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Starting Score:
Congrats... Put it in the garden and let it grow!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
I guess I'll have to wait and bring my utilization down.
When a lender pulls your credit they have a snapshoot of what your credit looks like for that moment. Lenders purchase these CR's from the CRA's and it is come practice for a lender to keep the CR for 30 days. If you call within the 30 day time period for a CLI they generally will not purchase a new CR they instead will use the latest one for up to 30 days. Any additional CLI requests within the first 30 days are counted as a single CLI. Your next CLI will usually not be allowed for 3 billing statements or more. Of course the downside of a lender using the report for 30 days would be if you have a score increase within the 30 days.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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