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Contributor
Posts: 116
Registered: ‎06-08-2013
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Amex Fico

So the wife gets a revolver with Amex and the FICO comes because we got the middle tier, I guess.  

 

Key factor that contributed to score:

#1 = number of accounts with delinquency.  

 

So I go pull a fresh experian.  NONE listed!  Unless you consider a 30 day late in 2006 - but I though that only hit FICO scores for 2 years.  

 

Any ideas smart people?!



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Posts: 3,330
Registered: ‎10-19-2012
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Re: Amex Fico

Negative items affect your score for as long as they remain on your credit report. 

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Registered: ‎01-28-2010
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Re: Amex Fico

Moved to understanding FICO scoring.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Posts: 1,072
Registered: ‎02-06-2013
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Re: Amex Fico

   Sounds like you have a really clean credit report and the model had to grasp at straws and split hairs to find anything to be critical of you about. Sometimes when you have a really good score it messes the part of the scoring that provides an analysis of negative and positive contributors to your score. I would take it with a grain of salt to throw in another figure of speech to a response which is already full of them.

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