Disputed Item, delted on single one Credit Bureau, what roughly speaking the other 2?
Question:
I recently have a negative charge-off that I rewarded in full removed from Equifax. I did not dispute this item w/ Trans Union or Experian because I didn't want my mark to go process down by disputing items, so i only contacted Equifax. The compensated charge-off has be deleted from Equifax and in a minute I think it is just fair that TU and Experian remove this derogitory item as okay as I am trying to obtain a mortgage and this is notably affecting my score. Once this get removed, my Equifax score go up over 100 points. If i Dispute this with the other 2 chief bureaus, can the colleciton agency come back and enunciate that they won't delete it from the TU and Experian? Why would they remove it from one bureau and not the other 2, can this happen, or since it is delete from Equifax, the other 2 bureaus have to report matching thing? I don't want to ruin my probability and want to take watchfulness of this matter the best channel possible. Let me know if anyone has any suggestion! Thanks!
Answers:
You have to dispute it near each of them. That's the merely way that it will be dropped bad of them.
Your credit score will NOT shift down by disputing erroneous information. I'm not sure where you hear that but it's totally false.
You need to contact the other 2 and dispute it beside them as well.
There is a difference between erasing a story and fixing a record. If you have a debt, and you pay, the transcription of the debt is not erased. Merely, another entry is made to the effect that you paid. It could be your situation. That said, at hand are circumstances where a history can be erased. One common is the mistaken entry. If you can prove that what the account says is wrong, the bureaus would erase the story.
The mission of the bureaus is to keep information of individuals so bank and others can judge creditworthiness. That is the pretext why they accept latest information when it comes, or why they correct mistakes when pointed out.
If I were you, I would request my credit report from the other bureaus. If the problem exist on their accounts, explain the same point you explained to the Equifax. You paid your debt, the collection agency is duty bound to confirm this when asked. Once the bureaus confirm it, the transcription would be erased/modified. If the problem is not registered, just verbs with your duration. The situation is as if the record be erased.
I have some experience near this i had a small bill taht i compensated back. i asked why individual one credit agency had shown it as man paid. The comp. i compensated said they only hold to report to one credit bureau. Its actually virtuous to dispute items on your credit report if it means accurate info. which will modernize your score as it did beside equifax. my advice hold all reciepts of payments from prehistoric creditors if they dont remove or update your file. certify communication them a copy of the payment and merely send a file that say please update my credit report this debt is remunerated. thats what i did for a few bills i had that companys messed up to notify all 3 bureaus. other get a reciept thats your one and only proof you paid. only mail them proof you remunerated or settled or whatever and they should fix it. it worked for me. correct luck.
What website offer a free 3 bereau credit report?
Question:
Answers:
A recent amendment to the federal Fair Credit Reporting Act requires each of the general consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. But there’s just one online source authorized to do so. That’s annualcreditreport.com. Beware of other sites that may look and sound similar.
The Federal Trade Commission (FTC) advise consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or connect to it from the FTC’s website to avoid being misdirected to other websites that contribute supposedly free reports,but only near the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to manufacture a purchase to receive their free annual credit reports.
The FTC has received complaints from consumers who thought they be ordering their free annual credit report online. Some consumers responded to TV ad, email offers, or simply search online.
This was taken directly past its sell-by date the FTC web site.
Hope it help
Try annualcreditreport.com.
The US Government has mandate that the three major credit bureaus give the service to everyone in the United States once respectively year. The name of this site is www.annualcreditreport.com.
Since it is governing body mandated it requires a together host of hoops to jump through. You do not in fact get your credit score, and it can take 7-10 days to receive the information. All contained by all not awfully consumer friendly. Guess that is what happen when a big company is required to do something they do not want to do.
Here is how I got my Credit Report and Score from adjectives 3 bureaus for free.
I went to http://faqfaq.net/freecreditreport.html... and signed up for their service.
It took close to 3 minutes! They give you 7 Days for Free to try the service.
So I lately canceled the next time after printing out everything I needed.
Easy and Free.
Maybe you can try below website to get the information you obligation. It's about free credit report articles for your second inference.
Personal loan 5,000?
Question:
I need a four thousand dollars to pya stale my credit card debt becuase I am looking ot buy a house in three years and I would not hold gotten rid of my credit car debt by later.
Answers:
I am a lender. Feel free to look at the site and apply for a personal loan at http://www.choicepeerlending.com...
Borrow up to $25,000 and fund in 10 days. Pay rotten your debts and have a one transfer of funds for a 3 year personal loan.
Even if you got a loan you would without question have than nouns also in three years and dislike intensely to say it most predictable would use them credit cards again. Many people do that beside home equity loans and you end up further at the back then up to that time. Better option is to a moment ago pay down the cards.
A loan will cost more than credit cards contained by interest and if you don't have it 100% rewarded off you will own a higher monthly expense than the credit cards would have. That is a huge amount of credit card debt but if you discharge an extra 100 a month that will probably knock it out if not you would individual owe a few dollars that won't stop you from getting a house.
After you get a home your cost will progress way up so unless you are living very well under your ability now it will be frozen not to lose it.
Get another credit card with a low harmonize transfer APR.
Transfer the go together to the new card, you'll wage it off much faster at 3% than at 25%.
But if you do this, cut up adjectives your cards,! or you'll end up even worse rotten than you are now.
If you hold a good profession , you can ask for a loan at Prosper, the ebay for loans. People may help you. More information at http://www.acreditlibrary.com/prosper.ht...
YOU HAVE NO PROBLEM GETTING A LOAN FROM US AT A LOW RATE OF 3% INTEREST RATE steamlender@yahoo.com
Maybe you can try below website to catch the information you need. It's going on for bad credit personal loans articles for your second evaluation.
Has anyone be recredited for the following fradulent charge?
Question:
I just received a fraudulent charge to my visa debit card from dignitary TUNE LIMASSOL CY for the amount of $29.00 I just notice it yesterday pending contained by my online account. It go through today, I copied and pasted it into the G00GLE force out and I was amazed at the numerous similar complaints. I faxed a statement of disputed check card item to my hill and had to unambiguous a new justification.
Answers:
Whoever issued the card can stop payment of it. Just notify them that you are curious the charge. Information on credit cards can be found here http://www.1-800BadCredit.com
Judgment Statute of Limitation?
Question:
Hi, my friend has a taste against her in Colorado. Our kind-hearted is that the Statute of Limitation is 20 years. However, she is now a resident of Wyoming where on earth from our understanding the shortening is 5 years. Which SOL is applicable? Colorado's where the ruling was enter into or Wyoming where she lives presently?
Answers:
There are actually several sets of law that are in play here.
The ingenious judgment is rendered contained by CO where the statute of limitations is 20 years. This remains true regardless of where on earth the debtor lives. However, the creditor is hamstrung on collecting it unless they domesticate the judgment into Wyoming. Once the pronouncement is domesticated into Wyoming, then it become, in essense, a alien judgment surrounded by the state of Wyoming, and Wyoming's SOL goes into effect, in need taking into account the years it be located in Colorado.
Therefore, your friend should not devise that he/she is off the hook on the acumen. Unless the judgment is 20 years and 1 morning old, AND the creditor have failed to renew the sensitivity, the judgment remains valid within CO.
Granted, the judgment cannot be pursued until domesticated into Wyoming. But the creditor have the discretion to do just that inside those 20 years. When they do, the judgment have a new "shelf life" contained by Wyoming, and the creditor has the cleverness to collect on it for 5 years - or more. Remember, these judgments are renewable at the creditors discretion indefinately.
We know. We've collected on judgment well over their innovative statute of limitations!
Please advise your friend to reimburse off their decision as soon as possible. Most judgments accrue interest at 10% per year, and avoiding the shrewdness by moving does not make it run away.
coloardo is 6yrs that someone who filed the judgement have to collect. if in that time they are inept to collect in that 6yrs. it is null and blankness.however. if she pays on it on the last daylight of the 6th year it renews it to 6more years.
It would be Colorado.
And here's the SOL's for Colorado...
Colorado Statutes of Limitation
Domestic and foreign judgments: 6 years and renewable respectively six years. Note: If for child support, maintenance or arrears the verdict (lien) stays in effect for the vivacity the judgment lacking the necessity of renewal every six years.
All contract actions, including personal contracts and appointments under the UCC: 3 years (C.R.S. 13-80-101), except as otherwise provided within 13-80-103.5; All claims under the Uniform Consumer Credit Code, except section 5-5-201(5); All actions to get better, detain or convert goods or chattels, except as otherwise provided surrounded by section 13 -80-103.5.
Liquidated debt and unliquidated determinable amount of money due; Enforcement of instrument securing the pocket money of or evidencing any debt; Action to recover the possession of secured personal property; Arrears of rent: 6 years, (C.R.S. 13-80-103.5)
I will bow to DME's skill on this one..with one point. My source shows Colorado's SOL on judgment as :
Domestic Judgment
District Court-20 (renewable every 20)
County Court-6 (renewable every 6)
Don't know what the difference is between these two courts. Every state has different courts and procedures...where on earth I live we have district and circuit (Small claims is bit of District).
Wyoming is 5 years, but I'm not sure it's renewable. I looked at the statutes and they are confusing. But as DMW points out it doesn't matter.
The United States passed a canon called the Uniform Enforcement of Foreign Judgments Act (see cooperation below). Most of the states have adopt this act, which primarily means a acumen from one state may be enforced in another state. So as long as it stays surrounded by Colorado it will remain active for 20 years. As soon as they want to filch action they simply record a Foreign Judgment with Wyoming and after proceed to collect.
This is why judgments can really be wicked. If you want to play "chicken" with the collection agents it's up to you.but remember that as long as they follow the rules and the law, they in effect own a much bigger car next yours, and you will lose every time.
**When delete an item frm ur credit report, does your gain go up?
Question:
Answers:
Deleting bad items will lift up your score and delete good histories can really hurt your mark. Remember it is both the good history and length of credit that matter. So that is why it is foolish to cancel your oldest credit card until that time a home purchase.
Explain deleting as contained by it has come past its sell-by date, then yes, if you connote paying on one listed as delinquent the no simply has a document saying salaried off, or content
depends on if the item being removed is affecting your credit gain in a positive or unenthusiastic way. if you're removing a revolving credit description because it's been compensated in full, next this will cause your credit chalk up to go up. if you're closing a appropriate standing account that's be open for years minus a balance, it will kind your score drop.
mine did
Absolutely. Mine go up 12-points by removing one false item. If you have your credit ranking with a derogatory remark on your report and hold that remark removed, your credit score will copy if immediately. Be sure and check beside all 3 of the core credit bureaus and make sure the doomed to failure item is removed from each one.
Help! buying a house?
Question:
I don't have flawless credit. LIke I have 512 is my gain. My best friends credit is like 650 to 690. Im trying to procure my credit straight but the house I want isn't going to be for sale for much longer & we necessitate that house. We want to get my best friend to catch the loan & then we wages it just approaching its our house. WHen we get my credit straight & the rack up higher than we're going to procure a loan & buy it, or either refinance it. Can we refinance it surrounded by my name after my ranking is better?
Answers:
This is a very desperate idea, on both counts. Your friend is taking on a great financial risk is anyone liable for this house when you will be living in it. I assume that he will take on the mortgage responsibility, as well as own ownership of the property. If you cannot handle the payments, for some out of the blue reason, you are placing your friend contained by the position of either making the payments FOR you, or selling the house to return with rid of the payments.
On YOUR side, if you do not bear responsibility for the mortgage and own the property, YOU cannot nick advantage of the income rates interest and property tax deduction. Those will belong to your friend, since he owns the property and is responsible for the payments on the mortgage.
You will basically be renting from him for the costs of his monthly payments and property taxes.
Should your friend die unexpectedly, you will hold NOTHING but a pile of receipts for rents paid. His estate will own the house. Even if he bequeathes the house to you within his will, he CANNOT bequeath the mortgage to you. You will be on your own.
I'm pretty sure you can, if not you can newly buy it off of your friend when you find your credit score up
I don't suggest it would actually be refinacing, you would hold to buy it from your friend and get your own loan. Caution, this better be a particularly good friend. It will be his house and the canon will be on his side. If he decides anything beside the house, he can do it.
yes you can.
i wouldnt suggest having your friend capture the house for you. A Loan officer can assist you in getting the house. They will enlighten you what things you need to do to verbs up your credit. Buying a house is treated as a very serious thing and banks dont verbs when you play games like have friends get the loan and stuff resembling that. They wont take you seriously if you suggest such a item.
Yes of course. Once your credit have improved you should get hold of approved by a lender. Although your interest rate will be higher than someone near a 700-750 score. This will increase your monthly costs amount as well. Good luck next to the house.
Hope this Helps!
I don't recommend the friend thing, but if you do wish to do it, make sure your friend puts you on the action immediately after escrow closes. When your credit is better, later just buy it from your friend. Another substitute is to enter in to a lease to own agreement beside your friend. Either way, your playing beside fire and putting your friendship at risk. That's just my two cents.
First, do own a deposit on the house?
Second,has your friend agreed to this plan of your's? If yes,how is the financing to done,as a co-signor or a Co-mortgagor loan. Basically a co-mortgagor is considered stronger than a co-signor loan. When you refinanceshe is rewarded for her share(Unless pre-arranged).and part of settlement should be for her to database a quit-claim deed. Your lender can( & should) explain this to you surrounded by more detail.
I agree with the others that vote this is a bad perception on both counts. This is technically mortgage fraud since you're using a straw buyer. If your credit score is that low, you may not be primed to own a house yet. Work on getting any collections removed from your credit report, lower your credit card debt to around 25% of available credit, and get all payments on the dot and your score will increase significantly. You really simply need a gain of 660 to get solid rates on 2 loans near no MI...and 620 for 1 loan with MI.
Has anyone get loan from richards loan agency surrounded by the UK?
Question:
Me and my parnter are from NZ and apply for a loan on line from Richards Loan Agency within the UK,it required a fee self paid of $200US to his rep within NIGERIA via western union we salaried that got more emails wanting more money within total we have rewarded $1500 NZ and to this date we still dont have loans and lately get excuses when we phone or email we cogitate we might have be scammed we have reported him and are presently wanting people to be aware when approving for loans online dont convey money to anyone you dont know if anyone out there can comfort us with any information it would be great we are out of pocket and at wits failure
Answers:
Anything from Nigeria is a Scam. Anyone that asks for money up front as a guarantee for a loan is a scam.
Sorry to tell you that you probably will never see your loan or the money you already sent again. There is not a unbroken lot you can do except think of it as a unbelievably expensive lesson learned.
You hold been scammed. I contribute free advice every daytime to people similar to you but the problem is you should have asked question before sending the money. Check this site which will explain adjectives the nigerian tricks www.scambusters.co.uk
The police are powerless to intervene and they don't really care as they will read out you were stupid plenty to send money especially by Western Union, to a criminal within Nigeria. Do you not realise the money cannot be traced as it was a change transaction.
Please do not conduct ANY financial transactions online or give confidential details as they also steal identity and sell them. Sorry I cannot be of any sustain.
.
Questions give or take a few Paypal?
Question:
Can you add funds to your Paypal information through credit card or do you have to use your bank account? If not, afterwards why add a credit card to Paypal? I hold my banking report in Paypal but I want to use my credit card to rate for the item or add funds to Paypal. Please explain I am untried at this.
Answers:
Yes, you can add fund from a cc, they may charge someone accepting your funds more if you use a credit card (like charge them 3%).
They want as much info on you as you will agree to them have.
I similar to paypal, but it can get rather scary.
here is a check bubble, to pay beside credit card on your account you do not own to add money,
Please, be massively careful near Paypal, they hijack customer's money so they can day-trade it and put the profit in their own pockets. So they usually use "Money on hold" or "suspicious activities" as an excuse to use their customer's money.
Please check this out, and please mind that they advertise another product. Since I don't know this product and I don't know anyone who does you should distrust it too.
Write your complaint here:
http://www.paypalwarning.com
http://www.paypalsucks.com
Former Paypal member of staff speaks:
http://paidpal.blogdrive.com/
Good luck and please let other's know roughly these obscure practices. Probably a congress entity would be able to relieve.
Hopefuly somebody in the congress will serve the people who are individual affected by this monopoly.
Is it easier if you belong to a credit grouping to grasp approved for a home loan than through a guard??
Question:
Answers:
Most likely self a member of a credit federation would not have alot of added benefits except conceivably points may be lower or fees may be less, but FHA & VA insure loans base only on their guidelines no issue where it is originate from. However, some exception could be made to qualifying guidelines for conventional loans thru a credit confederation perhaps allowing sophisticated debt to income ratios and/or complex loan to value. The below website is from Fanniemae, these guidelines are used internally by lenders and this might be helpful.
if you are a first time home buyer anyone will leap at the chance to approve you. its adjectives about credit and income. credit union are helpful though surrounded by every aspect of financial life. your lately a number at a bank.
Generally it is not easier to gain approved for a mortgage through a credit union. Usually the perk of a credit union are the lower interest rates. Many credit union are a little bit more strict when it comes to lend money out because you are using the shareholders money. With the larger banks you are not using in recent times shareholder money for lending.
It is other good to try and capture approved through your credit union because of the lower rate but you are story there will not own an effect on another bank when it comes to lend.
It sure is...credit unions are an AMAZING financial institution if you belong to a apt one, and they do alot of "portfolio" lending...which medium they underwrite their own loans and keep them...they don't vend them to investors, and that means they product their own decisions.
The rates are also amazing too.
Very, terribly rarely when I be up against a credit union, be I able to rout their rates on an apples-to-apples program without pretty much doing the loan for free.
I would notably recommend anyone to check with their own credit confederation FIRST before shopping elsewhere for a mortagage.
home loans from topmost bank and financial sources get free info here it's serve you hope visit
What do u have need of to clear up a private guard?
Question:
Answers:
Money, lots of it and approval from the state and federal government.
Get a honourable lawyer. No carry a good canon firm.
If you have money, only just open up a check cashing/payday loan place. Less regualtion than a wall.
Anyone know of a great credit card consolidation program effective Lafayette, IN?
Question:
I don't want to get scammed. I basically have some credit card debt that I want to consolidate. Help me please!
Answers:
The website http://www.debteraserzone.com have several articles on how to manage credit cards lacking pinching us too mush. This site is a must visit one.
Find massively useful info and tips on getting and managing credit cards on http://creditcardmanager.credithelperhom...
Does anyone know a style to check your credit win short have to remuneration a charge online?
Question:
Answers:
www.annualcreditreport.com
go straight to respectively website (3 major credit reporting agencies) and you procure 2 free credit checks a year. Companies are - experian (spelling?) transunion - can't remember the third offhand. Only stir thru their website, avoid 3rd parties.
There are various sites that claim to give you your credit mark for free, but they end up charging.
You are entitled to one beyond doubt free, no-strings-attached report per year from www.annualcreditreport.com
Also, if you have be turned down for credit from any kind of lend institution, they will send you a memorandum in which they detail you that you are entitled to a free report to understand why they turned you down.
As the other answer indicates, www.annualcreditreport.com is free and allows you to look at your credit report from Equifax, Experian and Transunion once per year.
But your quiz is about your credit evaluation, not your credit report. You don't get your credit gain as part of the annualcreditreport.com report. There may be other ways of getting this for free, but the individual way I know of is to gain a credit card with Washington Mutual. Their trellis site, www.wamucards.com, gives free access to your credit win, updated monthly.
David G is right, the others are spamers.
If you write to www.equifax.com and others, they must give you a free report every year.
And you MUST ask for mark.
www.freecreditreport.com
Hi,
In short, there is no bearing to get your FICO win without charge.
You can obtain an absolutely free credit report from three credit reporting agencies respectively year (Experian, Transunion, and Equifax). But this simply gives you a summary of olden and existing accounts.
However, FICO scores are calculated from a private company call Fair Issaac. You will need to salary for these. I believe they are $6.95 each.
It definately sucks that in that is information about you out in attendance that you have no control over near an inacurracy rate of 90%, that you need to settle to see, but that's just the approach it goes. However, I is totally worth you time and money to check them out and correct any mistakes.
Sorry- I hope that help though,
Jon
The US Government has mandate that the three major credit bureaus propose the service to everyone in the United States once respectively year. The name of this site is www.annualcreditreport.com.
Since it is elected representatives mandated it requires a complete host of hoops to jump through. You do not in actuality get your credit score, and it can take 7-10 days to receive the information. All contained by all not tremendously consumer friendly. Guess that is what happen when a big company is required to do something they do not want to do.
Here is how I got my Credit Report and Score from adjectives 3 bureaus for free.
I went to http://faqfaq.net/freecreditreport.html... and signed up for their service.
It took approaching 3 minutes! They give you 7 Days for Free to try the service.
So I only just canceled the next daylight after printing out everything I needed.
Easy and Free.
Bankruptcy Question?
Question:
I was lately offered a job position I am really excited to grasp. They sent me my offer epistle in the e-mail and enclosed be a paper to sign stating they would run my credit. On the present letter, it tell me I already have the opening and shows my start date. I'm guessing I have to bring this rag my first day. Does this mingy that I could start working there and they would fire me because I file bankruptcy 2 years ago? I don't want to relate them my financial situation and I'm wondering if I have gotten my hopes up near this job. Am I wasting my time to even assume I should start there?? Any counsel helps me: I be all excited and immediately I'm so sad :-(
Answers:
I enjoy been surrounded by the bankruptcy business for over 20 years. It's pretty standard at the present time for employers to run credit checks when hiring fresh employees and I doubt you will even be question about it. If so, be honest, it is not something you should be ashamed of (you purely pick yourself up, dust yourself off, & hold on going, lesson learned) - if you lie, that go to character & that's what an employer would be most concerned something like. These days, bankruptcy does not transport the stigma it did years ago and you would be very surprised at the number of bankruptcy declared each year and how greatly the numbers are increasing. Also, a remarkably large number of culture have a awfully bad credit rating - and a discouraging credit rating actually presents a greater risk to a prospective lender - have so many debts, you would not be considered financially stable or solvent, and you would not be considered a upright credit risk to meet any further obligation. You are actually better rotten with a collapse, because now you own a clean slate and are debt-free, and are considered a better risk as far as mortal able to bump into new obligation, which is more important to a lender. Also, liquidation can be a more responsible decision and the lone prudent solution when people are overwhelmed & honestly powerless to meet their debts - as masses credit counsellors would advise you, depending on your resources obviously.
Your bankruptcy be 2 years ago. You were given a second unpredictability and a clean slate - it would be your credit history subsequent to the liquidation that would be important & this information would really just be important to any potential lenders. If, since your collapse, you have redeem your credit standing showing a good reimbursement history, that would also be a plus in language of a character appraisal - which is what your prospective employer would probably be interested surrounded by.
But as far as your new employer is concerned, or any employer is concerned, NO, your historic bankruptcy is not grounds for dismissal, not if you own disclosed this information if it is requested. It is just information summit and I really wouldn't concern myself if I were you - your liquidation won't or shouldn't be a great concern of your employer if you are honest. So, go wager on to being excited, be confident, and simply do the best you can. Your excitement and a positive attitude will take you a long, long course. GO GET EM!
I definitely ponder you should still continue as if you get the job. Everyone's situation is different and if your accessible and honest about it and explain how you get in that situation you better stale. They are going to find out anyway. Go for it!
In my experience, industries such as consumer goods companies (ie Proctor and Gamble, Coca Cola, etc), some retailers and bank are sticklers when it comes to refusing to hire population with bygone credit problems. Some industries like grease and gas or industrial manufacturing are one and only concerned if you have a criminal framework.
Also, there are various companies who say that they will check but never do. I would not consent to it go you down. I've instinctively known masses people beside great paying jobs all the same have numerous olden credit issues. Further, your decision to report bankruptcy indicates that you made an attempt to resolve your debt using proper allowed channels as opposing running away from it.
You can submit your issue in the following website and a attorney will contact you within 24hrs. Don't verbs about their charges, Its one and only $1/day. So you are getting what you want in freshly $1. I think this you can afford. Here is the correlation
http://www.usalegalcare.com/bankruptcy.h...
Good luck
If you are piggybacking will you be artificial when they stop it on september 1st?
Question:
Answers:
Yes, not only will it stop reporting but it will be retroactive to where on earth it will rescore anyone who has be added.
somewhat, the main rationale behind it is that i piggyback to find to september 2nd. but what's 1 day among friends?
Starting contained by September, any activity record while you're an 'authorized user' will no longer have any effect on your credit chalk up. So basically, 'piggybacking' will no longer build your credit history.
Here's a article that discusses the change in more detail:
http://www.asapcreditcard.com/blog/credi...
Hope this help. GOOD LUCK!
It will affect your FICO score which Experian uses. Trans Union and Equifax use other scoring models that are not shifting until the spring. Your mid-score will be intact.