01-25-2008 10:02 AM
01-25-2008 11:44 AM
Madison wrote:When you have reduced your revolving credit utilization, inquiry dropped from 1 to 0, paid off two credit card balances to $0, increased CL on one CC from $2000 to $3000 with balance dropping from $700 to $600 in that period and it shows and changes show up on my FICO report, made all my Dec. Payments on time and paid more than minimum payments. EQ is supposed to be a snapshot of where you stand each day. I know my credit is better today than it was 30 days ago and yet EQ and MyFico says it isn't. I am totally lost. My credit score of 658 hasn't changed since Dec. 22, 2007. I am trying to improve my score to get home mortgage loan and I can't understand why it isn't moving up. Any advice or explanations?
01-25-2008 04:24 PM - edited 01-25-2008 04:36 PM
01-28-2008 11:48 AM - edited 01-28-2008 11:49 AM
Madison wrote:37 days and still no change in FICO score......ridiculous!! That was money well spent with MyFico.
01-30-2008 07:23 PM - edited 01-30-2008 07:28 PM
01-30-2008 08:42 PM
01-30-2008 11:27 PM
01-31-2008 05:54 AM
01-31-2008 06:11 AM
Vic wrote:And yet, any derogatory info seems to be on a warp-speed track to posting! Human nature is slow to reward, quick to punish. Whenever $$ is involved, human nature seems to be displayed at it's most candid. Just my 2 cents worth- Vic
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.