How do my FICOs stack up?

[PBXBear]

Filed August 2005. Discharged March 2006. ~$98K, mostly credit card debt.

Americredit Car Loan: $23K - 60 months, open since April - never late, positive reporting on 2 of 3 credit agencies.

Orchard Bank/HSBC: $300 - open since April - pay off every month. Positive reporting on 2 of 3 credit agencies.

Applied for Target card last night - website responded that I was approved. Not sure if it's the Visa or Charge Card.

Applied for Hooters card today.

Not applying for ANYTHING else for a while.

TU: 622
Experian: 589
Equifax: 605

Not sure why the numbers are so different.

Curious to know if I'm lower where I should be, on target, or a head of the game?

[FilingOnMyOwn]

You're lookin good so far, keep it up.

[Viper]

What rate is your car loan with AmeriCredt? I also have an auto loan with them and was able to refi with capital one after only 2 payments. Dropped my rate by 3% saving me alomst $40 a month.


-Viper

[tinroofrusted]

What rate is your car loan with AmeriCredt? I also have an auto loan with them and was able to refi with capital one after only 2 payments. Dropped my rate by 3% saving me alomst $40 a month.


-Viper

Interesting question!

I had Americredit until this month, and refied, and saved myself 5% and $80 a month in payments....

[PBXBear]

I'm paying 16.8% - payments are like $520/month. I was advised to wait at least a year before refinancing??

[PBXBear]

Ugh... Scores took a dip.

After I applied for Hooters and Target - my scores took a pretty big dip...

TU: 616 / EXP: 589 / EQ: 594

[Viper]

My scores as of 9/7/06 are tu: 633 - ex: 583 - eq: 580

I applied for cap1 blank check in mid July and was approved for $33K @ 13.75%. The dealer thought he could do better and get me approved around 10-11% at a local bank but i was denied. He did get me the americredit loan $26K+ @ 13.25%. I tried to refi w/ cap 1 after 1 month and was approved for 14.95%, seemed odd that it went up that much so I pulled my 3 CR's and sure enough a CA just listed a new entry from one of my debts that was discharged. I disputed it and it was removed from all 3 within a month. I applied again with cap1 and was approved for 10.95%. I'll most likely have to make a 3rd payment to americredit, unless cap1 moves really quickly with the refi.

I also was approved for cap1 MC unsecured w/ a $19 annual fee, $300 limit raised to $500 in first 3 months (got this card in January, after 341 but before discharge). I got Hooters MC no fee, $1250 limit (got this card in April). You can see my BK7 timeline below.


- Viper