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improve my credit score

Moderator Emeritus

Re: improve my credit score

Sorry,  that score isn't real.  We call those FAKOS, because they are not your true FICO score.

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 11 of 16
New Visitor

Re: improve my credit score

is there a way to get a true TU score then

Message 12 of 16
New Visitor

Re: improve my credit score

so i got approved for my loan..but is doing this really going to help me since im paying off accounts and one that is closed

Message 13 of 16
Moderator Emeritus

Re: improve my credit score

It's going to help with your utility, and it's going to add a new positive TL.  On the downside, you will take an initial hit from the Inquiry and on your AAoA due to a new account being listed.  These initial hits will fade fairly quickly, it's only a temp thing, but goes positive toward your scores.  Hope that was clear.

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 14 of 16
Moderator Emeritus

Re: improve my credit score

Just saw your other post.  Yes, there are some CUs and others that offer a TU score.  You can get one model here, and another if you have a Walmart credit card.  There are three major ones.  TU98, TU04 and TU08.

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 15 of 16
Highlighted
Established Contributor

Re: improve my credit score


bobbybrooks14 wrote:

so i got approved for my loan..but is doing this really going to help me since im paying off accounts and one that is closed


Your new loan will be an installment loan, no big factor in Fico scoring.  Did they require you to close the paid off cards? 


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Message 16 of 16