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Moderator
Posts: 16,020
Registered: ‎07-14-2009
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Re: Interpreting Your FICO Score

 


Student24 wrote:

I'm new here so I'm not quite sure where everything is. Thanks for all your help! :smileyhappy:


I've been here a year (sounds like I was committed?) and I still get lost. Take your time to look around. You'll get your bearings soon enough.  :smileyhappy:

 

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work


Member
Posts: 16
Registered: ‎02-21-2009
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Re: Interpreting Your FICO Score

[ Edited ]

please send me your excel sheet to:

 

Mod cut! Edited to remove personal information. 

 

We are not allowed to post our personal information or that of others in the forums, this includes both mailing and email addresses. Please feel free to use the forum's PM (private messaging) system when sharing personal info.

 

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Starting Score: 690
Current Score: 690
Goal Score: 850


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Established Member
Posts: 25
Registered: ‎03-26-2010
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Re: Interpreting Your FICO Score

I would like to see the spreadsheet.  I just had my score drop six points because I PAID OFF MY MORTGAGE!  Apparently doing so makes me less creditworthy.  I did get an explanatory note along with the notice that my score had dropped.  It pointed out that reducing the level of debt could result in an improvement in one's score, because less debt is better.  I never had much confidence in that, and now I have specific evidence.  At least I have confirmed my misgivings about FICO.

 

 


Starting Score: 813
Current Score: 813
Goal Score: 825


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Member
Posts: 9
Registered: ‎03-06-2010
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Re: Interpreting Your FICO Score

This is awesome. You sir (or ma'am) have nailed it!

New Contributor
Posts: 65
Registered: ‎01-22-2010
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Re: Interpreting Your FICO Score

Finally got TU spotless, from Busboy in Jan '10 to King in Oct '10.

 

EQ sucks.


Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800


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Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: Interpreting Your FICO Score

Congrats on achieving royalty!

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
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Re: Interpreting Your FICO Score

I worship your crown......

 

Okay.  Maybe not worship.  But I definitely high-five it!

 

And I do the woot!-woot! dance.  :smileytongue:

Just puttin' syrup on something, don't make it pancakes.
New Contributor
Posts: 65
Registered: ‎01-22-2010
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Re: Interpreting Your FICO Score

Thanks haulingthescoreup and beamMEup!!!

 

 

Yesterday's score was bumped up to 763, only 12 more till Emperor. :smileyvery-happy:


Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800


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Frequent Contributor
Posts: 328
Registered: ‎09-01-2009
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Re: Interpreting Your FICO Score

[ Edited ]

I finally made it to Govenor but at the least I won't be satisfied until i'm QUEEN!!! 

 

ETA:  My TU reports says i'm QUEEN!!!!  I'm soo excited!  I've been repairing my credit since 2007 and what seemed like lightyears ago, I must say it didn't take long at all compared to how long it took to get myself into this mess. 


Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

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PROUD MEMBER OF THE 700 CLUB!
New Contributor
Posts: 65
Registered: ‎01-22-2010
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Re: Interpreting Your FICO Score

Finally got EQ clean - pulled a 764 today! :smileyvery-happy:


Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800


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