11-04-2012 06:17 PM
Oh ok. I get a free score from myfico on the 22nd of this month. I just really wanted to know my score before hand considering I just had 7 baddies fall off 11/01/12. Also buy purchasing my score now since the baddies fell off it will allow me to see what type of impact the new accts did when I get the free one on the 22nd
11-04-2012 06:34 PM
You should pull your EQ score too and see what that is... myFICO uses the TU98 model which can be off by a bit when it comes to the TU04 that most lenders use or the TU08 that walmart gives.......I have seen that the EQ score from here is almost dead on any other lenders EQ scores...but as always YMMV
11-04-2012 06:38 PM
I didnt purchse EQ because I dont know many lenders in my city that use EQ. I will be in the market to purchase a new SUV around the end of 2013 and 95% of the credit unions here that I have talked to pull TU. So TU is my main concern. I dont know my actual EQ score but I do know I only have one baddie with them and thats the 16k auto loan that falls off 02/2013. So I am going to assume EQ cant be to bad
11-04-2012 06:45 PM
MyFico and EQ direct are always equal for me. The FreeCred... and EX scores vary from 5-10 points again for me.
When I apped for a new AMEX card FCS gave me 726 before apping. The approved AMEX letter gave me 721, and the FCS score after the HP was still 726.
11-04-2012 06:51 PM
Oh I just got approved for the amex green card but they pulled TU for me or atleast they are on my TU report. Maybe they pulled EQ too and when I get the card in the mail if they pulled EQ I will see that score then.
11-04-2012 07:00 PM - edited 11-04-2012 07:14 PM
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