- Green Member
- Posts: 4
- Joined: Sat Feb 02, 2013 11:23 pm
- Location: USA
So more updates:
as of today:
myFico.com score - 730 (Equifax)
credit karma- 701 (TU)
credit sesame- 744 (Experian)
Fixed the fraudulent cc w/ a 30 day late payment on my Experian report....AMEX gave me score of 642 ....still pending investigation b/w Experian and Wells Fargo but my score shows 744 on credit sesame today, I have no clue how that happened before the investigation was completed? Dispute was still pending when I called EXP today.
My very first credit card ever,the secured Wells Fargo (400 CL), reports for the first time in a couple days on 2/20 (I left 1% of the balance hanging to show some utilization, but I paid the balance down from around 50% utilization via mid-month payment to get it down to 1% ($4 down from $200-ish) for when WF reports to the bureaus on 2/20.
current Credit Report summary:
WF secured (CL 400) opened 01/13
Law school loan ($20k) opened 08/12
Car loan (paid in full by 07')
Undergrad College student loan (paid in full by in 09')
I really want the AMEX so I see 2 options: Apply for Discover IT and re-apply later OR .....just ride it out for a month or so with secured card and reapply for AMEX/ask for reconsideration after explaining that Experian had fraudulent card that needed to be cleared off? Either way, how long should I wait before reapplying?