Understanding FICO® Scoring

[MarineVietVet]

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Student24 wrote:

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

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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. 

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

[MzIndependent]

please send me your excel sheet to:

Mod cut! Edited to remove personal information. 

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--fused, myfico moderator 

[DD60]

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.

[ColoradoGuy]

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

[BaddebtKing]

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

EQ sucks.

[haulingthescoreup]

Congrats on achieving royalty!

[beamMEup]

I worship your crown......

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

And I do the woot!-woot! dance. 

[BaddebtKing]

Thanks haulingthescoreup and beamMEup!!!

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

[Kiwill]

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. 

[BaddebtKing]

Finally got EQ clean - pulled a 764 today!