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Valued Member
softballgirl29
Posts: 44
Registered: ‎08-26-2012

FICO Score Power

Just wondering how long after discharge I should wait to pull my additional score power report. I received the initial score power report on 8/2012 but I have an additional one and don't want to pull it too soon but I am curious about changes since I have made really good improvements already :smileyhappy: Any advice?

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 631 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $800, NFCU CL $6000, HH Gregg CL $1500, Care Credit CL $800 Express CL $450, Victoria Secret CL $450, Kohl's CL $300. Cap One Auto Loan $25k
Frequent Contributor
grassfeeder
Posts: 327
Registered: ‎03-01-2012

Re: FICO Score Power


softballgirl29 wrote:

Just wondering how long after discharge I should wait to pull my additional score power report. I received the initial score power report on 8/2012 but I have an additional one and don't want to pull it too soon but I am curious about changes since I have made really good improvements already :smileyhappy: Any advice?


please read this thoroughly - I have a feeling it's going to answer many other questions you'll have along the way as well......

 

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

 

 

5/12- EQ FICO - 508 / TU FICO - 490 / EX FAKO - 550 Ch. 7 BK - 7/12 (discharge 10/12)
6/14 - EQ FICO 674 / 4/14 - TU FICO - 636 / EX FICO - 654

NFCU cashRewards $10,000 - NFCU Flagship Visa $8,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $650
In the garden starting 3/1/14 till ???
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: FICO Score Power


softballgirl29 wrote:

Just wondering how long after discharge I should wait to pull my additional score power report. I received the initial score power report on 8/2012 but I have an additional one and don't want to pull it too soon but I am curious about changes since I have made really good improvements already :smileyhappy: Any advice?


You mentioned "additional score power report" so I take it you are subscribed to ScoreWatch, right? SW will throw out credit alerts like added accounts, increased balances, stati changes, etc. With each alert SW will automatically provide you with a new EQ FICO score. Unfortunately it won't alert you to dropped accounts or dropped balances. If you get any FICO changes, you'll know what's happening with that. If you are expecting items to drop, then you would need to pull from FICO or another source that offers EQ to see which ones fell off. Depends which changes you are looking for.

Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012

Re: FICO Score Power

I'd say wait. Pulling another SW just to see account changes is not worth it IMHO. sign up for a reg credit watch product, free trial for that. Maybe EQ advanatage. I'd use your SW pull for preparing to apply for credit rather than to see improvement. 

 

If you fix the report and go through the motions, the score will come along. My focus has always been fixing the credit report and not the score. Save your pull for something good IMO. 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Valued Member
softballgirl29
Posts: 44
Registered: ‎08-26-2012

Re: FICO Score Power

Thanks everyone for your advice! I was wondering what the difference was between score watch and the extra score power. I am currently signed up with score watch which alerts me when my score changes anyway so I thought maybe the score power did something different. Your explanations have helped greatly. Thanks again!!

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 631 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $800, NFCU CL $6000, HH Gregg CL $1500, Care Credit CL $800 Express CL $450, Victoria Secret CL $450, Kohl's CL $300. Cap One Auto Loan $25k

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