Something interesting I found. When I was denied for the amex bce a month and change ago, they said my ex fico was 645 as of december last year. A couple weeks ago, I disputed the only two items on my report that still hurt me, 300 bucks owed to verizon, and 1k owed to applied bank. The applied bank is still pending, but the verizon came with an updated status, which was instead of falling off my report in 2016, it'll come off a year earlier in 2015. The applied bank as of now falls off next year. Anyway, my plus score jumped from 634 to 676 when the status of the verizon updated. My question to you all is do we know any way of being able to roughly derive what our actual fico score is off of our plus score ???
@Jayb5635 wrote:Something interesting I found. When I was denied for the amex bce a month and change ago, they said my ex fico was 645 as of december last year. A couple weeks ago, I disputed the only two items on my report that still hurt me, 300 bucks owed to verizon, and 1k owed to applied bank. The applied bank is still pending, but the verizon came with an updated status, which was instead of falling off my report in 2016, it'll come off a year earlier in 2015. The applied bank as of now falls off next year. Anyway, my plus score jumped from 634 to 676 when the status of the verizon updated. My question to you all is do we know any way of being able to roughly derive what our actual fico score is off of our plus score ???
Not really. In most cases they are close but it is definitely YMMV.
