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credit score went up :)

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PostPosted: Wed Aug 22, 2007 10:41 am Subject: credit score went up :)

I was about to switch insurance companies and my agent said he could give me a better deal because when he ran a new credit check he said our score went up Smile So i checked it out and I am thinking that because some of our old collections (that were paid) dropped off our report and now with the mortage and some other loans being paid on time. Thats what made it go up Smile I was wondering why we were getting credit card offers in the mail again. Still don't want one though, at least not yet anyway.

Doing a happy dance right now Smile lol

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PostPosted: Wed Aug 22, 2007 10:45 am Subject:

Very Happy Congrats and yes a mortgage paid on time is a major boost in score.
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http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com/forums/about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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PostPosted: Wed Aug 22, 2007 11:25 am Subject:

Congrats!! That's terrific news!! Keep doing your happy dance, it'll only get better! Very Happy
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PostPosted: Wed Aug 22, 2007 11:48 am Subject:

Congrats on your good scores. Don't open a new credit account at this stage because there won't be long credit history in it. Try to keep your old accounts in good shape with good payments. This will boost up your scores even more.
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PostPosted: Wed Aug 22, 2007 11:50 am Subject:

That is awesome! I can't wait until mine starts to go up. Way to go! Smile
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PostPosted: Mon Sep 10, 2007 5:15 am Subject:

How long after they tank do they take to start rising again?
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PostPosted: Tue Sep 18, 2007 4:47 pm Subject:

Hey puddlejmpr,

what difference did that made in your premium?

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PostPosted: Tue Sep 18, 2007 9:27 pm Subject:

I saved over $350 Shocked But now I have to add an extra driver Confused My daughter. So now it will go up. But they said because of her grades it shouldn't be much.
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PostPosted: Tue Sep 18, 2007 11:35 pm Subject:

Yea for you!! That's a relief,huh?

When I added my son, it was pretty high, but is for boys. In our policy, if you maintain a certain grade point, take drivers ed, and something else- can't remember- it helps with the premium.

Keep us the fight and continue on with the happpy dance!!..Karen Very Happy

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PostPosted: Wed Sep 19, 2007 5:43 am Subject:

$350 is not bad at all.

I am receiving a good discount by Geico because of my 3.8 GPA in college. They also will lower your premium by 10% if you take the "accident prevention" course. It is good for three years Very Happy

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