My Fico score went up by 56 points !!!

**christina33** · 06-28-2006, 11:14 AM

As you know I am in CCCS and after closing all my credit accounts I assumed my score dropped big time. I enrolled in Scorewatch with my Fico last week and my score was 550. Today I got an alert and MBNA changed my late status to pays as agreed and account current. My new score is 611 !!!

Now if J.Crew can only make the same change.

**Mom23boys** · 06-28-2006, 11:34 AM

YEA!! I bet you are on doing the happy dance!!

**homemaker66** · 06-29-2006, 06:38 AM

way to go!

**banana** · 06-29-2006, 01:03 PM

that is great news!

**MOMMYDEAREST** · 06-29-2006, 01:04 PM

way to go........congrats!!!

**kisskiss876** · 07-13-2006, 09:56 AM

Congrats!!!!

**YankeeMom** · 07-13-2006, 01:16 PM

WTG!!!

I keep telling dh about your success trying to nudge him to finally get off his duff and sign up with CCCS. Yes, it's difficult, but it's better than getting more debt (a loan) to pay the debt we already have.

Keep up the great work!

**littlemotherhaywood** · 07-13-2006, 02:15 PM

That is good news. I find it ironic that most people who join cccs end up with late payments that didn't have them before. That was one of my big concerns. If I could secure more income, I would feel okay with the increased payments they offered. At least we would be getting out of debt, right? Hope your score goes up even more.

**YankeeMom** · 07-13-2006, 02:52 PM

Originally Posted by littlemotherhaywood

That is good news. I find it ironic that most people who join cccs end up with late payments that didn't have them before. That was one of my big concerns. If I could secure more income, I would feel okay with the increased payments they offered. At least we would be getting out of debt, right? Hope your score goes up even more.

We asked about this specifically when we went for our appt.
The late payments come from the person in debt not calling their creditors & changing their bills' due dates or from the creditor not recognizing CCCS and not accepting payments from them. CCCS should be able to tell the person up front whether or not their creditor will negotiate with them. But the changing of the bills' due dates so they match the pymt date CCCS has is all up to the debtor.

**LadybugDreams** · 07-13-2006, 03:49 PM

I guess if you are striving to keep a debt score and get it higher...good for you!

I can't wait till my FICO score is 0.

As Dave Ramsey says....a FICO score is an I love debt score.

**Tamerama** · 07-13-2006, 03:53 PM

Congratulations Christina!! That is wonderful!!!

**YankeeMom** · 07-13-2006, 04:50 PM

Originally Posted by LadybugDreams

I guess if you are striving to keep a debt score and get it higher...good for you!

I can't wait till my FICO score is 0.

As Dave Ramsey says....a FICO score is an I love debt score.

I think it's part of the big picture. Going through CCCS, the goal is to have zero credit (at least in terms of credit cards/high interest loans). Since she (along with a lot of us here) already has the credit, the FICO score will only go up until the cards are paid off and the accts closed.

So just maybe, her goal will be a FICO score of zero. But for now, better credit is better than bad credit

**3-boys-4-me** · 07-13-2006, 04:52 PM

What does CCCS stand for? Thanks!

**YankeeMom** · 07-13-2006, 07:38 PM

Originally Posted by 3-boys-4-me

What does CCCS stand for? Thanks!

Consumer
Credit
Counseling
Services

**littlemotherhaywood** · 07-14-2006, 04:42 PM

Originally Posted by YankeeMom

We asked about this specifically when we went for our appt.
The late payments come from the person in debt not calling their creditors & changing their bills' due dates or from the creditor not recognizing CCCS and not accepting payments from them. CCCS should be able to tell the person up front whether or not their creditor will negotiate with them. But the changing of the bills' due dates so they match the pymt date CCCS has is all up to the debtor.

So what happens then if the creditor doesn't agree? Do you just not put them in the program then?