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123890

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  1. If it powers on, Recuva will work, but use the deep scan option. I think it's called "scan all sectors". Testdisk works too but is more technical.
  2. While the thread below is good, could someone make a youtube video on how to use it? Where are the formulas stored? I don't want to change them, I just want to learn from them. cc @BobWang
  3. Also use Gethuman.com to locate the best number for reaching a person at any company. They used to have a feature where they would dial the number tree and then wait on hold for you, but it doesn't seem to work anymore.
  4. One more question, we purchased an amex tradeline that reports on the 9th. How long will it take to show up?
  5. 123890

    FICO Formula?

    Thanks. Got a few laughs from the other links as well. Why not sue fair isaac in a class action lawsuit? How do I use BobWang's spreadsheet? (Edit: nm, found this great thread : https://creditboards.com/forums/index.php?/topic/606047-newbies-intro-to-the-marvels-of-bob-wang-fico-calculators-the-master-graphs-thread-etc/ )
  6. Not for mortgage, mainly gotten for opening a new CC to fund the 2k to 3k we are short on for buying the house with cash.
  7. I am looking to get a higher limit credit card, ultimately I want to be able to purchase a small property and get a rehab loan. My score was 720 in January and since opening 4 cards and a few late payments, my score is now 550 (the highest limit is 700, and I have $2420 in total CC balances). I have an eviction judgement, 800$ at a credit union loan in good standing. Would a 20k AU tradeline help?
  8. We'll see bourgeoisie (bougie for the english impaired) luxury yurts with lease purchase options 😆
  9. Has anyone reverse engineered the fico formula even somewhat accurately enough, to be useful? The reason I ask it that the FAKO scores are always 20 to 40 points higher than the FICO score shown by wells fargo (fico 9). Also, I see that my wells fargo fico 9 score is 20 to 30 points lower than fico 8 (discover.)
  10. I can see the EQ and EXP Business scores in NAV (didn't pull the report directly from EQ) but not D&B: Dun & Bradstreet doesn't have enough credit data to provide a grade. Establish business credit I only have one business credit card and very little activity. Perhaps chalk up these issues to covid? Coders and debuggers being laid off?
  11. Ah, I see. I am referring to the assigned numbers that are used for dispute letters, eg: Creditor:_____________________________________ Account Number:___________ https://whychat.me/Credit Report Dispute Form.pdf I suppose the account numbers can sometimes be different and sometimes be the same as the original account/credit card numbers?
  12. how do I find the account numbers on a credit report? Is contacting the creditors to ask for the account ID saying that the debit is legitimate?

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