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OK sorry guys, but thanks for the time to read this. I wanna apply for a Mortgage Loan soon Im just affraid of my score on Experian because I dont know it.. Anyway here is my Question.. Now my EQ FICO Score is 652, my CR have one collection and two Revolving Account (1 is a month ago and the other is 4 years old). Experian and Equifax are both the same CR.. Will my EX Fico score would around be in 650 area or what? last time I check back in March it was pretty much the same CR but the EX score was higher than EQ. Now please help me. Respond anyone that can help me out, so I wont stressing over it or go nuts here.. thanks guys
YMMV obviously. My EX, when we could pull EX FICO, was always slightly higher than EQ or TU. However, EX responded more negatively with baddie changes, additions, etc.
ETA....I have slow typer syndrome.
Thanks hauling and llecs for the respond. Well back in March I applied for mortgage loan and thats how I found out that my EX Fico score was. It was funny that my EX was higher than EQ. Well as long as my EX Fico score is not below 620.. I really need that VA Loan, and Im done with apartment... Ohh yeah I did that "Score Estimator" it says 620-670.. How accurate is the Score Estimator? thanks guys for the respond...
EQ - 652
TU - 552 (Hating it)
EX - (It's a mystery)
haulingthescoreup wrote:
On your FICO EQ and FICO TU score reports, what are the negative (and positive) comments on screen 2? They are listed with the most influential factor on top, and then in order of decreasing score impact. If "high revolving credit utilization" is listed first or second, you might see a significant change from playing the game, if you have time for all your accounts to cycle through.
Oh no... I sure was hoping that if I decreased my utilization from over 40% to 9% (which is what I've done) it would give me some better scores. I'm currently at 616 for TU. However, if what you are stating here with regards to screen 2 and what's on top, it's my Payment History I had a late 7 months ago and again back in 2004. My Utilization is at the bottom of the scale thing. Oh my... I want a house!