Checked my fico scores today...
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Checked my fico scores today...
| Thu, 10-13-2005 - 4:53am |
they are still crappy. My bankruptcy was discharged 2 years ago in June and still my scores suck! I had alot of errors on my reports so once those are fixed hopefully they will go up, but I wonder how much that will really matter. I know that I have to pay down my credit cards for sure. I have three that are cut up and I have been working hard to pay those down, but I always pay on time. The other three that I use I pay more than the minimum every month and on time. I know that my debt to credit limit ratio is still too high though. I seriously doubt that my scores will be good enough in 2 years to buy a house. It seems like they will never be good again. Every time I dispute something, it gets changed and then when I check my reports 6 months later; the information is reported wrong again. It seems like its a constant battle.

I can totally relate to you! About 5 years ago I pulled my report for the first time and I got a 46 page report! I almost passed out. I know my creidt sucks because of a lot of hospital bills, but I didn't think it was that bad! Another girl was showing up on my report and she had worse credit than me! What was funny was my maiden name was Flickinger, so I was shocked to find another girl with my same name! She didn't steal my identity because I did a lot of research on her, courtesy of one of my cop friends! She even had restaining orders, which I found out one night when I got pulled over! Any way, 5 years later and my new married last name, she still pops up occasionally. I've always thought it was by ssn only.... but with Experian it's not.... I'm not the only one with problems with them..
Hang in there!
I hope you can get the mistakes cleared up.