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  1. FICO 10T with its trended data is similar to Vantage V4. If you have a SyncB account, you get a V4 score. I still have derogs but they are now falling off month by month and my V4 score has jumped 150 points and is now 70 points higher than My TU FICO 08 (680 vs. 750). When that last unpaid CO goes away in a couple months, my TU F08 will likely be 800 or so but who knows what a trended score will be going forward with <1% UTI. I would bet that if it were the other way around and I had increasing balances, it would be the inverse situation score wise with V4 (and F10T) dropping like a
  2. Three more vanquished this morning on TU dispute site. It seems automatic when checking the "too old" box when within 6 months.
  3. Credit card payments work. I did it last year and then disconnected it. If your bank or card issuer has two step verification, EX might not be able to get in. It did give me 21 points on EX 08 when it was working. At that time, it had found a cable and cell bill but could not find Electric or gas bills for some reason.
  4. What is the DOFD? What is the SOL in your state?
  5. That request for EE on the 5 accounts not yet at 6 months did not work. I had to wait until that "official dispute" was final and then used the same method online as noted above on two CO's that were now at the 6 month mark. Those were instantly deleted. I have successfully used this method for myself and the DW to instantly remove anything at the 6 month mark. She is now clean on TU and went from 720's to over 800. I have 3 out of the remaining 4 CO's coming up Nov. 1st. Getting those off with their $32k utilization hit should help me on TU. I need to start calli
  6. NFCU continues to be the best option for those who can get in Discover is nailing people for Tax Returns for a $200 secured card. (they suck) PSECU has a good one, you have to call for a paper app. FNBO has an excellent secured card for those who are in their foot print. They also offer it through their network... small banks nationally. It graduates as well. Good Oddballs are Affinity FCU and Apple FCU Many local and national CU's have secured cards.
  7. DW got their secured two years ago. They unsecured it at 10 months and doubled her 1k limit. Her score then was 600 or so. She recently got a $10k 2% cash back Biz card with a 740 EX FICO 09. They have been excellent so far. Everything seems to be FICO 09 with them for CC's and the score they give you monthly.
  8. This is not from MF but it is related... Americans’ love affair with pickup trucks might be derailing their retirement plans (They do often come with a hitch for pulling your new home)
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