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You have 49 FICO credit scores

Valued Contributor

You have 49 FICO credit scores

"The grand total number of credit scores is truly countless -- so while 49 FICO scores seems like a large number, it's really a drop in the bucket," said Ulzheimer. "The good news is that proper credit management transcends all credit risk scores. If you do the right things, you'll have a good score across the board."

 

http://money.cnn.com/2012/08/28/pf/fico-credit-scores/index.html

 

Message 1 of 9
8 REPLIES
Valued Member

Re: You have 49 FICO credit scores

Smiley Indifferent  Thank goodnesss I only have to keep up with three fakos and 3 ficos... I'd go bonkers.

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Message 2 of 9
New Contributor

Re: You have 49 FICO credit scores

49 FICO Scores?  can you say......Multiple Personality Disorder

You can wrap me in your flag, make me say a praise to your creator and make me spend your currency, but remember this, I am a loyal servant to Justice and a Patriot to none. I am free...
Message 3 of 9
Established Contributor

Re: You have 49 FICO credit scores

FWIW -- A some of those scores have very little usage in the real world.

 

Maybe some bank or CU is still using a Beacon (Equifax) 96, for example, but I highly doubt it.

Message 4 of 9
Valued Contributor

Re: You have 49 FICO credit scores

Message 5 of 9
Established Contributor

Re: You have 49 FICO credit scores


my-own-fico wrote:

Yet more ...

 

Your credit score isn't what you think it is

 

http://money.cnn.com/2012/09/25/pf/credit-scores-cfpb/index.html

 


If you read between the lines, it seems that their mostly talking about FAKO scores in this article.

Message 6 of 9
Mega Contributor

Re: You have 49 FICO credit scores


my-own-fico wrote:

"The grand total number of credit scores is truly countless -- so while 49 FICO scores seems like a large number, it's really a drop in the bucket," said Ulzheimer. "The good news is that proper credit management transcends all credit risk scores. If you do the right things, you'll have a good score across the board."

 

http://money.cnn.com/2012/08/28/pf/fico-credit-scores/index.html

 


Wow...49 is alot of scores, and to know there are many more Smiley Surprised

 




EQ FICO 548 3/3/16
Message 7 of 9
Moderator Emeritus

Re: You have 49 FICO credit scores

33 of those are probably EX and you'll never see them!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 9
Moderator

Re: You have 49 FICO credit scores


Shogun wrote:

33 of those are probably EX and you'll never see them!!!


Heh, only 8 of the scores from EX (approximately) have any relevant value in the market place.  It's bad but not quite that extreme Smiley Happy.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 9 of 9