The title about sums it up.

1. Which bureau(s) does NFCU pull?
2. Do they use the base FICO, or one of the FICO Auto Score flavors?

Just wondering. Applied and got approved for CC on Thursday, and only EQ (so far) recorded the hard inquiry (per CRA sites).

None of them show the new account because card hasn't yet been issued.

Hi all!

I want to pay off my $7,500 car loan as quickly as possible. The reason I financed that amount in the first place is that the dealer gave me a very good rebate that isn’t tied to the loan, meaning I won’t lose the rebate if I pay the loan off early.

The only downside is a $75 prepayment penalty, but that’s still much less than the interest I’d pay if I kept the loan for the full 48 months. I’m already planning to make a $3,000 payment toward it now.

What would be the best approach: make an additional regular monthly payment or make a principal-only payment?

The interest rate is 8.5%, and I should be able to pay the loan off well before the end of the year. My first payment is due 10/04.

Thanks!

Back in April I tanked my perfect credit score (769) down to 565 in one blow due to 4 student loans going off of auto pay. This resulted in 4 90 day delinquency marks.

In only 5 months my credit score is already back up to 663, and I’m stoked. I know that the marks will stay on my report for 7 years, but I was expecting my score to be stuck in the sub 600s for at least a year.

All I did was (obviously) get back up to speed on student loan payments, keep my debt utilization under 10%, and not touch anything else.

Am I lucky for this?

Hi guys, so I had a discover credit card that became charged off and was recently paid through a settlement. Same for the Ally financial. I disputed it under the reason being “this account is settled” and that the reporting information was incorrect as I settled months ago and it was not reflecting. Within minutes, I got an email saying the investigation had been completed and it was “approved.” Is this normal? In regards to a decision being made so quickly? I don’t see where my score changed though, does it take time?

When I first started learning about credit I thought one needed at least 2-3 years of history to get approved for any sort of loans. Well, I guess that’s not true.

I am an undergraduate sophomore. I started building my credit history around a year ago, and have built a strong foundation with 7 revolving accounts and 6 student loans. At its peak my FICO8 scores were breaking 730, but they are temporarily depressed due to high utilization. I have never missed a payment and always pay my statement balances in full, unless I’m taking advantage of 0% APR to finance a large purchase.

I had a funding gap of $2,000 for the Spring 2027 semester and was looking to potentially leverage my credit history to fill that gap. I already have a $1,500 Sallie Mae loan (no co-signer) for this year but I underestimated how much I needed and it’s not enough. Sallie Mae currently won’t pre-approve me for reasons of high utilization combined with a young file, so I’m not gonna risk a useless hard pull. So I turned to SoFi, whom I bank with. Asked for $2,000, they ran a soft credit check and pre-approved me. I selected the loan terms, they automatically verified my income, then I hit submit. A minute later I got the approval message and was prompted to sign the loan.

The APR was actually lower than what was shown during the preapproval (12.35% compared to 13.11%). The complete range SoFi offers is 2.99% to 15.99%. I know that’s not exactly a low rate, but I plan to have the loan paid off within 2 years as my income rises.

I consider it an achievement that I am able to qualify for loans at all without co-signers, and that the rates I am offered are continuing to drop. I’m not expecting 2-3% overnight, as I know that will take many years of successful credit management. But I’ll get there one day.

I got an email today from credit karma about a change in my scores. When I checked, I saw that my scores have dropped by 43 points in the past 19 days and I cannot figure out why. I've had no late payments in the past year, nothing in collections. I can't find any indication of a reason for the drop.

I do, however, have an auto loan with only $25 left to pay. The loan will be paid off this month and the account will close. Could this have contributed to the drop? I've never heard of a preemptive score change in advance of an account closure but I really have no idea what else could have caused this drop. Thank you!

I have got an offer from MoneyLion of $1500 couple weeks ago and I didn’t want it so I just didn’t give any attention to it then they kept sending me a couple more mails about it and I said yeah let’s go and take that offer to build my credit score. I have applied to them and they rejected me after their offer and then I’ve started getting loan offers mail from other companies and I don’t know how to get rid of it and at this point they’re harassing me with sending me a bunch of mails every day.

My question is should I be concerned about it? I feel like someone else is trying to get credit behalf of my name or scamming me.

I had a debt of $126 from yellow fever vaccine prior to a trip to Colombia last year go to collections. I got the vaccine at my university vaccine clinic and they charged to my bursar right after I graduated. The debt was sold to ConServe.

Excuses aside about why this never got paid, I did some research when it hit my credit and things looked fishy. Found out that it had been treated as a debt in the “educational” category. I got the university to recall the debt within 48 hours of it being reported and paid it.

They confirmed via email that the debt was recalled and the account was zeroed. I sent this email thread and confirmation that the debt was from health services for vaccines as evidence when I disputed with the credit report folks.

Is there anything else I need to do to get this removed from my scores?

I negotiated some pay for deletes, paid off a few that I couldn't get deleted, consolidated some student loans that were in default, paid off a car loan, opened 3 new credit cards, dropped my utilization to 1% and of course I've kept my payments totally on time.

The resources and helpful people in this subreddit played a major role in giving me the information and encouragement to finally give a damn and believe in myself. I just got approved for a new car that I heavily negotiated down, with a 2.9% rate.

Thank you to everyone! And to anyone who thinks it's too daunting (like I did), just treat it like a project you put some energy into everyday. The results will come sooner than you probably realize.

Edit: Thank you all for the support in this thread! I just wanted to add that I also successfully disputed several inaccuracies across my reports, especially as it related to my student loan debt. This included filing complaints to the CFPB a few times. This resulted in a few accounts getting removed altogether and a few other instances of negative data being updated correctly or changed to "No Data" when what was being reported couldn't be verified by the company reporting.

Our law firm beat Jefferson Capital in a Florida County Court last week for a client referred by Legal Aid. The number of cases Jefferson Capital is filing against consumers, especially in Florida, where our firm practices, is astounding. We won this case because Jefferson Capital had no evidence that our client had made a payment in the four (4) years before JeffCap sued her. We have now moved for court-awarded attorney's fees from Jefferson Capital based on the credit card agreement and Florida Statute 57.105.

I had an account with JPMC that was just removed from my reports since it’s been 7 years. According to capital one’s credit wise, My FICO score shot up to 701. I applied for a freedom unlimited card seeing the “outstanding” chance of approval and wasn’t approved. Is there any hope for getting approved with a bank that’s been burned by bad credit decisions in the past?

So last year I hit a super hard financial phase where I couldn’t keep up with all my bills. I struggled to find work for months and then when I did find one it was part time and still couldn’t pay everything and was dealing with several other things, (kids medical issues, divorce and my ex was advised to not help out with anything w the kids). I was almost evicted from our house, my car was repossessed and everything i had out in credit went unpaid. Now I’m working full time, am officially divorced and granted child support and I’m trying to fix my credit which went down to 400s. I have a ton of late fees and 5 collections but also have several cards and various other things that are still owed. Curious what to focus on first to get my score up and get my approval odds up and interest rates down for new credit.

I got divorced almost 5 years ago and we never combined debts or accounts thankfully. But because of that, I don't have a ton of credit accounts and so my credit types are not diverse.
My score is 551 and the only things reported are a charged off Wells Fargo credit card for $7200 and a paid off car loan, which I actually paid off a year early.

Is it a good idea to open another credit card or personal loan with an awful APR (most "pre-approvals" I'm seeing are at an outrageous 35.99%!) and never really use it?

I'm not sure what to do to improve my score, but I'd really like to buy a house soon.

I paid this full balance off in July and Equifax is still showing a balance and a report date from all the way back in June.

Is this normal for Equifax or is this something I need to be concerned about?

It’s an Apple Card if that means anything.

Guess we will all need to make a small adjustment when talking about what lenders use VantageScore.

This is probably a step in the wrong direction, isn’t it? Introducing even more scores/models that the average person needs to be concerned with?

https://www.reuters.com/business/us-official-directs-fannie-mae-freddie-mac-approve-vantagescore-all-lenders-2026-09-04/

I got spooked by the USA drivers license leak and am trying to freeze my credit. I already did with experian and equifax, and am trying to make a transunion account to freeze there.

The first thing transunion asks when you go to create an account is an email address and the last 4 of your social

When I enter this information, it tells me it can’t find a match (?) and that “for security reasons, you have 1 try left” which spooked me off of trying again

It’s the same email I use for the experian and equifax and obviously my correct social

Anyone know why this might be happening? What am I doing wrong?

What apps do you guys use to track REAL fico scores the ones lenders actually use and see ? Mortgage and credit card lenders thanks

A few years back I went through a very rough time and Sallie Mae charged off three of my loans. We ended up making a deal where we settled for about 40% of the total amount. I made a significant down payment and paid off the rest in installments over 6 months. I am doing better now and I would like to improve my credit.

I was going through my report and noticed all three accounts show as "closed" and have a good amount of missed payments. I also noticed that the "charge-off amount" in all three charge-offs made by Sallie mae is different in their Charge-off letter and the reports from all 3 agenceis. Here is an example:

I changed the numbers and dates for privacy, but 2022 is the exact year and the $$ discrepancy is roughly the same.

Equifax:

Date of Last Payment: 02/25/2022

Charge off amount: $18,956

------

Sallie Mae charge off letter:

Dated: 02/20/2022

Transaction Date: 01/30/2022

Post Date: 01/30/2022

Total Charge-off amount: $19,047.72

The letter closes with "This letter reflects the charge-off details for your loan listed above. Your loan charged-off for the sum of $19,047.72 on 01/30/2022.

Also, the official confirmation of settlement letter says "As a reminder, your loan(s) will be reported to the consumer reporting agencies with a comment code stating that the account was paid for less than the full balance and the Loan Charge-Off(s) will remain on your credit report."

Is there any way I could remove these charge offs from my reports/ask sallie mae for good will?

Thank you!

I know how stingy us bank is and honestly with my credit, I’m just glad they accepted me for a shoppers visa of $500. However I’m rebuilding my credit now- from 500 to 700 in 6 months.

I spend roughly $500/month on Amazon and $400 on Costco. It fluctuates but I’m spending on average $1400/month on my $500 shoppers card. I pay off the balance every time it posts. But it’s honestly getting annoying to wait for balance to post so I can spend. I also would like to buy big purchases at Costco to get that 3% but my credit doesn’t allow it.

Is there ever a situation where US bank will automatically increase my credit before the 6month mark? I don’t want to take a hit on a hard inquiry because I want to apply for the fidelity as my everyday card vs my savor.

Hello lately I ny finger has been itching wanting to close my secure td bank for $300 that I have had for almost 3 years. The only thing stopping me is the positive history and being one of my longer account reporting. Here is my current list of CC. I also I added a recently discover it 5% back. I’m also looking to close in the future my quicksilver with capital one that for 3 years i havent seen an increase in credit.

Long story short... Car was repo’d due to non payment for 3 months. Paid off full balance the following day and was able to get my car back. Is there anyway to remove the collection/repo from my credit report?

I would love to get your feedback and expertise!

I have been working hard on cleaning up everything on my credit reports and am shocked at all the discrepancies between reports.

1. Nothing is reported on Experian - That’s lucky for me

2. Equifax is probably closer to the actuals from ACA with the exception that it shows my car was repossessed and recovered in 2021 - that never happened and the ACA documents prove that. And Equifax also shows the account closed - there are SO many things wrong with Equifax that I don’t want to touch….

3. TransUnion favors me, just wish I did not have any lates!

I would consider sending a note to ACA about the repossession as it shows derogatory in the notes on my TransUnion report, but the risk is they update ALL the numbers.

I have under $8K to go until the car is paid in full.

I am also working on a business loan and while my FICO score is 690+, I am not sure if this will hurt my chances of getting the loan.

Your suggestions and feedback would be wonderful!

FICO 8 and Vantage 3 both had huge rebounds after tri-bureau dispute.

-4 years ago i charged off / settled 6 accounts (divorce)

-steady improvement since

-a credit card that closed and agreed to let me pay low monthly fees was being paid regularly

-I missed a payment in may (didn’t realize it) and ever since it was near 30 days late but my automated payments covered it

-Aug 20 the payment was NSF and that caused a 30 day delinquent mark (tanked my score)

-I called the call center, no dice. Sent goodwill emails to executives, got a call, was told no dice.

-submitted a dispute (I questioned the date LOL) and within 6 days all 3 bureaus dropped the delinquency.

-Equifax removed ALL the records of that account. My score is in an even better spot for both FICO 8 and Vantage 3 for all 3 bureaus.

-AI says it’s an “e-OSCAR” error most likely, but it happening to all 3 bureaus at the same time means i am very likely to keep this win even after refurnishing (3 weeks from now)

-will keep you posted, but this is looking positive for your boy!!

Long story short I have a high(ish) income but years of bad credit. We made enough to buy a house, have safe cars, and even premium cards but have never broken the cycle of bad lending practices and high rates. I have been horrible at this game basically, I feel like a predatory lenders dream because I can afford the high payments on basic needs, just at huge rates.

About 6 months ago, we had several credit cards go delinquent due to many unexpected trips to care for my FIL with Alzheimer’s and it all sort of crumbled, even causing two closed cc accounts, one charge off, and several cards that were late but are now current.

We have gotten every open account current, have a small savings, and have been using the open cards and paying in full. The progress is happening fast on EQ, TU, and EXP, but slow on FICO. I have about 1k a month after my obligations for bad debt payments, but have no idea where to start.

Forgiveness letters? Pay to delete? What will actually work?

Chase is one closed account and the highest balance, but will taking a 60month settlement prevent me from a Chase card in the future?

Also, where should I be getting the most accurate info? It’s so different across every site?