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victory1

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  1. I don't visit as often as I used to, but I just took a look at your spreadsheet and thought it was great. Not only did I save a copy for myself, but I emailed it to my siter and mother. Thank you!
  2. Checkings BofA WAMU Citibank Savings BofA WAMU ING Emigrant E-Savings AFCU (Associated Federal Credit Unions)
  3. I rest my case. I have never defaulted or been late on a loan. I have never filed BK. My three public records: State tax lien filed 1998 after I left the state based on an error on my state 1994 return. $67 Contested medical judgment filed 2000. $375 that the provider tried to bill my insurance company over $1000 on. We won in court, the judge ruled in our favor as to the amount, but it still was a judgment. Contested medical judgment filed 2003. $1700. Same as above, the provider tried to bill the insurance company over $5000. I absolutely resent being graded a "C" by this model. And this FICO bit of a judgment showing that I "didn't pay a debt until ordered by a court to do so" is insulting. It's a computer generated score and like you said above you have 3 public record! Have you read the earlier posts? So you think two small medical judgments that were paid by the insurance company and a released $67 state tax lien are more damaging than a BK? Several prior posters in this thread have reported A grades with BKs. Please explain. The computer is not looking at an amount, it sees 3 public record for you and 1 for them; and they guy that got an A with the BK has a credit file dating back to 1985!
  4. I rest my case. I have never defaulted or been late on a loan. I have never filed BK. My three public records: State tax lien filed 1998 after I left the state based on an error on my state 1994 return. $67 Contested medical judgment filed 2000. $375 that the provider tried to bill my insurance company over $1000 on. We won in court, the judge ruled in our favor as to the amount, but it still was a judgment. Contested medical judgment filed 2003. $1700. Same as above, the provider tried to bill the insurance company over $5000. I absolutely resent being graded a "C" by this model. And this FICO bit of a judgment showing that I "didn't pay a debt until ordered by a court to do so" is insulting. It's a computer generated score and like you said above you have 3 public record!
  5. Of course you do, you're rated AA by scoreX. Please, please, justify how someone who has filed a BK should rate an A while someone who has never filed a BK, been delinquent on a loan, or has had a collection account be rated a C with a 2% DTI and utilization under 1%. Don't you have 3 public records on your Experian report? It does not matter if they are small or old but they are in existence, hence your C rating. I have a clean file, and my oldest credit is from 1997 and I got an AA.
  6. I get the same offers from BofA without the fee; I usually throw that in the garbage!
  7. I think it's a great investment also and helping out other people in the process is even better. There's risk everywhere; I mean I use to work for Marsh USA and they got caught price fixing, I use to buy $2,000 a year in stock purchases, my porfolio before they got caught was worth a little over $16,000 now I'll be lucky to get half of that amount today.
  8. I think what is killing me on that scoring model is the bogus credit history and public records. It appears that there is no difference between small judgments and BKs. Oh, so you have a judgement or a BK showing on the Experian report; that would explain the C rating!
  9. Unbelievable. You may want to check your true FICO score. They have me as a C with this information: Now delinquent: 0 Delinquencies in last 7y: 0 Public records in last 10y: 3 (2 small paid judgments and a released $67 tax lien, all over three years old) First recorded credit line: Jan-2002 (Should be 1983) Total credit lines: 28 Inquiries in last 6 months: 2 April EX FICO 691 DTI 2% I was thinking the same thing Shawnee; I don't understand why you are a C with no deliquent accounts and Orbital62 is an A with 5! Go figure!
  10. How did you find out about it?
  11. Experian loves to do that every time you dispute something as not mine. They did that to my Mom for a medical bill that truly was not hers but another person by the same name but a different state. When we asked the collection agency for the document, they sent us a bill with her name from New Mexico, my Mother never been to New Mexico in her life!
  12. The credit bureaus will have contact information for both account. Since they came back verified; ask them for the contact information. Good luck!
  13. C's can borrow on Prosper with a decent rate; so not to bad! I don't call 15.75 a decent rate. A decent rate would be something like my LOC at our CU at well under 10%. If Prosper rates you an AA, you can definetely get a loan under 10%, depending on the amount asking!
  14. C's can borrow on Prosper with a decent rate; so not to bad!
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