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GaPeach

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    Georgia
  1. Ok so if no specific payment dates are indicated, then what? It only has an open date, no closed date, and is reporting "OK" right now as recent as January 2015, despite the fact the account has been paid and closed for many years, since 2010, but is listed under potentially negative/closed accounts.
  2. This car loan was paid off back in late 2010. It was reporting as a negative, them claiming it was paid a few times late during 2007 or 2008. I disputed it (I didn't think I had ever paid it late but it's possible It may have been a few days late here or there - so long ago I cannot remember and don't think I would still have records that would back anything up). Anyway, all three credit bureaus removed it. This morning, it is showing again. On EX it shows a closed account that was opened in Sept 2007. (no closed date). Payment status is paid, was past due 60 days. EQ has closed with same account opening date. Status shows: not more than three payments past due. Paid account, zero balance. TU has closed account with a different opening date (still sept 2007 but has different day). Status shows paid or paying as agreed, zero balance. Now the annoying/interesting thing is this - on the 24 month payment history (I am looking at USAA's Credit Check Monitoring site) it shows, from 2013 to Jan 2015, all "OK" under the payment history. Should I or can I dispute this since this account has been paid since 2010 and they are marking OK for the past 24 months payment history? It does not show a closed date or date of last activity, other than that stupid 24 month payment history that is nonexistent! How long will this car loan stay on my record?
  3. This isnt working for me Is this for the 3 bureau monitoring? That is not for the three in one report. You have to add each individual report and you'll get the discount on the total.
  4. Log in to DCU.org. From the menu on the "ACCOUNT MANAGER" menu on the left, select "Account Information." On the right, select "Manage Accounts." In the submenu that opens, select "Free FICO Credit Score." Register. You'll now get a free EQ FICO at the end of every month. They'll use a soft pull. Good deal! Thanks!
  5. You'll get a message in your inbox on the last Friday of the month with the FICO score. You can check your inbox now to see if they sent you one or if you'll have to wait. Thank you!!
  6. Re DCU - found the info and clicked on the button to sign up for the free FICO each month, but have not received it yet....not sure how they deliver it. I clicked on the link again and it says I am signed up for it. I think I am having a blonde moment. I swear I am not seeing my score on their site.
  7. Anyone who scoffs at a 200 point jump in a year is a moron. It sounds like you really got your s**t together. Congratulations. I agree though, time to check your FICOs. My Experian FAKO from USAA is 730-ish but my FICO is 771. You might be in for a double surprise. Thank you! I'm definitely going to pull my FICOs soon just to see what they are. Trying to hold out until my dispute period is over, but might be worth the $ to go ahead and pull it now. If you have an open dispute, wait. You might as well know what they are when the dispute is completed. And consider adding some free FICO sources so you can track your progress without paying for scores. Thanks! I went to that list, and I have a DCU checking account (the free checking account), but did not see how to get a free FICO there. For some of the others, does it pull a hard inquiry? Looks like one of them was from Cap 1 but only if you get denied for a card or CLI? Trying to not have any hard pulls, and recently was increased by Cap 1, so I don't know if it would do any good to check it that way. Still perusing the list for others though.
  8. Thanks all! I never thought I would see anything in the high 600s, much less in a 700 range. Super excited and somewhat addicted to seeing the score go higher.
  9. Anyone who scoffs at a 200 point jump in a year is a moron. It sounds like you really got your s**t together. Congratulations. I agree though, time to check your FICOs. My Experian FAKO from USAA is 730-ish but my FICO is 771. You might be in for a double surprise. Thank you! I'm definitely going to pull my FICOs soon just to see what they are. Trying to hold out until my dispute period is over, but might be worth the $ to go ahead and pull it now.
  10. Checked my Experian FAKO this morning (through USAA's credit check monitoring) and it is 701! Been hanging around the high 600s for a while, then it took a drastic tumble into the low 600s for 48 hours a couple of weeks ago (still have no clue what that was about but was in the midst of a new card reporting and some random medical disputes...). A year ago today, to the day exactly, I was at a FAKO of 501. (Yes it's a FAKO, but my Experian FAKO has been very close to my FICO, only off by a couple of points. And I know 701 is not that great for some of the people here who are in the high 700s or even in the 800s, but it's taken a lot of work (and I'm still working on it) to get to where I am today.) Stick with it people! The advice and system here works! I'm at 701 and I still have some baddies reporting (those are the items I am working on now...) so I cannot imagine where my scores will be when I get these items cleaned up, repaired, paid, etc. :-)
  11. Yeah I am really curious to see if it works after I PIF this week or next. Especially since the option is there on the site. I'll update when/if I do so.
  12. Oh shoot. 60 days, 90 days, 6 months. Reading too many things at once and it's been a long day at work - brain is frazzled. So do I have to wait 90 days now or is it possible after this week (after the 60 day mark)?
  13. Agreed and understood. When I saw the reasoning today, that is exactly what I was thinking. Just went back into AmEx online and the option for CLI request is there...not that I am pulling any triggers....waiting until I pay in full and then will check it out. Unless Shifter is correct that I have to wait 6 months, even though the 60 day mark is this week, in which case I will wait 6 months. I cannot find where I read that before, that if you are declined before the 60 day mark, you can still try again at or after the 60 day mark, but I swear I remember reading it.
  14. I thought one could still try at (or after) the 60 day mark if turned down before then...? My 60 day mark is this week.

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