cant wiat till call these bastards monday morning. i had a bunch of credit card debt and paid it down now i have less debt than before, nothing late and my score has constantly fell 80 points over this time period. so frustrating.

11/8/2009 11:13:47 PM

maybe because you joined tww

11/8/2009 11:17:04 PM

Thanks for letting me know

11/8/2009 11:17:27 PM

Quote :

"credit IQ randomly fell 80 points in 3 months "

yup, joining TWW will do that

11/8/2009 11:17:51 PM

I've heard checking it often, either you or businesses, can lower it some.

Not sure though.

11/8/2009 11:18:20 PM

Yeah, I'm pretty sure that multiple inquiries can make it fall. Also, applying for multiple credit cards will hurt your credit.

11/8/2009 11:27:54 PM

or if you closed the credit card accounts after you paid them down. they don't like when you are responsible.

i bet they can't wait don't give a fuck about you calling monday.

you are going to end up talking to some nobody in India or [insert outsourced country here] anyhow....

11/8/2009 11:31:19 PM

I don't think constantly means what you think it means.

11/8/2009 11:35:26 PM

should have went to freecreditreport.com

they monitor your credit and send you email alerts

11/8/2009 11:40:53 PM

i signed up in june when i got my original score. never looked at again it because i wasnt doing anything besides paying all my bills until now when i was thinking about buying a car and was gonna check it expecting it to be damn near perfect by now and its not even good anymore.

11/8/2009 11:45:03 PM

Yeah, I'm with Skwinkle.

Is English your second language?

And is it wrong to ask this question? I'm just crazy curious and gotta solve the mystery here.

11/9/2009 12:02:02 AM

Quote :

"HAS CONSTANTLY FELL"

11/9/2009 12:21:53 AM

Quote :

"I've heard checking it often, either you or businesses, can lower it some. Not sure though."

This is incorrect. Checking it yourself does not penalize you no matter how many times you check. However, other businesses inquires will

11/9/2009 7:08:01 AM

If you pay off a delinquent account to a collection agency, it can cause your score to go down, which is the exact opposite of what should actually happen.

11/9/2009 7:33:54 AM

Quote :

"This is incorrect. Checking it yourself does not penalize you no matter how many times you check. However, other businesses inquires will"

correct. also, multiple inquiries may not hurt your credit multiple times. if multiple inquiries are made within a certain time period (I think it's a month) it only really counts as one inquiry. Example: there is an hard inquiry in january, april, and september = 3 hits on credit. if you have 100 hard inquires in one month = 1 hit on credit

11/9/2009 7:44:36 AM

Quote :

"CONDRATULATIONS YOU WON"

11/9/2009 7:50:01 AM

Quote :

"or if you closed the credit card accounts after you paid them down. they don't like when you are responsible."

think about what you're saying...this is your CREDIT score and you think it should demonstrate your ability to handle credit when you CLOSE a credit card?

that's counter-intuitive, really

11/9/2009 8:20:22 AM

One of the biggest factors is available credit/used credi ratio..........if you closed the cards first and then paid the balances down you ultimately screwed yourself

11/9/2009 9:47:07 AM

Quote :

"credit randomly fell 80 points in 3 months "

Quote :

" i signed up in june when i got my original score. never looked at again it because i wasnt doing anything besides paying all my bills until now when i was thinking about buying a car and was gonna check it expecting it to be damn near perfect by now and its not even good anymore. "

Quote :

"DOES NOT COMPUTE"

11/9/2009 9:51:39 AM

mine went up 120 points in the last 10 days, had some late payments taken off, and a bullshit collection from rex in 07

chillin around 780 now

11/9/2009 9:54:28 AM

Quote :

"expecting it to be damn near perfect by now "

ahhh only if it was so easy

11/9/2009 10:16:25 AM

mambagrl needs to listen to clark motherfucking howard

mon-fri 1-4pm 101.1FM

11/9/2009 10:29:07 AM

69, who did you call?

11/9/2009 10:53:28 AM

no one, you can dispute negative things online on transunion, equifax, and experian, if the negative items can't be proved, they are taken off, and you can just call your credit companies and if your payments are up to date, they will just take off the late ones, i had a few 30 day late ones from a few years back


anyone who pays someone to take care of their credit is an idiot, it took about 2 hrs to take care of everything myself for free

11/9/2009 11:33:22 AM

Quote :

"mambagrl needs to listen to clark motherfucking howard mon-fri 1-4pm 101.1FM"

11/9/2009 11:38:02 AM

somebody crack the FICO formula real quick and divulge it

11/9/2009 12:02:20 PM

i'm still above 700 although i have one judgement. however, i have tried to dispute it online and no one has ever taken it off.

i left an apartment, and my inspection said my place was perfect and then i never received my deposit. i said fuck it since it was out of state and didn't worry about it (it was only $150). they have a judgement against me for $440, and i can't imagine for what and never even received notification about a court date. it takes 7 years for that shit to fall off.

11/9/2009 1:13:33 PM

how long has it been? i had one that showed paid and closed that was 3 years old, and my score went up 50 points when it came off

11/9/2009 3:18:47 PM

Quote :

"i'm still above 700 although i have one judgement. however, i have tried to dispute it online and no one has ever taken it off. i left an apartment, and my inspection said my place was perfect and then i never received my deposit. i said fuck it since it was out of state and didn't worry about it (it was only $150). they have a judgement against me for $440, and i can't imagine for what and never even received notification about a court date. it takes 7 years for that shit to fall off."

I would see if you can locate an attorney to clear that up for a few hundred bucks, I think judgments are one of the worst things you can have on there. It sounds like the apartment complex dicked you just to see if you would pay.

11/9/2009 4:12:05 PM

It has been since May 2005. Thats when they submitted the judgement, i moved out in sept 2004.

so i'm over half way through it. transunion doesn't have it on there but the other two do. I am about 50 points higher on transunion. i want to say i'm 706, 712, 756.

i already have a house so its not holding me back and i won't be buying another car for some time, so the judgement doesn't bother me too much, just angers me that when disputed the experian said there is a court record for it, even though i was never in court for it.

11/9/2009 4:19:37 PM

sounds like you need to call the clerk of court and straighten it out first

11/9/2009 4:54:10 PM

WELL I WAS SHOPPIN FOR A NEW CAR WHICH ONE'S ME A COOL CONVERTIBLE OR AN SUV TOO BAD I DIDN'T KNOW MY CREDIT WAS WHACK CUZ NOW I'M DRIVIN OFF THE LOT IN A USED SUB-COMPACT F R E E THAT SPELLS FREE CREDIT REPORT DOT COM BABY SAW THEIR AD ON MY TV THOUGHT ABOUT GOIN BUT WAS TOO LAZY SO INSTEAD OF LOOKIN FLY AND ROLLIN PHAT MY LEGS ARE STICKIN TO THA VINYL AND MY POSSES GETTIN LAUGHED AT F R E E THAT SPELLS FREE CREDIT REPORT DOT COM BABY

offer applies with enrollment in triple advantage

11/9/2009 5:05:20 PM

Math is "magic" to women.

11/9/2009 5:15:49 PM

i knew a chick that majored in mathmatics once, she tried to convince me that whole numbers didn't exist, and i told her to gtfo

11/10/2009 7:10:19 AM

closing accounts can definitely hurt you

if you close the accounts when you pay them, it decreases your total available credit... and they really don't like it when your total debt is over 30% (or so) of the total credit.

11/10/2009 7:18:27 AM

there's nothing random about it

11/10/2009 11:10:20 AM

Dear TWW Economics

I just got a new credit card and got approved for half the amount i asked!

yay almost shitty credit!

11/10/2009 11:43:03 AM

shoulda asked for twice as much

11/10/2009 11:44:38 AM

Quote :

"Checking it yourself does not penalize you no matter how many times you check. However, other businesses inquires will"

there must be a way to utilize the internet to entice a swarm of companies into checking a person's credit in order to ruin them.

11/10/2009 2:15:09 PM