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Greensuiter
Posts: 1
Registered: ‎07-06-2012
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Confused citizen

Ive just started off with the credit world. Need help with tips and advices to build a better credit scores. Been using chase student for 3 years with balance of usually $1-2k Using amex green card since June 2012 Using capital one cash card with $1k credit line since June 2012 I just tried ordering my credit scores with myfico and it said equifax doesn't even have my scores. Is freecreditreport.com legit? I just want to know what my scores are and how to improve them. Feel free to drop in your opinions, thanks!
Established Contributor
espnjunkie
Posts: 728
Registered: ‎12-14-2011
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Re: Confused citizen

you can buy your scores from myfico.com right here. Those are real FICO scores

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Confused citizen

Get the Equifax FICO score on this site. That'll give you a pretty good idea of where you are.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Confused citizen

As others have stated, freecreditscore.com sells FAKO scores, which aren't used by any lenders. In order to generate a FICO® score there must be at least one account with 6 months of history reporting. You mentioned that you have used a Chase card ~ do you know if it reports to all 3 CRAs ?
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator
Revelate
Posts: 9,732
Registered: ‎12-30-2011
0

Re: Confused citizen


pizzadude wrote:
As others have stated, freecreditscore.com sells FAKO scores, which aren't used by any lenders. In order to generate a FICO® score there must be at least one account with 6 months of history reporting. You mentioned that you have used a Chase card ~ do you know if it reports to all 3 CRAs ?

It's Chase, how would it not? :smileywink:  

 

OP: Sounds like a temporary snafu, I'd recommend just pulling your report from annualcreditreport.com and see what's on the base report straight from the bureau... if that Chase student card isn't reporting on it, it's worth finding out why as I'd be stunned to the point of cardiac arrest if it wasn't reported by default across Chase's portfolio.    

 

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)


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Momof2Boys
Posts: 17
Registered: ‎07-06-2012
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Re: Confused citizen

+1 Revelate..

 

LOL

Senior Contributor
jsucool76
Posts: 3,803
Registered: ‎12-11-2011
0

Re: Confused citizen

Chase has a student credit card? 

;
Moderator
Revelate
Posts: 9,732
Registered: ‎12-30-2011
0

Re: Confused citizen


jsucool76 wrote:

Chase has a student credit card? 


May not anymore, am guessing it got rolled into the wide range of Freedom underwriting criteria if that's the case.  I looked on their website just now and didn't see it, but that doesn't mean much admittedly.

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)


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Senior Contributor
jsucool76
Posts: 3,803
Registered: ‎12-11-2011
0

Re: Confused citizen

Eh, i think their student card was the Chase+1 which isn't available anymore... D: 

Oh well, Out the window go my hopes and dreams. lol

 

;
Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

Re: Confused citizen


jsucool76 wrote:

Chase has a student credit card? 


Is this the card you have (click here)?   Maybe this one doesn't report like other Chase cards -- I don't know!

 

But, if you could not buy a FICO® score from here at myFICO®, then you do not have a FICO® score yet.  

 

You can probably get your credt "REPORT" from annualcreditreport.com but, you may not have generated a FICO® "score" just yet.  A report and a score are two different things!  It takes 6 months with a credit card (like the one's you got last month) in order to generate a FICO® score. 

 

I wish you the best!

 

 



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
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