Tuesday, August 28, 2007

Hate on me haters!

As everyone in the personal finance circles knows, you have to review your credit report often. I try to look at mine twice a year. Yesterday I got reports from all three agencies and my FICO scores for each of them from myFICO.com (The cost is $47.85, however if you happen to do a Google search you just might find promotional codes that can net you something like 20% off).

I checked my FICO scores for the very first time yesterday. They are listed below.

Equifax: 787
Experian: 797
TransUnion: 805

Shocked. Dumbfounded. Delightful surprise. That's how I would describe my reaction to the scores. I had no idea my scores were that high. This from someone who years ago had over $20K in student loans and just recently had almost $13K in credit card debt. I'm very happy with this! I guess being diligent about paying my bills on time paid off. :)

Other than that, two issues that I'll have to sort out:
  • There was an address on two reports that I never lived at, that I requested a couple years ago to be removed. It was there from a credit fraud attempt. How hard can it be for them to take this off? :::eyeroll:::
  • On one of my reports, one of my student loans is listed as "unrated or bankruptcy." What the...? But with the other two reports it's fine. :::double eyeroll:::
Still, with these issues I'm glad that my FICO scores are fairly strong.
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4 comments:

  1. DimplesAugust 29, 2007 at 2:42 PM

    Very nice. I think those are the best scores I have seen as of yet. I use True Credit to view all three credit scores and reports. I pay $11.27 a month for this. You should try it. That way you can pay $11.27 for all three reports and scores and then cancel your membership after you get your info.

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  2. Amy K.August 30, 2007 at 9:21 AM

    Definitely contest the addresses and the student loan with incorrect status. The addresses should be taken off within 30 days. I'm not sure if the loan would be taken off, or corrected.

    I think I contested my credit reports directly through the annualCreditReport website, and the things that were incorrect were removed within days. In my case, my boyfriend (who is an authorized user on my credit cards, and co-borrower on our mortgage) was listed as my spouse. Not yet! So off he went.

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  3. MEGAugust 30, 2007 at 8:08 PM

    Congrats! Those are certainly fabulous scores. Having all that debt (and handling it well, obviously) was at least good for something! :-)

    By the way, thanks for visiting my blog! I enjoy yours as well and have subscribed. Keep up the good work!

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  4. AnonymousAugust 31, 2007 at 8:48 PM

    I will be so ecstatic when my scores are that high!!! Thanks for checking out my blog, and I will DEFINITELY keep reading yours!!

    ReplyDelete