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Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

763 Experian Score!

Too bad it's Fako from CreditSesame Smiley Very Happy

 

3.1 AAOA

0% Util

No baddie.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 3,975
Registered: ‎10-02-2012
0

Re: 763 Experian Score!

If you made that 0% UTL to 1% wouldnt that bump you a bit more?


Banking with HSBC
No Credit Cards, No Mortgage, No Auto Loan. Starting Fresh.
Filed Chapter 7 Bankruptcy --/--. Discharged --/--/--
EX FICO ---, EQ FICO ---, TU FICO --- As of --/--/--, Gardening Since 01/01/16
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: 763 Experian Score!


BearsAndTurtlesRtheBest wrote:

If you made that 0% UTL to 1% wouldnt that bump you a bit more?


I'm not sure since it's all fako. To my best knowledge, the Amex CreditSecure is one of the most accurate fako, the score stay the same with 0% or 1% util.

 

All of my reports are frozen to keep Lexie happy Smiley Very Happy, any I cannot open anymore account. I opened 6 this years, and auto loans even know I just paid 2 off.

 

My AAoA was 5.1 and now it is 3.1

 

Since joining this site last year, my FICO that I know of goes from 633 to 750+ in 1 year. What can I say, TY SO MUCH myFICO. Smiley Happy

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 3,975
Registered: ‎10-02-2012
0

Re: 763 Experian Score!

[ Edited ]

Yup myfico is awesome!

EDIT: Congrats on the progress!


Banking with HSBC
No Credit Cards, No Mortgage, No Auto Loan. Starting Fresh.
Filed Chapter 7 Bankruptcy --/--. Discharged --/--/--
EX FICO ---, EQ FICO ---, TU FICO --- As of --/--/--, Gardening Since 01/01/16
Community Leader
Senior Contributor
Posts: 28,796
Registered: ‎02-07-2013
0

Re: 763 Experian Score!

It may be a FAKO but it shows upward bound Smiley Wink

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: 763 Experian Score!

My FAKO score is lower than my FICO. Credit karma has me at 653 TU while my FICO is 747 TU...wth. Lol. Usually the FAKO is higher right?

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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