Paying $176/month in interest - how do I lower that number?

[RossMAN]

Originally posted by: Skoorb

OMG Rossman. Whenever I needed financial advice, you were the man. You were my financial idol but wow. I didn't know you were in that kind of situation

No! You want credit advice rossman is the guy. You want financial advice and I'd point you to vi_edit.

In regards, notfred, to getting your credit score do what rossman got me to do which is go to equifax and signup for the 30 day thing. It's $70 for a year but if you cancel within the 30 days it gets cancelled. This will tell you your credit history and FICO score and all the good stuff. I did it a few days ago and a couple guys at work followed suit.

ROTFLMAO Sad but true. If you want financial advice esp on how to save or invest, DO NOT TALK TO ME !!! I'll just make you spend more money, digging an even bigger ditch.

If you don't mind spending a few bucks ($12.95 I think) I'd get my FICO credit score from myfico.com

 

[Hoeboy]

someone posted a site in another thread to get your FICO score for free. u don't have to sign up for any kinda crap and cancel it. but all it shows is your FICO score and nothing else. i forgot the link so if someone knows what i'm talking about, can you kindly post it?

 

[StageLeft]

that was eloan It gave me a 715 on mine vs. 691 on equifax. I'd go with the equifax score personally

 

[bugsysiegel]

try giving them a call and asking them to lower it. If you tell them you will switch to another company with lower rates and transfer your balance, they may be willing to play ball and lower your rate. sometimes it takes a couple calls over a course of several months to get it back to where it started at, but usually, they would rather make 10-11% off you than nothing at all.

Good luck.

 

[Zebo]

Most banks and credit unions offer sinature loans which is prtty low right now. I falso forget the exact % but it was lower than 10% last time I recieved my statement.

 

[RossMAN]

Originally posted by: Skoorb
that was eloan It gave me a 715 on mine vs. 691 on equifax. I'd go with the equifax score personally

Same here. I'd trust Equifax, Experian or TransUnion (the big 3 credit bureau's) before trusting eloan.com's score (which in my personal experience hasn't been that accurate).

Sign up for Equifax, get your score and a copy of your credit history for free then cancel their service within 30 days, no $69.95 charge, pretty easy if you ask me.

 

[Hoeboy]

Originally posted by: RossMAN

Originally posted by: Skoorb
that was eloan It gave me a 715 on mine vs. 691 on equifax. I'd go with the equifax score personally

Same here. I'd trust Equifax, Experian or TransUnion (the big 3 credit bureau's) before trusting eloan.com's score (which in my personal experience hasn't been that accurate).

Sign up for Equifax, get your score and a copy of your credit history for free then cancel their service within 30 days, no $69.95 charge, pretty easy if you ask me.

That's what I was wondering. With Experian/Equifax, I believe I was getting around 750 but with eloan, i got like 700.

 

[RossMAN]

Originally posted by: Hoeboy

Originally posted by: RossMAN

Originally posted by: Skoorb
that was eloan It gave me a 715 on mine vs. 691 on equifax. I'd go with the equifax score personally

Same here. I'd trust Equifax, Experian or TransUnion (the big 3 credit bureau's) before trusting eloan.com's score (which in my personal experience hasn't been that accurate).

Sign up for Equifax, get your score and a copy of your credit history for free then cancel their service within 30 days, no $69.95 charge, pretty easy if you ask me.

That's what I was wondering. With Experian/Equifax, I believe I was getting around 750 but with eloan, i got like 700.

That's weird. I think Skoorbie's experience was similar. With eLoan he scored 715 which is a great score but clearly he knew something was amiss. So he tried going to "the source" Equifax.com and scored 690 which sounds more realistic.

 

[Hoeboy]

Yeah but it's reversed in my case. With Equifax/Experian, I had a higher FICO score when I had a considerable amount of debt and opened accounts. With eloan, after all my debt was paid and with only 2-3 credit cards opened, I had a lower FICO score? Doesn't make sense. Eloan isn't very accurate i guess.