Understanding FICO® Scoring

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Valued Contributor
nicholasyud
Posts: 1,600
Registered: ‎08-13-2012

700 score plus

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‎09-14-2012 02:00 PM

Anyone in this forum had a 700 Fico score and up with a baddie on your file ?? 

Charge off ???

Collection and such........and how long you hit that 700 with your score at above 660 ????

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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Valued Contributor
jamesdwi
Posts: 1,113
Registered: ‎09-16-2011

Re: 700 score plus

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‎09-14-2012 02:45 PM

nicholasyud wrote:

Anyone in this forum had a 700 Fico score and up with a baddie on your file ?? 

Charge off ???

Collection and such........and how long you hit that 700 with your score at above 660 ????

I had a 720 Walmart TU fico with 3+ small medical collections 5+ years old, 1 Judgement unpaid 6 years old.  No lates or chargeoffs on any credit tradeline. 

 

 

Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013
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Valued Contributor
nicholasyud
Posts: 1,600
Registered: ‎08-13-2012

Re: 700 score plus

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‎09-14-2012 04:47 PM

When did you get to 700 ???

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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Mega Contributor
LS2982
Posts: 14,507
Registered: ‎04-09-2011

Re: 700 score plus

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‎09-14-2012 04:58 PM

I had 700 EX and 712 TU with a PR reporting and a few lates close to 2 yrs old.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013
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Valued Contributor
nicholasyud
Posts: 1,600
Registered: ‎08-13-2012

Re: 700 score plus

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‎09-14-2012 06:13 PM

what PR report  ?

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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llecs
Posts: 31,518
Registered: ‎08-04-2007

Re: 700 score plus

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‎09-14-2012 08:12 PM

PR = public record (liens, judgmnets, etc.)

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Valued Contributor
nicholasyud
Posts: 1,600
Registered: ‎08-13-2012

Re: 700 score plus

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‎09-14-2012 08:58 PM

thanks llec

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800

Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

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