens when the baddies age off
I've been working on my credit for the last year. The idea being that I will have a solid credit foundation when the last baddies finally age off of my credit report. Well I got a score watch update today, logged in and and saw this: Holy credit spike batman! That's even better than what I was hoping for
Categories: General Credit Tags: been-working, Credit, credit-spike, great-credit, little-cards, really-works, score-watch, solid-credit, terrible-credit, update-today
CONFIRMED: Huge Discount On Score Watch!
Without saying too much and trying to endorse somewhere else...
Categories: General Credit Tags: equifax, equifax-score, layout, like-the-layout, saying-too, score, score-watch, scorewatch, the-same
Possible Huge Discount On Score Watch?
Without saying too much and trying to endorse somewhere else...
Categories: General Credit Tags: equifax, saying-too, score, score-watch, the-same
myfico Score Watch?
I've been using Experian's credit report monitoring service but thanks to all of you I now know that 1) the scores provided there are FAKOs and 2) the info provided as "helping" or "hurting" my score is generally bogus.
Categories: General Credit Tags: credit-report, experian, legit, legit-credit, only-monitor, score, score-watch, scores, the-scores, through-myfico, watch-the-best
myFico hard pull? hurting credit score?
I called 1-866-238-8067 about a collection on my account to see if i could remove it. They informed me that the "hard pull" from myFico's Score Watch was negatively affecting my credit scores but I haven't seen it go down at all. is this true or was she trying to upsell me at $4 more per month with experian.com?
Categories: General Credit Tags: account, called-1-866-238-8067, Credit, credit-scores, hard-pull, more-per, negatively-affecting, score, score-watch, true
Variance scores in each of the 3 bureau’s "3-in-1" scores packages?
I basically just did ALL the "3 bureau report + score" from each bureau and myFico. Here are the results of each bureau's version of the 3 scores... ------------------------------------------------------------------------------------ Equifax::::::::::: Equifax 626 | Experian 570 | TransUnion 656 TransUnion::::::: Equifax 732 | Experian 688 | TransUnion 756 Experian::::::::::: Equifax 704 | Experian 729 | TransUnion 729 myFico:::::::::: Equifax 703 | Experian ???
Categories: General Credit Tags: bureau-credit, equifax, experian, Files, Lender, results, score-watch, side-scores, subtract-even, the-lender, trans, went-the-exact, wondering-now
Pulling Your Credit Report for Free
OK, call me stingy but I would like to pull my credit report every couple of weeks for free. I am currently a member of the True Credit and Score Watch sites, but I want to drop them. My question is what sites can I get my Equifax and Experian credit reports for free on a weekly or bi-weekly basis? I have found credit.com and credit karma which pulls my TU for free. I am under an assumption that other sites will do the same for the other two CRAs.
Categories: General Credit Tags: Credit, credit-karma, credit-report, credit-reports, equifax, every-couple, experian, other-sites, score-watch, true
HLoan- What is it?
Today I received alert that my FICO score increased. Upon logging into MyFico I found this was due to the following message " Score Watch® alert: Possible lower rate on a new HLOAN ." What is an HLOAN?
Categories: General Credit Tags: fico, received-alert, score-watch, the-following
Is the "date opened" the same as….
The Date of First Delinquency? I purchased Fico's Score Watch and pulled my Equifax report, and I'm trying to figure out when some of these derogs will fall off my credit report. It seems like I saw somewhere, though now I can't remember where!, a DOFD, but I can't remember which site I got that info from, but I guess it wasn't FICO. Anyway, TIA!
Categories: General Credit Tags: Credit, equifax, fico, figure-out, first-delinquency, remember-which, score, score-watch, these-derogs, though-now