nselig

Thanks! The answer is in your signature

A big thanks for all your help!

Good luck! Patience and hard work pays off. This site helped a lot as well.

First of all, a big thank you to all the users here who have answered my questions and helped me in my credit journey. I started off several years ago with many derogs, and a FICO of ~550. After 4 years of new trade lines, on-time payments, and a close eye on utilization, I have finally hit 700! (TU) I started with a single $300 secured Capital One MC. I now have $36,650 in credit card limits. -Nick

Checked my bank account today and saw an offer to raise my card from $12,000 to $16,600 Two years ago my credit was so poor I had a $300 secured card. I now have $31,150 in credit.

Thanks. Yes, that's right. Can't wait. Likewise! Thanks for all the great advice. TY!

Hi all, been a while since I posted. Since I was on last, my TU finally joined the 700 club and I've had increases on a couple cards. I was recently approved by myself at a prime rate for an additional car, something that never would have been possible a couple years ago. All I am waiting for now is two old derogs to drop off my EQ.

Sure, thanks. Thanks, that's helpful. I have a subscription to their monitoring service, as well as TU. I can pull my reports once a day.

Hello all, Based on this picture, when should this fall off? I don't see a field of last activity like under my other EQ section.

In Canada the Equifax Credit Score, which if I'm not mistaken is a separate model from its American namesake, is available to lenders. I've always been confused at to which is actually viewed by lenders, but haven't been able to get an answer.

to my knowledge the Equifax Credit Score is not available to lenders at all. Thanks. I did some googling and couldn't find anything to suggest otherwise here in Canada. I did see it stated as a model for 'educational purposes.' I updated my signature to show the FICO score of 632.

Cool, good luck

Yep, that is why. I've disputed all three multiples times with verification every time. Two are due to drop off April/October of this year, and the other collections next year. Don't sweat it... the time will fly by. In the meantime, just keep doing what you've been doing. Keeping utilization low and paying early Thanks!

Just purchased my FICO score for EQ instead of their proprietary scoring model and it shows 632. Unfortunately they don't offer a subscription for the FICO one. I wonder which one lenders are seeing.

Yep, that is why. I've disputed all three multiples times with verification every time. Two are due to drop off April/October of this year, and the other collections next year.