TimothyPHX1

The EQ score you get from myFICO is the common one in use Beacon 5.0 The TU score from myFICO is the EMPIRICA 98 version - The EMPIRICA 04 version is in use by most companies using TU FICO scores.

Did you put in your disputes AFTER you pulled you FICO from myFICO? Diputes can have some wierd affects on scores- (avg age, utilization, mix) This will lower scores can be hurt much more by age/avg age with disputes- Same thing happened to me when I was feeding the monter- (my worst baddie was on my oldest revolving account) Public records and collections are still counted while in dispute- 10 to 15 ponts per 10% of utilization and about 20 points for "too many accounts with a balance. The FICO would get dinged by the mortgage inq until 15 to 45 days depending on the FICO version. It is starting to get kinda rare to pull the 98 version of TU- did you ask the lened what your 04 score was?

sorry I missed this thread- I have Sprint - the SERO plan (Employee referal plan) 300 minutes, After 7 PM and weekends free, Sprint to Sprint Free, Unlimited data and text messaging My Bill is <$35 with taxes and I get 5% cash back on AMEX. It's been a year and I don't think the deal is quite this good anymore I have a few buddies that have had this plan for years that pay <$20

Because they zapped my Blue Cash to $500 and they won't let you re-allocate CL's I am lying low with them for now-

$35 They reduced the lowest annual fee from $55 Actually the AF is normally $95 or so but it is reduced because I have a charge card. They killed the Delta with the no double miles- I used my companion ticket last year , so it seems worth it. I am not calling AMEX- last time I called them they put a limit on my Gold charge card.

It looks like AMEX is at least going to get the $35 AF out of me- I can hardly believe it has been 2 years with them- New card is good until 2013 I think the new style is ugly compared to the old one- It pays credit secure- that's about it What can I do with a $1700 CL anyways?

Stay away from Quicken- IMO There are several better companies to do a VA or Conventional re-fi. I just went from a conventional to a VA - cost a 2.15% fee- Needed 90% LTV (still there after 50% drop in value) Loan to forever to get done. Down to a 4.8% fixed- and it gave full-doc new meaning. You may be better off $ wise to go conventional if you have some equity and are not in a declining market. BUT you may get stuck paying Mrtgage insurance- If you have 10% equity and willing to pay the fee - the VA loan will work- PM me for a referal -

Yep- if the interest rate is lower, no cash out, easy as pie

My Kay account is fine- My Open Junny account jumped off again- 2nd time in 4 months-

2.5% That's why I said I planned to do $10k...nets me about $55 or so Good luck- It would not be worth my effort

you would need to transfer a significant amount $5K at 3% would not even cover your transfer fee.

FICO is a funny thing- Afew things- Average age of acconts (covered above) Bucket/score card - Sound lke you are in the Public record score card Ratio of positive accounts to negative ones Payment history: FICO only looks at your most recent and the most severe late payment- So getting an old late added or removed won't move the score, but cleaner is always better.

How do people have CO's with no lates?

They won'y hurt you unless they were in default or are in re-payment and get your DTI to tight. They can affect your Average age of accounts- must student loans do not go into repayment until 6 months after you graduate-

Not suprised- Very happy with Discover-