01-06-2013 10:12 PM
I'm convinced your income has something to do with your scores. My wife makes more money then i do, and her scores are about 60 points higher then mine. We have the same credit report. exactly same number of inq., same credit cards(we are AU on all of our cards), same limits, and same utilization. Neither of us have a credit dreog anywhere else. Well, we both have the same BK that's over 7 yrs old. The only thing I can think of, is she is the primary and I am the socondary on oyr auto loan, but you couldn't tell that on our credit reports. anyone know of this?
01-07-2013 06:41 AM
Income is not factored into your FICO score. Neither is your age, sex, race, job history, etc.....
Which scores are you looking at ~ are you comparing her FICO score with your FICO score ?
FICO looks at the age of your accounts, are you saying that every account on her and your report has the exact same date opened, credit limit, balance, and payment history ?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO