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Oh myFICO...when do I get to be "Very Good"??

Established Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

It's on the first page of the myFICO report.  "FICO Score Summary" tab.



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Message 11 of 21
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Senior Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

In the yellow, working toward green.  Should be there when I pay down a few balances.  End of summer, perhaps!!!!

Message 12 of 21
Moderator Emeritus

Re: Oh myFICO...when do I get to be "Very Good"??


remethy wrote:

what are the cutoffs for the orange and yellow?  does anyone know?  (yes, embarrassed to say I'm still the red slice of the pie).


Not sure about orange, but yellow (Good) starts at 660.

Message 13 of 21
Valued Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

I'm just happy I'm not red and myfico isn't telling me "girl, you suck" anymore.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 14 of 21
Valued Member

Re: Oh myFICO...when do I get to be "Very Good"??

I feel your angst, so close yet so far.. I was anxiously awaiting a score bump today from paying down util from 11% to 4% and thus snatchng my piece of the Green pie, got the bump (yay!)  in score to 723 so I'm still in the yellow, guess I can't complain though at least it's still going in the right direction.


Starting Score: EQ:630 TU:682 June 2012
Current: EQ:830
Goal: reached
Message 15 of 21
Regular Contributor

Re: Oh myFICO...when do I get to be "Very Good"??


electra wrote:

It's on the first page of the myFICO report.  "FICO Score Summary" tab.


Ah - no wonder I didn't find it.  myFICO report is outdated by about a month and I haven't refreshed the report since I'm waiting for a few updates/scorewatch alerts still.  According to my pie chart, I'm in the orange with my little 636 still from April 11

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Message 16 of 21
New Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

I made it to orange!  Woohoo, I've gone from "bad" to "not good" LOL.


Starting Score: EQ 539
Current Score: EQ 648, TU 617, EXP 623
Goal Score: 700 by 2/2014


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Message 17 of 21
Frequent Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

I'm almost in the yellow. This week TU went from 634 to 654 and EQ went from 620 to 653. I enjoyed the bump but I'm still disappointed that I'm still orange. Maybe next month......
Message 18 of 21
Valued Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

I've been trying to decide when to pull the trigger and pull the second report through SW...I was thinking of waiting until I saw another 9 points, or wait a month or two for that last late to get to the 1-year-from-deletion mark....


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


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Message 19 of 21
Established Contributor

Re: Oh myFICO...when do I get to be "Very Good"??

Well, my lower utilization and higher credit limit got me 0 points AND I just took a hit for inquiries when I apped for CSP and AMEX BCP.  So, now down 7 points from 720 to 713.

 

Wonder what will happen when my new car loan and CSP start reporting.  I'm worried, think it's going to tank my AAoA.  But, I don't have any immediate needs for credit so should be ok. I'll just garden for a while.  (I was approved for the CSP but am still pending review on AMEX...fingers crossed.)



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Message 20 of 21