Con­tent Type — blog

cat­e­gory — credit repair

HI, this is Stephanie again, I was shar­ing with you in the last blog post that you can rebound from stresses espe­cially when you have gone from a fico score of 800 to 550. Then with my new ati­tude as well as the new FICO rules it has bounced back up to 788! My cousin, Daphanie was diag­nosed wtih a crip­pling ill­ness. She was not able to recover as fast from a major set­back and became very mad and depressed. Sci­en­tist have recently begun to iden­tify an anx­i­ety gene that raises the risk of depres­sion, only in the midst of a very dif­fi­cult life cir­cum­stance like loss of a loved one, you credit score plum­met­ing. This anx­i­ety gene spec­u­lated by sci­en­tist relates to sero­tonin sig­nal­ing to the rest of the body to have mood swings. Sci­en­tist have fig­ured out that folks with ADHD or atten­tion deficit hyper­ac­tiv­ity dis­or­der and peo­ple with anti­so­cial behav­ior have this anx­i­ety gene that stops them from bounc­ing back to life and stays in a state of depres­sion longer than most people.

Before the Sub­prime Melt­down 2006

If you are labeled by FICO as a respon­si­ble credit user, you could see your fico score go up 25 points with the new for­mula. In this credit chaos time when it seems like more and more peo­ple pos­sess this anx­i­ety gene that I talked about above, every sin­gle fico point helps to add to your over­all score. Accord­ing to Pres­i­dent of edu­ca­tional ser­vices of Credit.com, John Ulzheimer said peo­ple who have a fico score rang­ing between

680 to 690

Could see their Fico score bumped up to good and end up qual­i­fy­ing for a bet­ter inter­est rate. Before the new FICO for­mula, a score between 680 — 690 would only be con­sid­ered fair.

How long will it take Exper­ian and Tran­sunion to imple­ment this new formula

I don’t have a crys­tal ball telling you when they will start to adopt this same for­mula as FICO. It could take months, it could take years. Your guess is as good as mine.

Every­one Should Have a Pur­ple Haired Lady

Espe­cially if you think you have this anx­i­ety gene in your DNA. a pur­ple haired lady is a sup­port women who thinks you are fab­u­lous and ter­rific even when youn don’t feel fab­u­lous. This women will instill in you that any­thing is pos­si­ble if you believe in your­self. THe one women who is a ray of sun­shine in your life and show you that life is won­drous adven­ture even in the dark­est night of the soul. If you have not found a pur­ple hair lady and don’t have money to find one, here is one you can tap into right away at youtube. Click this pur­ple hair lady to be your cheer­leader

There has already been over 200 000 peo­ple who is think­ing of her as their pur­ple lady.

hOW Will The New Con­sumer FICO Rules Ben­e­fit You?

• If You Have The Occas­sional Slip Up Within a 10 year period
• When shop­ping around for a loan
• Hav­ing a healthy mix of dif­fer­ent credit will help

Lets talk about this 1 at a time. I don’t know how this will effect most peo­ple, the scene­rio would be, if you have a 10 year record where you credit his­tory is unmarred by late pay­ments. So, if you hap­pen to have a late 90 day pay­ment but you have a clean credit his­tory, you in fact may get a boost in your score a 1 time boost. Isn’t that great it means you won’t have to take a debt relief pill. Please come back in a few days while I go to my Bowen appoint­ment now to calm my nerves. You will hear the rest of the 2 other items above I men­tioned how the new FICO scores will ben­e­fit you.