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By racer7949
FICO Sees Its Hold on Credit Slipping {print edition headline}
Highlights:
”Big lenders are moving away from FICO... Capital One Financial Corp. and Synchrony Financial don’t use its scores for most consumer-lending decisions. They are becoming a smaller factor in some underwriting decisions atJPMorgan Chase & Co. and Bank of America Corp.”
“Regulators are concerned that FICO leaves too many Americans behind, limiting them to payday loans and other costly forms of credit.”
“Big banks are increasingly approving applicants with low FICO scores or rejecting those with high scores if alternative metrics point in a different direction, lending executives said.”
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By KKP
Need some help or a sample letter to dispute.
I have progressive reporting one amount on my credit report, they also sent account to a collection agency who is also reporting on the account with a different amount. How can I go about challenging for removal?
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By Genie
My auto loan by Santander Consumer USA reported a 30 day late mark for March 2020 on my credit report. Before they reported this I had contacted them and they said they were assisting customers due to the pandemic. They agreed I could make my payment later and that I wouldn't have any lateness reported. I sent them a letter to request the removal of the late mark. I have a perfect 100% punctual payment record with them for over a year. This is the one late mark and it's due to a pandemic. After seeing they didn't remove I filed a dispute with the credit bureau as one of their reps suggested. I then received a letter from them stating the following:
We have investigatedyour dispute and verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report allcustomer accounts to the credit reporting agencies in a consistent and accurate manner.
On the bureau dispute they also left the late mark for March and updated my newer payments. How can I get this late mark removed?
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By PatrickMetro
Has anyone considered adding people to a tradeline and getting paid a fee after they show up on the new report? It would consider it would help people that want to get larger lines to get a quick add bump?
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By lukegotswag
Ok so I paid for the yearly monitoring after taking a look to see which bureaus are most beneficial to have regular monitoring here on the boards. Nonetheless, now that I've given them my $130 I am very confused about something that hopefully you guys can assist me with....
I am seeing two different score when I log into the report and need to know which one is relevant. When i first pull a new report, on a page sharing only my business name and a notification that says if I am on a Downward trend or upward trend, there is a score that says..
SCORE .. of which mine is a 17 (it does note the date next to this of 6/4/13 thought my report is dated today)
And then when you pull up the actual report and see all of the detailed information, there is a part that shows..
CREDIT RANKING SCORE ... mine is a 54
Which score am i paying attention to.. which is most relevant if not both.. and how do you have a 17 and a 54.. please do clarify whoever may be more seasoned in Experian and their scoring. Thanks in advance.
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