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04-14-2013 04:01 PM - edited 04-14-2013 05:26 PM
FAKO is a score that is just made up by whoever wants to sell a score and does not affect you as lenders don't use these .
FICO scores ARE used by lenders and are from fair issac corporation (myfico) . That are calculated differently. These are the most typical scores used by the majority of lenders.
04-15-2013 05:39 AM
I have been lurking for the past six months gathering the great information on this site which is the reason why my scores haven risen so much since October. I would like to contribute to this site and set a goal of 750 by the end of the year. gogogo.
04-16-2013 09:53 AM
I started visiting this site about a month ago and I learn something new every day. My goal is to rehab my student loans which are the only negatives I have with the exception of a few old medical bills that I have sent PFD letters for. Would really like to buy a house during the1st quarter of next year.
04-17-2013 05:08 PM
04-18-2013 01:30 PM
Signature line setting is under "my settings" then "personal profile" tab, then down three lines you will see "signature" just paste the html tag there. Best of luck!
04-18-2013 04:07 PM
I'm new to the myFICO forums and figured this would be a good way to grow.
A bit about me:
1) 22, college student
2) montly expenses never exceed $300, I never use more than 20% utilization
3) 1 CC (BofA CashRewards - $900 limit) from 6.5 months ago = first and so far only card
1) Increase credit limit for the CashRewards card - what is a good first increase amount? second? third?
2) Open a Cap1 Cash Rewards or Chase Freedom or other rewards card
Good luck to everyone!
04-20-2013 06:11 AM
I so miss the days when you could get your Experian FICO from this site as well...
04-20-2013 06:18 AM
One of my goals that I started the year out with was the to pay off 1 credit card...As of April, I paid off all 3....
Now I am starting to pay attention to my installment loans since those amounts would be easier to pay off in a full sum. I can definitely pay off 1 and I'm challenging myself to aggressively pay off 2. I don't really think my score is going to improve that much considering the number of installments I have on my account due to student loans but it is progress nonetheless.
04-20-2013 01:31 PM
I have been working since November of 2012 to begin correcting years of youthful financial mistakes. This year I want to increase my FICO score in order to purchase my first home.
04-21-2013 12:28 PM
I've been slowly paying off a boatload of debt for a while, but recently rocketed into another income bracket and started taking out big chunks of old debt.
I started conqering the old debt earlier this year, and I'm now seeing the great results on my score. Everything is paid off now--just waiting for the last few things to get cleared up!
My real goal is to get an the Delta AMEX Platinum Card, given that I travel a lot and book the travel myself. I've already been Delta Gold (god forbid I travel so much I get Platinum) The spend I'd have on that is well worth it, it's like I'm losing miles every time I book travel without it! ><