Archive for July, 2007
Credit Score Vs Fico Score
July 28th, 2007
Question: creditxpert Credit Score vs FICO Score?
what is the difference between these scores when i check my fico.com they say my FICO Score based on my equifax Credit Report is 613. Due to the price of my fico being higher than i can afford i decided to shop around and found my credit keeper.com they pull all three of my reports but they use creditxpert not fico. creditxpert says my scores are experian 667 equifax 615 and transunion 665. Now are those scores very close to my fico scores or are they way different? If they are different does anyone on average (rule of thumb) know if my fico's are higher or lower then creditxpert scores.
Am i wasting time and money on creditxpert scores?
Answer: I use and like creditkeeper.com
Your FICO from the way I understand it is witch ever score is in the middle. So if you have a
620
612
645
your fico would be 620, That's also what score they use when your applying for a mortgage.
Credit Scores: New Changes To Your FICO Score
Posted in Credit Score | 
Tags: credit, credit score vs fico score, debt, equifax credit score vs fico score, fico, finance, score | 
No Comments »
Credit Score Get
July 20th, 2007
Question: what kiind of Credit Score would be needed to purchase a home that is 135k?
Thinking about buying my first home and have no clue as to what the Credit Score I should have to get a home. Im trying to build up my credit but would like to know what score to shoot for.
Answer: credit-report-free.totalh.com - try this service to boost you Credit Score before getting loan. After Credit Repair you can get the loan with minimal interest rate.
How to get your Credit Score and report
Repair Credit Report After Bankruptcy
July 12th, 2007
Question: Question about collection agencies and credit reports from old, OLD delinquent accounts.?
We're NOT deadbeats, but 10 years ago we had a business go belly-up due to serious illness and lost EVERYTHING.....business, home, cars, everything. Medical bills wiped us out. We never filed bankruptcy, but it was REALLY bad, including foreclosure on our home.
We've worked hard to repair our credit (which is pretty good now) and we're FINALLY squeaking by on our disability. We thought after seven years all past delenquent bills and judgements were removed from your Credit Report.
NOW we're getting bills for them! Seems an agency "bought" all delenquent accounts from some of our creditors, and are threatening to put them on our Credit Report. There's no way we can pay these......we're talking almost 100k!!
Is it legal for them to do this after all this time? Does anybody have any suggestions? We really, TRULY aren't dodging our creditors, but we're older, disabled, and on a fixed income. Paying ANYTHING on these old bills will be difficult.
HELP!!!!
Answer: The collectors cannot collect on this debt. You need to sent a certified letter to them right away stating that the statute of limitations is up on it, assuming it is 4-5 yrs - some states are different. California is only 4 yrs. Tell them that it is a violation to report this debt again and pls stop calling and harassing you. Send them a debt validation and make sure you put in it the above. Type in debt validation letter and samples will come up. Good Luck.
Legal Credit Report Repair, even After Bankruptcy
Posted in Credit Repair |
Tags: bad, company, credit, enhancement, erase, repair credit report after bankruptcy |
No Comments »