05-02-2007 01:49 PM - edited 06-01-2007 11:21 PM
As I have explained in the past collections and deletions have hurt my fico score for EQ but not TU and EX. I hope this is a glitch and EQ will rebound a little more as I continue to play by the rules no lates on anything since last december. All collections and CO are zero paid or transferred. 10 CC all maxed out until 3 weeks ago and only one update has hit my report on all bureaus with 2 now showing on EX and EQ I believe. I'll edit if I am wrong. I am hoping the pay offs will bring my accounts up to if not past at least the 600 level. I will continue to try to get util to all below 10% soon. I am expecting an install loan to hit and who knows what that might do to my credit profile. I am hopeful and anxious since I hadn't realized until this moment that EX alone went up 66 points and TU 84 points! I am curious why EQ is so low when it was originally the highest. I must of lost a lot of hx with the deletions. Any thoughts or comments are always welcomed!!!
Hope to hear from all of you soon!
I decided to add truecredit so that we can also monitor the differences in the scoring models for all you statisticians out there. I'll supply the data and you can interpret
05-02-2007 02:16 PM
05-03-2007 11:42 AM
05-04-2007 12:17 AM
05-05-2007 06:10 AM
05-05-2007 06:23 AM - edited 05-05-2007 06:24 AM
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.