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Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

Very nice you should be proud of your accomplishment...BRAVO

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 933
Registered: ‎06-08-2013
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

Congrats man!

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (2/16) TU: 690 EX: 684 EQ: 690
Goal Score: (7/18) 800+ for all three bureaus

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Gardening until July 2018!

Blogger
Posts: 3,367
Registered: ‎10-19-2012
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

You have yourself to thank as well. Congratulations! Smiley Wink

Moderator Emeritus
Posts: 14,739
Registered: ‎12-30-2011
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

Congrats!  Does the letter say FICO anywhere on it?

 

If yes: likely Bankcard-enhanced (FICO '08 version would be my best guess too)

 

If no: then some wonky internal or secondary score type.  I didn't really look at the ranges carefully to see if it was absolutely jacked or not Smiley Happy.

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


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Super Contributor
Posts: 6,224
Registered: ‎02-23-2011
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.


Revelate wrote:

Congrats!  Does the letter say FICO anywhere on it?

 

If yes: likely Bankcard-enhanced (FICO '08 version would be my best guess too)

 

If no: then some wonky internal or secondary score type.  I didn't really look at the ranges carefully to see if it was absolutely jacked or not Smiley Happy.

 


I've seen some where the range was up to 900 or 950?  

 

As far as I know, Chase is the only one who uses the Vantage score, right?

Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

Congrats!

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Valued Member
Posts: 100
Registered: ‎06-17-2013
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

[ Edited ]

That's interesting - I recently received my score from BoA, and I thought it was a bit off too, only the other way around. Mine was 698, while the lowest FAKO I've ever seen (CreditKarma) has been 703 (which has since gone up to 711). USAA and all the others are 720+.

But hey, they gave me a Visa Signature with my highest credit line yet, so can't really complain. Smiley Happy

BoA Secured $500 (closed) | OneStopPlus $900 | Chase Amazon $4600 (AU) | Amex BCE $6000 |
Chase Freedom $3000 | BoA TravelRewards Signature Visa $5000 | CSP $17 000 | BCP $27 000
Building credit since 04/2011 | CreditKarma 763 | CreditSesame 795 | Gardening since 01/31/2014
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.


Open123 wrote:

Revelate wrote:

Congrats!  Does the letter say FICO anywhere on it?

 

If yes: likely Bankcard-enhanced (FICO '08 version would be my best guess too)

 

If no: then some wonky internal or secondary score type.  I didn't really look at the ranges carefully to see if it was absolutely jacked or not Smiley Happy.

 


I've seen some where the range was up to 900 or 950?  

 

As far as I know, Chase is the only one who uses the Vantage score, right?


It's 300 to 850.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Super Contributor
Posts: 9,668
Registered: ‎01-28-2010
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.


armbenderc wrote:

I've seen some where the range was up to 900 or 950?  

 

As far as I know, Chase is the only one who uses the Vantage score, right?


Chase uses Vantage score for some people and products some of the time, not consistently though.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Moderator Emeritus
Posts: 14,739
Registered: ‎12-30-2011
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Re: I am dreaming. I Can't never imagine. Thank You myFICO.

[ Edited ]

pizzadude wrote:

armbenderc wrote:

I've seen some where the range was up to 900 or 950?  

 

As far as I know, Chase is the only one who uses the Vantage score, right?


Chase uses Vantage score for some people and products some of the time, not consistently though.

Yeah, Chase uses a mix of FICO, Vantage, and internal.  I know the internal is cheapest (no third party costs), presumably from most to least expensive it goes FICO > Vantage > Internal.

 

I couldn't possibly predict which is which, I know they used an internal one for me on my baby Freedom.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


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