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I checked my credit score about 4 months ago and my score was getting close to 600, I filed bankruptcy about 4 years ago but have established credit ever since. I have had all my bills paid, never any lates for 3 and 1/2 years. Now I go and pay one of my credit cards on-line and it asks if I want to know what my credit score is for free-my credit card company giving this too me from their website as a valued customer. It said 425, what nothing has changed on my credit report in 4 months. The only thing is that my balances on my credit cards are high but they have been that way before then. I am making more payments not just the minimum due. Do you think this could be possible or don't really go by that site go by the fico site?

That's a pretty big discrepancy. Have you checked your actual credit report recently? Identity theft is always a possibility these days!

Sub: #1 posted on Wed, 06/25/2008 - 23:26

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

The guest was me. I just checked Transunion today nothing new.

Sub: #2 posted on Wed, 06/25/2008 - 23:30

kolodin616 kolodin616

(Posts: 157 | Credits: 21.33)

Was that your FICO from MyFICO or a FAKO from Truecredit? There's always going to ba a variance b/w the 2 but 175 points I admit is a bit extreme. Just an FYI, as you approach that 10 year mark and your BK drops from your reports, you will likely see another big drop because right now, your FICO compares you to other consumers with BK's.

Sub: #3 posted on Sat, 06/28/2008 - 22:49

Moderators Cum Industry Expert
(Posts: 4665 | Credits: 308.23)

nascar-It was from Truecredit. I just got my experian report yesterday and got my FICO score and it is 545. Next May 2009 my bankruptcy is suppose to come off of my report. Will the other accounts that were listed as charged off-because they were included in the bankruptcy are also to come off. I am trying to pay off/down my credit cards so they are not high balances. So are you saying that my score might have dropped or will drop since I am getting closer to my BK being 10 years? Will it go up when it comes off?

Sub: #4 posted on Tue, 07/08/2008 - 23:59

kolodin616 kolodin616

(Posts: 157 | Credits: 21.33)

Also I know I have a lot of open accounts all current and never have missed one payment and never late but they may be looking at this as I have too many and they are high balances. What is my best bet pay off some of them and close them(the ones that are older) or just pay them off or pay them down and keep them open.

Sub: #5 posted on Wed, 07/09/2008 - 00:02

kolodin616 kolodin616

(Posts: 157 | Credits: 21.33)

Nascar, I also have to tell you I have 2 BKs on my report. One that is almost 10 years and 1 that was 4 years ago. I know that is also a factor in that my score is low, I feel pretty cruddy about my report but I really have been trying so hard to clean it up and never get back into this situation again.

Sub: #6 posted on Wed, 07/09/2008 - 00:05

kolodin616 kolodin616

(Posts: 157 | Credits: 21.33)

Spam removed Cajunbulldog

Sub: #7 posted on Wed, 07/09/2008 - 00:22


mr hanks,you are a SCAM!!!!!!!!!!!first,you are in the UK,second
you have a yahoo legit loan has a yahoo address.
if you think for a second this will fly here you are as stupid as
you are a scammer.

Sub: #8 posted on Wed, 07/09/2008 - 00:34

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15511 | Credits: 1357.03)

Just be patient and keep paying your bills and try to get those balances down really low and that should help your FICO score. I wouldn't necessarily close any accounts out as that can look unfavorable upon for whatever reason there is...I read that somewhere. Good luck to you

Sub: #9 posted on Wed, 07/09/2008 - 03:16

ladybug ladybug

(Posts: 2757 | Credits: 282.45)

Part of your credit score looks at how much outstanding debt you have in relationship to how much credit you have available. So if you were to pay off some balances but not close the accounts, that would lower the percentage of available debt that you are using, which should help your score.

Sub: #10 posted on Wed, 07/09/2008 - 03:40

alias1958 alias1958

(Posts: 1230 | Credits: 79.88)

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