Reply
Moderator
Revelate
Posts: 9,735
Registered: ‎12-30-2011
0

Re: Confused citizen

Discernment: that'd be pretty poor Chase marketing if it didn't report at all, they baldly state that it's for building credit as one of their marketing bites on that site.

 

FWIW, myFico occasionally has issues, and Equifax occassionally has issues.  I'd be really, really surprised if he didn't have that card reporting, and a score generated from it to the point I'd pull either EX or TU in addition to EQ if it wasn't on there.  Chase blanket reports just about everything just like other national lenders, with very few exceptions, and I don't expect those to be made on a student card at all.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

Re: Confused citizen


Revelate wrote:

Discernment: that'd be pretty poor Chase marketing if it didn't report at all, they baldly state that it's for building credit as one of their marketing bites on that site.

 

FWIW, myFico occasionally has issues, and Equifax occassionally has issues.  I'd be really, really surprised if he didn't have that card reporting, and a score generated from it to the point I'd pull either EX or TU in addition to EQ if it wasn't on there.  Chase blanket reports just about everything just like other national lenders, with very few exceptions, and I don't expect those to be made on a student card at all.

 


Yes, I agree with you.  But, I also remember trying to get my own FICO® score from here at myFICO® and not being able to because I did not have a FICO® score -- that was just earlier at the beginning of this year!  So, I can relate from that angle as well. :smileywink: 



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Valued Member
gr33nsuit
Posts: 43
Registered: ‎07-06-2012
0

Re: Confused citizen

Thanks everyone for all your valuable replies. So I sort of understand now, so my fico scores will be generated after a few months of usage with American express and capital one right? Which card is better to use? The Amex green or the capital one cash card, since Amex accumulate points while capital one actually generates cash.
BARCLAY FICO: 782 12/12/14
DISCOVER FICO: 783 12/12/14
Chase Freedom $23,700 |Chase Ink Plus $22,500 |Usbank Cash+ $20,000 | Citi DoubleCash $16,500 |Discover IT $13,500 |SallieMae $12,500 |PenFed Cash Rewards $10,000 |Amex TrueEarnings $10,000 |Citi Forward $8,000 |Quicksilver $4,200 |StateFarm CC $3,000
Start of Gardening 12/13/14
Valued Member
gr33nsuit
Posts: 43
Registered: ‎07-06-2012
0

Re: Confused citizen

So I got my report from experian and my score is 744, anyway I can improve it.
BARCLAY FICO: 782 12/12/14
DISCOVER FICO: 783 12/12/14
Chase Freedom $23,700 |Chase Ink Plus $22,500 |Usbank Cash+ $20,000 | Citi DoubleCash $16,500 |Discover IT $13,500 |SallieMae $12,500 |PenFed Cash Rewards $10,000 |Amex TrueEarnings $10,000 |Citi Forward $8,000 |Quicksilver $4,200 |StateFarm CC $3,000
Start of Gardening 12/13/14
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Confused citizen


gr33nsuit wrote:
So I got my report from experian and my score is 744, anyway I can improve it.

Experian only sells FAKO scores to consumers ~ take a look at the Credit Scoring 101 link in this thread:   http://ficoforums.myfico.com/t5/Credit-Cards/Helpful-threads/td-p/415263

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Confused citizen


gr33nsuit wrote:
Thanks everyone for all your valuable replies. So I sort of understand now, so my fico scores will be generated after a few months of usage with American express and capital one right? Which card is better to use? The Amex green or the capital one cash card, since Amex accumulate points while capital one actually generates cash.

It really doesn't matter ~ I would use whichever card gives you the best rewards for your usage.   Take a look at the MR points website, you might find something that you want to get with MR Points.   If not then just take the cash back.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}