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06-22-2007 11:28 AM
06-22-2007 12:50 PM
Thanks for the advice, my concerns have been alleviated somewhat. I called Orchard and they said that my Experian report came up blank on the date they pulled it! She pulled my TU and I was approved automatically. This doesn't answer why my EX is lower than my other two, or why AMEX added my HELOC to my CCD balances...I was approved for a whopping $500 CL!! I plan on treating all of my CCs of having a 30% CL, so my actual limit is $150...
06-24-2007 04:30 AM
06-24-2007 08:43 AM
renov8r wrote:This doesn't answer why my EX is lower than my other two, or why AMEX added my HELOC to my CCD balances...
06-24-2007 10:43 AM
I had a similar experience with Vantage. My EX FICO was 759 when I pulled EX Vantage and I scored a low "B". WHATEVERS! No question, Vantage scoring is a bit different. Seems there is less emphasis on util and available credit, and possibly more on all balances owed, maybe, this includes installment TLs but I'm not sure.
MercyMe wrote:Hummm .... I received my initial TU report in the mail, a few weeks back, and the score they sent me was my VANTAGE score. I can't tell you what the numerical figure was, as I don't have access to it, right now; but, I do know the letter grade. D. Am I supposed to conclude then that my TU Fico of now 687 is equal to a Vantage score of D? It's all so very discouraging.