As RobertEG said FICO is a predictive score I am not sure about the two years. The score evaluates your credit history for both good and bad characteristic(s). I have read FICO has done studies to find out how accurate the score(s). The results are something 99.5% accurate if I remember correctly. I tried at one time to find articles about the studies on the internet and was unable to.. Because of their accuracy you see their score products used widely through out the lending industry. Many of the posts and articles shows the characteristic(s) the score model likes and does not like.
FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal
