FICO vs Experian Score

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----- Original Message -----
From: tettamilli tettamilli
To: majors@oskie.com
Sent: Friday, December 17, 2004 10:22 AM
Subject: Experian Plus Score Vs Fico score

Hey,

You've wrote a nice article on credit scores). I have an score average of 732 between all 3 credit agencies (Equifax, TRW, and Experian). I just tried to get a mortgage, they told me I didn't have a credit score- shock to me! I didn't know you had to have an account open over 6 months for FICO to kick in. I just thought everyone went on the Experian Plus score. I suscribe to their creditexpert.com service. This brings me to the question at hand: what do you think my FICO score will be, if my "average" score for all the 3 major bureau's is 732?

Curious
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one thing to add. Experian uses many aliases and one is a site called creditexpert where they prey on people and tell them what they want to hear then switch them to nothing for money. See the credit expert thing was meaningless as you have shown me. use a real live place. Click Here. Cancel in 30 days and keep the report free
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all 3 bureaus suggest experian also.....thats one of the three....so the question is already answered. NO SCORE? Which is it. Got one or not.
all scores measure the same but may have different data.

732 is great

12 months is the level for a "Rated Trade Line"

30 days late at Ford Motor Credit

----- Original Message -----
From: Anonymous
To: majors@oskie.com
Sent: Friday, December 03, 2004 2:22 PM
Subject: [Repair a Bad Credit Report Score Free ] 12/3/2004 02:18:29 PM


Ok here is our deal. We are trying to purchase a new home and have one hit against us from Ford Credit for a 30 day late in Oct. My husband was out of town for 3 weeks yadayadayada...We did mail the payment to them close to the 30 day limit due to oversight. When they called about it I spoke with a rep told her it was in the mail etc...Then phonepayed the November payment. I called today to try to get some help - we have made 38 payments on time etc... Have no history of any lates with Ford. The rep said they will only remove the late if they are in error. He would fax a credit ref letter but it would still reflect the one 30 day late and state that we are current. The home we are buying is $30K less than our current home due to the fact it needs a remodel and we haven't had any credit issues in 5-7 years. Any ideas??
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i dont know your score
yes the late will show up unless you catch it before
most of the time big credit companies like ford
will not allow any changes
so it sounds as if you are in a fix
one 30 day late should not hurt you so bad
look for any balances over 80 against your high credit
reduce these and see an imediate score increase

bo majors
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