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FICO 8 does score AU accounts. They do ignore collections under $100.
@guiness56 wrote:FICO 8 does score AU accounts. They do ignore collections under $100.
do they score au an lot less than other versions, because i really can't see why my two TU fico scores differ by such an large margin? 110 is an huge difference.
They are scored the same as previous versions as long as they are legitimate accounts. What they don't score is the ones you purchase to have on your account or piggybacking,
How they differentiate between the 2 I guess is confidential.
@guiness56 wrote:They are scored the same as previous versions as long as they are legitimate accounts. What they don't score is the ones you purchase to have on your account or piggybacking,
How they differentiate between the 2 I guess is confidential.
I am guessing Walmart Fico score isn't counting the AU accounts i was added to on my parents accounts? there was an older cap one and amex costco card that i was added to , it seems like they aren't being counted at all. Is there anything i can do to have them added so they are counted?
If they are on your report they should be factored in.
@guiness56 wrote:If they are on your report they should be factored in.
well according to the pull i did with usaa credit check monitoring , it says both accounts are showing up on TU account , but when i pulled my last walmart fico , they are saying that i don't have enough accounts open, but i clearly have at least 5 accounts reporting to TU. I am at an loss what i can do to get my walmart fico up since that is what most cc pull correct?
So, so, SO...
The credit score/monitoring I have with myFICO if for my Equifax score, not Experian. I bought the EX score just now, and it is indeed 595. I'm looking at my two credit reports (EX + EQ) and the EX has two negative things that will fall off in April, whereas the EQ has no negative accounts.
I thought the myFICO score I had purchased originally was for EX >_<
Solution for me: Wait till April and reapply.