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Fico Score question

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from500to700
Regular Contributor

Fico Score question

I am in the process in rebuilding my credit and thank you all for all the help, 

 

I have a question since my fico has all 3 scores now every how long it is recommended to check your fico score.

 

I have equifax and experian and transunion membership to monitor but none provide Fico Score , I will buy from here what is the recommended time frame like every month every quarter ?

 

Thank you very much 


Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 1 of 4
3 REPLIES 3
DaBears
Senior Contributor

Re: Fico Score question

You usally want to check every 3 months, everyone has different circumstances to check more often tho. 

 

DaBears!

Message 2 of 4
guiness56
Epic Contributor

Re: Fico Score question

If you monitor your CRs then I would only purchase a score if something significant has happened in reporting.  Like a BK being deleted.

Message 3 of 4
mauve
Valued Contributor

Re: Fico Score question

What is your ultimate goal?

 

What is wrong with your reports?

 

Are you looking to see if / when GWs worked? How your utilization affected your score? What?

 

If you are actively working on your reports, I would recommend a CMS and to not worry about your scores. If you want a ballpark idea, I'd get the Quarterly Monitoring from here, and I'd do an annual subscription.

 

I personally have both SW and TU QM because I want to know every time my score fluctuates...I don't buy reports in between. Now that Experian is available, I'm going to wait for a discount code. You can google for places that collect those codes. There isn't one currently for the Experian report.

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Message 4 of 4
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