03-20-2013 05:00 AM
I recently pulled my scores on 3/10/2013 and my TU is 664, and Ex is 660 how many time as year should I pull my Fico?
03-20-2013 06:04 AM
03-20-2013 09:23 AM
It depends on future apps as mentioned, but also would depend on whether or not you want more knowledge on FICO scoring as it pertains to your credit. When I first joined here we could pull all 3 FICO reports (now only two). I pulled all three 4-5 times monthly. I wanted the knowledge and always wanted to know what my score would be like when this baddie fell or that account appeared. Once I wound down repair, then I focused on micromanaging my credit and that involved pulling 2-3 times per month to get a feel of utilization changes, impact from AAoA changes, impact from adding new TLs, etc. so I can get a feel leading up to a mortgage app. Now that we have our home, I tapered off and pulled once a month, then quarterly, now I only pull once per year at best. The quest for information isn't as important as it was leading up to the home purchase or even in repair mode.
I'd caution against comparing a FICO to a FAKO though. Certainly monitor your credit daily/weekly for changes, but ignore the fAKOs. If a FAKO goes up, FICO can go down for the same event. I've documented in here differences of 50-100 points off when comparing a FAKO and FICO on the exact same day. My highest recorded difference was 225 points. Definitely can't be trusted.
03-22-2013 09:41 AM
If you are checking your own score, it doesn't matter. There will be no adverse affect on your score if you check it yourself. I recommend using creditkarma.com it is free and you can check as much as once a day! Not that you would want to... but you could...
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.
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.