About 2 years ago I had a lot of charge-offs which I have paid completely off with the exception of 2 which I now pay on every month. I have not miss a payment and have not been late on anything in 2 years. I applied for 2 credit cards to try and restablished my credit 1 year ago and got them. Does anyone know what my score may be now?
2006-09-06 12:48:19 · 13 answers · asked by Anonymous in Business & Finance ➔ Credit
In March of 2004 I had a lot of charge offs. My credit score then was only 500. I paid them all off in April of 2004 with the exception of 2 which I pay on every month. I have since applied for 2 credit cards to restablish my credit and got them. I have not been late with anything in 2 years. Does anyone know what my score may be now?
2006-09-06 12:53:12 · update #1
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2006-09-06 12:58:24 · answer #1 · answered by retired_afmil 6 · 1⤊ 0⤋
There is no real way to estimate your score since its all based on your individual factors. You will have to find out for yourself by either going with some of the "free" report places or buying a report. You can get your report free from the credit bureaus but it wont calculate your score so my suggestion is if you cant find one thats truly free than buy a 3 in 1 report from one of the agencies. It shouldnt ever really cost more than 30 bucks. Good Luck!
2006-09-06 19:54:08 · answer #2 · answered by Gazoo 2 · 0⤊ 0⤋
Well i would say around 600. Base on you paying on time over a 24 month period is good cause it gives you history as well as having credit accounts. Are you keeping a low balance on your credit cards. Another thing Those accounts that you paid off that were negative dispute them and they may fall off. You can order your score from all three bureaus however most lenders go by your FICO score.
Good luck
2006-09-06 23:05:58 · answer #3 · answered by Luckys Charm 4 · 0⤊ 0⤋
No one can possibly guess this as FICO scores are comprised of many, many factors.. but my guess is that in 2 years, not much as happened. Go to FICO.com and order a credit report and score and it will end the mystery for you. Better yet, go to SuzeOrman.com and order a FICO "kit" and not only will you get credit scores from all *3* bureaus for about $50, but you get a personalized plan for cleaning up your financial act. It's GREAT because it ends a lot of the mystery!
2006-09-06 21:05:31 · answer #4 · answered by CactusFlower 4 · 0⤊ 0⤋
Your score may not be any different. Those charge offs are still on your report.
Honey, the only way to know for sure is to contact the credit reporting agencies directly. You can get copies of your reports for free. You will have to pay for your score.
The web address for all 3 credit bureaus for credit reports is https://www.annualcreditreport.com/cra/index.jsp
2006-09-06 20:01:16 · answer #5 · answered by #girl 4 · 0⤊ 0⤋
The only place to get your true scores is from myFICO.
Any other score, even from the bureaus themselves are not true scores.
myFICO also has a free score simulator that you can try. If you are honest in your answers you will get an "approximate" score. Keep in mind that the score will also not be a true score.
2006-09-06 20:03:09 · answer #6 · answered by echo 7 · 0⤊ 0⤋
You do realize you can get your credit report free of charge once a year.
Or you can go pay a local area credit bureau to get it and tell you what it is.
2006-09-06 19:50:35 · answer #7 · answered by Biker 6 · 0⤊ 0⤋
Too many determining factors. With the limited information you provided we can not accurately guess.
Visit the websites for Experian, Transunion, and Equifax to buy a credit report.
2006-09-06 19:51:15 · answer #8 · answered by nflhandicapper 5 · 1⤊ 1⤋
Still not great. Probably mid to upper 500's at best. The charge-offs REALLY hurt, and they're still too recent.
2006-09-06 21:42:03 · answer #9 · answered by Anonymous · 0⤊ 0⤋
the only way to get your credit score is to contact one of the three credit burows and get a report
2006-09-06 19:52:55 · answer #10 · answered by glass man 3 · 0⤊ 1⤋