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763 Experian Score!

Valued Contributor

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%
5 REPLIES
Senior Contributor

Re: 763 Experian Score!

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

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Valued Contributor

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

Re: 763 Experian Score!

Yup myfico is awesome!

EDIT: Congrats on the progress!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Super Contributor

Re: 763 Experian Score!

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor

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?

As of 2017, rebuilding...