I have better credit than anyone...* - DiscussWorldIssues - Socio-Economic Religion and Political Uncensored Debate

**Loolasant** · 01-09-2008, 03:13 AM

Okay its like this. I had this credit card with a $200 limit that was charged off back in April of this year at $611. I settled that for $500, and immediately disputed the delinquency of it on my credit report. On 7/30 I got an email from Experian advising me that the investigation of that account was complete. So I ordered a new credit report from Freecreditreport.com and my credit rating has gone up from my previous 521 to... 9002...

I've ordered credit reports on 7/31 and today, still says 9002. When I apply for things, I get an error message that it can't be processed due to technical difficulty. Anyone know how I could maybe fix this? And if anyone needs a picture and wants to sniff it for photoshopping, I can provide that too.

**ViaplyVuple** · 01-09-2008, 03:25 AM

I think experian only goes to 900 or 950. That 9002 is definitely an error.

**Sierabiera** · 02-08-2008, 02:49 PM

I think experian only goes to 900 or 950. That 9002 is definitely an error.

Last I checked credit ratings stopped at 850...

The FICO credit score range is between 300 and 850. Source

**ViaplyVuple** · 02-08-2008, 11:19 PM

From the article you posted:

Last I checked credit ratings stopped at 850...

Might want to check again because the major 3 credit scorers all have slightly different systems. This is why you have different scores with different companies.

**snova** · 02-09-2008, 02:47 AM

why dont you apply for a cc and see if they give you a 5 million line of credit...

**tramdoctorsss** · 04-08-2008, 09:54 PM

Experian credit ratings range from 0-999 - only reason I know this is because yesterday I just got an updated Credit Report and score from them as I was refused a credit card a few weeks ago for no real reason.
Experian currently rate me at 999, so I guess I need to check with Equifax now to see what they have to say about me.

**buchmausar** · 04-08-2008, 09:59 PM

how would I go about checking my credit rating? I have a single credit card - usually paid in full at the due date - no history of Hire Purchase/store credit, etc.

**HilaryNidierer** · 04-08-2008, 10:11 PM

www.myfico.com

That's pretty much the only thing anyone cares about in the world of credit ratings. The scores from the 3 bureaus pretty much mean jack. The only one to concern yourself with is your true FICO score.

**Assentesy** · 04-09-2008, 05:37 AM

how would I go about checking my credit rating? I have a single credit card - usually paid in full at the due date - no history of Hire Purchase/store credit, etc.

"Annualcreditreport.com is the only federally mandated and authorized source for obtaining a free credit report," according to wikipedia. I believe with freecreditreport.com you have you still have to sign up for and pay in order to get the 'free' credit reports.

**mpxricyNimb** · 04-09-2008, 06:32 AM

www.myfico.com

That's pretty much the only thing anyone cares about in the world of credit ratings. The scores from the 3 bureaus pretty much mean jack. The only one to concern yourself with is your true FICO score.

The score from the 3 credit agencies ARE your FICO score, and incidentally the score range is from 150 to 930 on all 3 agencies.

01-09-2008, 03:13 AM	#1
Loolasant Join Date Oct 2005 Posts 443 Senior Member	I have better credit than anyone...* Okay its like this. I had this credit card with a $200 limit that was charged off back in April of this year at $611. I settled that for $500, and immediately disputed the delinquency of it on my credit report. On 7/30 I got an email from Experian advising me that the investigation of that account was complete. So I ordered a new credit report from Freecreditreport.com and my credit rating has gone up from my previous 521 to... 9002... I've ordered credit reports on 7/31 and today, still says 9002. When I apply for things, I get an error message that it can't be processed due to technical difficulty. Anyone know how I could maybe fix this? And if anyone needs a picture and wants to sniff it for photoshopping, I can provide that too. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-09-2008, 03:25 AM	#2
ViaplyVuple Join Date Oct 2005 Posts 419 Senior Member	I think experian only goes to 900 or 950. That 9002 is definitely an error. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-08-2008, 02:49 PM	#3
Sierabiera Join Date Oct 2005 Posts 499 Senior Member	I think experian only goes to 900 or 950. That 9002 is definitely an error. Last I checked credit ratings stopped at 850... The FICO credit score range is between 300 and 850. Source Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-08-2008, 11:19 PM	#4
ViaplyVuple Join Date Oct 2005 Posts 419 Senior Member	From the article you posted: Last I checked credit ratings stopped at 850... Might want to check again because the major 3 credit scorers all have slightly different systems. This is why you have different scores with different companies. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

02-09-2008, 02:47 AM	#5
snova Join Date Oct 2005 Posts 432 Senior Member	why dont you apply for a cc and see if they give you a 5 million line of credit... Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

04-08-2008, 09:54 PM	#6
tramdoctorsss Join Date Oct 2005 Posts 619 Senior Member	Experian credit ratings range from 0-999 - only reason I know this is because yesterday I just got an updated Credit Report and score from them as I was refused a credit card a few weeks ago for no real reason. Experian currently rate me at 999, so I guess I need to check with Equifax now to see what they have to say about me. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

04-08-2008, 09:59 PM	#7
buchmausar Join Date Oct 2005 Posts 548 Senior Member	how would I go about checking my credit rating? I have a single credit card - usually paid in full at the due date - no history of Hire Purchase/store credit, etc. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

04-08-2008, 10:11 PM	#8
HilaryNidierer Join Date Oct 2005 Posts 424 Senior Member	www.myfico.com That's pretty much the only thing anyone cares about in the world of credit ratings. The scores from the 3 bureaus pretty much mean jack. The only one to concern yourself with is your true FICO score. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

04-09-2008, 05:37 AM	#9
Assentesy Join Date Oct 2005 Posts 435 Senior Member	how would I go about checking my credit rating? I have a single credit card - usually paid in full at the due date - no history of Hire Purchase/store credit, etc. "Annualcreditreport.com is the only federally mandated and authorized source for obtaining a free credit report," according to wikipedia. I believe with freecreditreport.com you have you still have to sign up for and pay in order to get the 'free' credit reports. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

04-09-2008, 06:32 AM	#10
mpxricyNimb Join Date Nov 2005 Posts 440 Senior Member	www.myfico.com That's pretty much the only thing anyone cares about in the world of credit ratings. The scores from the 3 bureaus pretty much mean jack. The only one to concern yourself with is your true FICO score. The score from the 3 credit agencies ARE your FICO score, and incidentally the score range is from 150 to 930 on all 3 agencies. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

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