07-10-2007 09:54 AM
07-10-2007 10:23 AM
07-10-2007 11:16 AM
It has been confirmed by FICO that sub-prime and prime CCs are weighted equally, one is not scored better than the other. This policy will continue with the new FICO scoring model that takes effect this September.
I see there was recently talk of converting or upgrading AMEX Delta Skymiles to AMEX BLUE CASH. I did that and it worked like a charm--no credit pulled, no new account numbers.
I am wondering--can I upgrade any of my other cards--I have a CITI AMEX AAdvantage card, an Orchard Bank Card and a Capital One card.
It worked with AMEX, maybe it'll work with others? Also while we're on that subject, can someone explain how having a prime credit card on a report is more helpful to your FICO then having a subprime card?
07-10-2007 11:50 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.