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Established Contributor
Posts: 712
Registered: ‎06-11-2012
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First Fico Scores.

I'll be getting my first Fico Score in half a month. I'm so anxious to see what I achieved in those long, long, long months of waiting!

 

What was first Fico Scores when you started from scratch with a thin file?

 

 

 

Capital One Secured $600 CL 5 month history - DCU Platinum Visa $1500 CL almost 1 month history


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: First Fico Scores.

Wow...that's a good question.  I honestly can't remember back that far.  It was eons ago but it would be nice to know.

 

Come to think about it, even if I did know, the scoring models have changed so much from almost 20 plus years ago that it wouldn't be an even comparison.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
Posts: 468
Registered: ‎10-29-2012
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Re: First Fico Scores.

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 

Bank of America: Cash Rewards.-1,500. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2.5k. 10/27/12 (Increase 6/1/14, CLI in May of 2015). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: First Fico Scores.

[ Edited ]

bluesnowman wrote:

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 


Shouldn't you have had at least 1 inquiry from the one card you applied for though? I have no negatives, but 6 inqs on TU and under 5 inqs for EQ/EX. Maybe  scores might be a little lower than yours because of the inquiries.

 

I'm gonna wait another 6 month to build history with my DCU Visa first, then ask for a CLI. I'll be at my 1 year mark by that time and I'll probably be approved for prime cards with high limits.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Re: First Fico Scores.


eviLution wrote:

bluesnowman wrote:

When I first pulled my reports at the 6 month mark my score was as followed: EQ: 736 TU: 746. That was because I had no negatives, no inquires, nothing but one card with 6 months of history. Just be patient and your scores will thank you for it. 


Shouldn't you have had at least 1 inquiry from the one card you applied for though? I have no negatives, but 6 inqs on TU and under 5 inqs for EQ/EX. Maybe  scores might be a little lower than yours because of the inquiries.

 

I'm gonna wait another 6 month to build history with my DCU Visa first, then ask for a CLI. I'll be at my 1 year mark by that time and I'll probably be approved for prime cards with high limits.


i started my credit journey a little over 2 years ago. (first card was 10/10) 

i didnt look at my scores but with a year and a half of credit no negs it was around 665. but i had 3 inqs on each report. 

after i paid down my util (at the time it was 80% to 8%) my score jumped to about 730 and then i let the inq pile on. and dropped my aaoa now sitting at 690's

 

now i went from 3 accounts too 10 so yeah. but i went from 3100 in credit to 20k so that also played a factor. 

as long as you always pay(no lates etc) and dont spend what you cant pay 

only apply for what you need not what you want 

you will be golden. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor
Posts: 712
Registered: ‎06-11-2012
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Re: First Fico Scores.

I've always PIF and I keep my utilization at 5-9%. First 3 months I kepted it at 20%, but then I read 1-9% is better to help with your Fico Scores.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
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Re: First Fico Scores.


eviLution wrote:

I've always PIF and I keep my utilization at 5-9%. First 3 months I kepted it at 20%, but then I read 1-9% is better to help with your Fico Scores.


if your not applying for credit or cli utilization really doesnt matter. obviously you dont want to be at 80% for years but your score doesnt remember your balances from 6 months ago.  its really the 2 months before i app i pay it down to 1-9 percent 

 

besides who wants to pay all that interest. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: First Fico Scores.

My.first score ever pulled was a fakos. It was sub 400..... its been a long journey since then!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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