Innovis ... View more

I think I remember him ... View more

I also pretty much agree with what SouthJamaica said. On the other hand, I'm one of the 800+ clubbers who makes sure my scores are as high as possible without wasting money. I have learned enough to ensure that happens. The newer FICO models make it a bit more challenging, tho. ... View more

I finally have my FICO 08 score from Amex. It's dated July 18th. I guess an updated score should be coming soon.   I have three free FICO scores:   EQ: CITI EX: Amex TU: Barclay   I'm very happy!     ... View more

I've been an Amex cardholder since 1988. I have the Platinum, BCP and Clear (older) cards, and I don't have the free EX FICO Score yet. I do get free scores from CITI (EQ) and Barclay (TU). Just waiting for Amex to give me EX so I'll have all three for FREE. ... View more

@Anonymous wrote: I was added as an authorized user to an American Express BCE card yesterday 7/29. Does anyone know when Amex will start reporting the new AU account? does it take a few days, weeks, month? And yes I know about Amex not backdating, i'm not too worried about it as it shouldn't affect me too much since I'm only 4 months in to rebuilding.   Hopefully it is as fast as Barclay, which started reporting my AU the next business day.  My Barclay Ring Card reported within 7-10 days after I was approved. My wife is an AU on my Amex BCP and it took about 6 weeks from the time I made her an AU on the account to show on her reports. EX was first, followed by EQ and TU. ... View more

For the longest time, Experian was always the first CRA to report any changes on my reports. Lately, I've noticed EX has been behind the other two (Equifax and TransUnion) in reporting new balances. Not sure why tho. ... View more

@gdale6 wrote: Fantastic Fico scores, congrats to your wife  :) Thanks!   Congrats on the promotion! I just noticed. lol ... View more

@DrZoidberg wrote: @fused wrote: @DrZoidberg wrote: That seems like a super low SL for a heavy file and relationship. My wife doesn't have a thick file or a previous relationship with CITI. My file has about 14 TL's, and I've been with CITI for 8 years. She has CL's over 25K, with one over 35K, so she was kind of expecting a bigger SL. By thick, I mean 10+ AAoA with a 21 year history. That is a long term dependable borrower. And this community is sad. I can say the SL is disappointing because it is. No need to try to attack and say otherwise just because it's in line with other approvals.  The phrase "thick file" refers to credit reports with lots of TL's. It doesn't have anything to do with credit history calculations like length of credit history or AAoA. Yes, my wife has a fairly long credit history and a solid AAoA, but she does NOT have a thick file. I never said the SL was all that good, and I never attacked you or anyone else in this thread. I'm not sure how you arrived at that. I simply reported facts, so others can see her numbers and compare. I'm not picking a fight with you or anyone else. Good day!:) ... View more

@DrZoidberg wrote: That seems like a super low SL for a heavy file and relationship. My wife doesn't have a thick file or a previous relationship with CITI. My file has about 14 TL's, and I've been with CITI for 8 years. She has CL's over 25K, with one over 35K, so she was kind of expecting a bigger SL. ... View more

Thanks for all of the "congrats". DW is pretty happy, but a bit disappointed with the SL. ... View more

I used my Barclay Ring MC to purchase FICO scores last night. Today I'll be using my Amex BCP to fill up my SUV. ... View more

I'm still waiting for my Amex EX FICO 8 score. ... View more

@quantumd wrote:    And overall nobody uses FICO 9 I expect that to remain the case for some time to come. It took a long time for CCC's to start using FICO 08. ... View more

Safety Dance was a great song from the early '80s. ... View more

I'm a retired FICO cop. ... View more

My MSD is 1988. I have three CC's with Amex, with the most recent opened last July. I've been a long time subscriber to CreditSecure. When I logged in to my accounts, I have the 2013 version and no FICO score.  ... View more

@-NewGuy- wrote: @Anonymous wrote: I just logged on and I saw it dropped a whole 41 points today! This is after my new credit card I got this month showed it small 8% balance which was paid the day after the statement. What's up with that?  CK has a pretty wacky scoring system, and in my opinion should only be used for checking updates to your CR, when things like inqs post to TransUnion, etc.   ^What he said! ... View more

My FICO 08 scores are about 20-25 points higher than my FAKO scores.   The difference between FAKO scores (non-FICO scores) and FICO score might be big, small, or not much difference at all. Some people have higher FAKO's, while others have higher FICO's. It's not a situation where one shoes fit all. FICO scores are the scores you should concern yourself with, tho. The others are just "educational" and very few lenders use them.     ... View more

I know you haven't posted in some time, but I'm hoping for some good news. Please give us an update. ... View more

My EQ 08 score dropped 6 points for a balance changing from $192 to $176 dollars on my CC with a CL of 40K. I had never seen or heard of this happening with the older FICO formulas. ... View more

I chose to resign for good reasons. I do not have any regrets. I still post at this site. ... View more

Yes, I meant CS at myFICO.   I will continue to have the service until November. After that, I'll purchase scores when I need to. ... View more

@taxi818 wrote: @fused. im very surprised to hear you canceled. now i don't know what to do. a true blue member of myfico says it is garbage. then what are the rest of us to do. :( I didn't say the new services are garbage, I'm just not happy with what I'm paying for. ... View more

@Anonymous wrote: I doubt it though...people come and leave.. That's very true. I guess I'm the exception. ... View more

I logged-in to my Credit Secure account at Amex to check for some updates. All three of my reports show 1 CC reporting a small balance. Before I had two CC's reporting small balances. I thought cool! So, I log-in here to check if there were any new alerts with Identity Ultimate. There weren't. I bit the bullet and purchased the 3-Report View, which I received a 30% discount. All three of myFICO reports show the the same thing as my Credit Secure reports. One CC reporting a small balance. My EQ score went up 4 points, TU went up 7 points and no change to EX.   It's clear to me something is wrong with the 3-Bureau Monitoring and Identity Ultimate. It reminds me of the problems with SW that went on for months years ago. I'm not getting what I paid for. I shouldn't have to purchase a 3-Report View to see changes to my scores and reports when I already have one of the new myFICO credit monitoring services. I called CS and cancelled my subscription. ... View more

@jsucool76 wrote: Simmons?  My vote is Simmons Bank, too. Their app is just ridiculous. ... View more

I received two alerts from EQ.   1. A balance on my 40K CC went down 74%. Balance was $753, now it reports as $192. 2. A second alert on the same CC. "The balance on one of your accounts has decreased by $0."   No score change. ... View more