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....
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO