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Added Secured CC Saturday- Score bounced up 49 Points??

tag
S7
Established Contributor

Re: Added Secured CC Saturday- Score bounced up 49 Points??

BAHAHAHAHAHAHHAHAHAHAAH!!!!  Smiley LOLSmiley LOL

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 11 of 14
farrenday
Established Member

Re: Added Secured CC Saturday- Score bounced up 49 Points??

So, I need to buy all three FICO scores to get an idea of what I'm looking at? Doesn't that get expensive when it's $19.95 each and when you want to check it every few months?! Sheesh.. I'll be needing a credit card to pay for my scores.. just kidding.

Message 12 of 14
S7
Established Contributor

Re: Added Secured CC Saturday- Score bounced up 49 Points??

LOL! I know right! They def want to make ya pay for the FICO's! And the only FICO that we can get that is spot on, is Equifax! Even the Transunion one here is not the model that the lenders use, I believe. And the Experian, SOL on that one, and that doesn't stand for Statute of Limitations buddy! They're stingy with that, and only lenders can tell you what your EX FICO is.  Booo.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 13 of 14
Shogun
Moderator Emeritus

Re: Added Secured CC Saturday- Score bounced up 49 Points??

One way to do it is to use a free service for FAKOs and pull from here when you really want to know your score.  Here is a thread that covers the CMS>

http://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Monitoring-Service-CMS-Guide/td-p/66254...

 

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 14
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