Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 293
Registered: ‎01-12-2012

How accurate are my scores on my fico?

I am currently at 622 equifax 669 transunion and around 660 Experian.  Mortgage broker wants to me at 680. I have about 3-4 months before I am going to apply for per approval letter. I have done all the cleaning up I can.  I think equifax is the lowest because there is a paid medical bill that I cannot get deleted.  The only negatives across the Board besides that one on equifax is short sale april 2009 and some late paymentson some accounts. My worst one I will be 12 months out from in January.  Everyone says quickest way to jump my score is pay off my credit cards. In a perfect world I would do that.  My DTI is fine.  Mortgage broker said to concentrateon saving MonEy.  Should I do that or should I try topay down my debt to get the Score jump.  I could probably save 1000.00 a month.  I am going to pay off some small credit cards and that will leave three.  10,000 balance (15,000 limit), 2200 balance (5000 limit), and a 1450 balance (1500 limit), all accounts are closed except the kohls which is the one that is almost maxed.  I am thinking to get the kohls card down atleast 50 percent and then save save save. Advice ? I know the kohls card is probably killing my score.

Equifax my fico 629
Transunion my fico 669
Experian fako 663
New Contributor
Posts: 69
Registered: ‎08-28-2012

Re: How accurate are my scores on my fico?

Well, I'm sure somebody with more knowledge then I will chime in, but I'll throw my opinion in there:


The Kohls is probably your best bet.  One of the things, I've read, that can drag your score down is if a single card is reporting greater then 80%.  From the way I understand it, FICO thinks that it's maxed out and it doesn't like that.  Other then Kohls, paying down your over all util for the score bump would probably be best, if you're looking at a better interest rate.


I'm not sure why a LO would recommend save.  I've always heard that you should never put money in savings if you are paying interest on revoloving debt.  Hopefully, somebody will chime in with more information.  Personally, I still do put a minor amount in savings while I'm paying down my CC Debt.  Like $20-$30/mo.  I only do this for the feel good feeling I get by transferring money from checking to savings and not because I think it's a good idea.

Starting: EQ 590 (LP 8/12) TU 589 (LP 8/12) EX 612 (LP 8/12)
Current: EQ 650(LP 9/12/12) TU 667 (LP 9/12/12) EX 676 (LP 9/12/12)
Goal: 620 (for VA Mortgage)
Goal Reached. Pre-qualified for VA loan, 9/12/12

My Jeep is like my wife. Cleans up nice, but a lot more fun when she's dirty.
Regular Contributor
Posts: 105
Registered: ‎10-31-2010

Re: How accurate are my scores on my fico?

If you really want a jump - pay the Khols card!!!!!  Paying it off will give you the most immediate feedback.  As hard as it is to let that cash go - SEND IT IN!  The joy of watching your score go up is worth it.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011

Re: How accurate are my scores on my fico?

CC40 wrote:

If you really want a jump - pay the Khols card!!!!!  Paying it off will give you the most immediate feedback.  As hard as it is to let that cash go - SEND IT IN!  The joy of watching your score go up is worth it.

+1 Your util is dragging your score down.

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.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.