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Is this accurate?

Frequent Contributor

Is this accurate?

When I applied for my US Bank Secured CC, I was approved, got the info in the mail an on the back of the letter it had a chart that listed Credit Score: 646 Experian Date: 1/20/2013. Is that my Experian FICO?

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden
Message 1 of 4
3 REPLIES
Epic Contributor
Message 2 of 4
Moderator Emeritus

Re: Is this accurate?

It's a lender pull, so normally this is an actual score vs an educational score.

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 3 of 4
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Frequent Contributor

Re: Is this accurate?

Thanks!Smiley Happy

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden
Message 4 of 4