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Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Hi My Name Fused And I Am A FICO Addict! Hi Fused...

Now that I got your attention.  Like some of you, I was very irresponsible with my credit cards back in mid and lates 90's.  I never knew I had credit reports keeping track of my deadbeat self.  Unfortunately, I was not aware of any resources at that time to fix or change all of the baddies on my reports.  Then in December 2005, I came across myfico website and purchased all three reports and was stunned.  My scores were: TU 761, EQ 755, EX 714 with only one active TL, a positive joint auto loan.  All of the crud dropped off.  I had reached the promise land!  From that point on, I strived for perfection.  Pay all of my bills on time. 
 
 Its nice to see so many options and resources made available to help others.  Its even nicer to see so many people offering all of their assistance and experiences with others.  Maybe one day in this utopia we spend sooooo much of our time in called myfico.com, we will all hit 850. 
 
NOT!!!  FICO will say the new highest score is 950!  Darn right I am addicted to improving my FICO scores and creditworthiness as well as helping all of the other addicts
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

Apart from anything else, it can be fun posting here  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
New Contributor
Posts: 117
Registered: ‎04-18-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

Hi Fused,my name is Diamond and I am a "ficoaddict".......Hi Diamond. Smiley Happy
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

I am in recovery:
 
 
 
Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

I see I am, not alone.
I've pulled my credit reports 45 times this year and have multiple credit monitoring accounts. :-)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...



ilovepizza wrote:
I see I am, not alone.
I've pulled my credit reports 45 times this year and have multiple credit monitoring accounts. :-)


only 45?? and you call yourself an addict.
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

45 times is not that bad? Smiley Happy How many times did all of you pull your reports when you first started?
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

I have pulled EX's fako daily for a little more than a year.  Real FICO's about once every 2 months.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...



ilovepizza wrote:
45 times is not that bad? Smiley Happy How many times did all of you pull your reports when you first started?


I have pulled my reports daily for years now.
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
0

Re: Hi My Name Fused And I Am A FICO Addict! Hi Fused...

I can't afford to pull everything too often  Smiley Sad
 
Twice a year max
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

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