12-09-2007 01:36 PM
12-09-2007 01:38 PM
They are certainly out to get DW and me. Nearly 100 points lower than TU and EQ, although we have a 6.75 year old baddie on EX (paid collection)
ObsessedwithmyFico wrote:EX=692 (I think they are out to get me).
12-09-2007 01:46 PM
12-09-2007 01:47 PM
12-09-2007 01:56 PM
12-09-2007 02:04 PM
12-09-2007 02:06 PM - edited 12-09-2007 02:09 PM
12-09-2007 03:49 PM
Sometimes you never know what might happen when changes occur on your CRs. My guess is you probably will not hit 760 on any of the reports. If it were to happen, I would guess TU would be the one.
Ok guys...So...right now my reports are absolutely identical, but my scores are: TU=734, EQ=738, EX=692 (I think they are out to get me). So last reporting period I had three cards reporting balances. Amex at $32 with a 4100 limit, WAMU with a $34 balance and a $5000 limit, and CITI reporting at approx $2300 with a $4000 limit so reporting at over 50% utilization...I know I know...ugh!!! All balances are now at $0 so my utilization is now at 0%. Can I get to 760 now..at least? And what is with EX anyway....By the way...not a single baddie in sight...
12-10-2007 02:14 PM
I could be wrong, but with some of the crazy things I've been reading lately who really knows. I have read about a judgment less than two years old being deleted and no change in scores, having 80% util on a single credit card and no adverse affects to scores and a 6.75 year old collection falling off of a report with a 56 point gain. The FICO algorithm is juiced!
Dang fused...you hurt my feelings..No 760 for me? I won't sleep tonight.Got a feeling all I can do for my scores now is give it time....thanks for your reply....
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.