06-09-2013 07:13 PM
06-09-2013 07:16 PM
Ok...I closed my Credit One account last month but still have access to my account data. Checked today just to see if on-line account had been closed yet and it hadn't. What I was most suprised by was my credit score. My May 2013 score was at 680 and my June 2013 score is at 753. From what I've read this score is a FICO score I'm just not sure which one. Trust me I'm not complaining just confused.
In last month the following has occurred:
Closed Credit One account
Closed Target Account
Utilization was at 5% now at 1%
4 App's all approved FNBO AMEX, 2 Chase CC's and an AMEX PRG(even though I don't think the AMEX Inq has hit CR's yet)
No bads fell off because I didn't have any. Any thoughts?
Something significant happened your not seeing.
06-09-2013 07:20 PM
06-09-2013 07:25 PM
Even FICO knows Credit One is bad, thus the increased!
06-09-2013 08:19 PM
I don't think the Credit One score is a true FICO score. My wife has a Credit One card and I can't find where it claims to be a FICO. Just says credit score.
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.