Reply
Moderator Emeritus
Posts: 10,900
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 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Valued Contributor
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
Posts: 45
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 |Amex TrueEarnings $20,000 |Usbank Cash+ $20,000 | Citi DoubleCash $16,500 |PenFed Cash Rewards $16,000 |Discover IT $14,500 |SallieMae $12,500 |Citi Forward $8,000 |Quicksilver $4,200 |StateFarm CC $4,000
Start of Gardening 12/13/14
Valued Member
Posts: 45
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 |Amex TrueEarnings $20,000 |Usbank Cash+ $20,000 | Citi DoubleCash $16,500 |PenFed Cash Rewards $16,000 |Discover IT $14,500 |SallieMae $12,500 |Citi Forward $8,000 |Quicksilver $4,200 |StateFarm CC $4,000
Start of Gardening 12/13/14
Moderator
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
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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.