cancel
Showing results for 
Search instead for 
Did you mean: 

EQUIFAX SCORE GOES UP SO SLOW WHY?

tag
Anonymous
Not applicable

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

Yes, lol Transunion makes me smile all the time but Equifax makes me frown I'm busting my butt to raise my score it and it never raises it has been 616 forever

Message 11 of 16
DaveSignal
Valued Contributor

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

Its not equifax.  Its the derogatory account statuses on your equifax report that are slowing the increase when FICO is calculated.  You need to either let these age, offer pay for deletion, send good will requests, or dispute if inaccurate.

 

As far as FAKO scores, my USAA FAKO from EX PLUS is right on (my TU FICO is within 3 points and my EQ FICO is exactly the same - 0 point difference).   My Credit Karma FAKO is awful.  They give me a grade of 'F' for AAoA because I have recently opened a bunch of accounts and calculate my AAoA to be 8 months.  FICO however calculates AAoA of 5+ years.

 

So, for sure, stay away from Credit Karma.  The USAA FAKO works great though.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 12 of 16
Duncanrr
Valued Contributor

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

My USAA FAKOs for TU and EQ are way off. About 50 points lower than my real scores.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 13 of 16
DaveSignal
Valued Contributor

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

ok. nevermind then. 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 14 of 16
Anonymous
Not applicable

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

Thanks Davesignal that was really informative again learned something new. I appreciate the advice

Message 15 of 16
Duncanrr
Valued Contributor

Re: EQUIFAX SCORE GOES UP SO SLOW WHY?

My EX USAA score is probably about right. It's very much YMMV kind of thing.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 16 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.