10-04-2012 07:38 AM
Sorry I was unaware of where to post. My utilization has updated down to 3% or $740 total spending. Should I still apply for credit even though my score stayed the same. Thanks for all the responses!
10-04-2012 07:40 AM
Good Idea! It's $20 for each score? (Transunion, Equifax, & Experian) That's expensive! Lol
Did you do the free trial here with the Score Watch? I did and I called to cancel and they offered it to me for 9.95 a month. You cannot get your Experian Fico here. I received mine from an Amex denial ..lol
10-04-2012 07:44 AM
Nice credit cards! I want to get two personal Chase cards... I find Chase and Discover offer the best CS when compared to the rest of my cards. I guess I'll have to pay to get those scores. I just feel wrong paying so much for something...
10-04-2012 10:21 AM
Thread locked to direct others to your post here within Understanding FICO Scoring:
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