04-03-2013 06:15 PM
I've been a myFICO forum addict for a few weeks now and it has been great feeling like I'm a part of someone else's journey to better credit, mortgage, auto loan, or new credit card. I FINALLY felt like I had made enough progress with the knowledge that I have gotten on here that I wanted to get my actual FICO score. No more FAKOs. When I first checked my scores with Equifax(using their FAKO score) it was bleak. EQ 534 EX 589 TU 557. I even was using CK, QUIZZLE, CREDIT SESAME to try to get some kind of idea of where I was. But there was a glimmer of hope when I checked my FICO Wal-Mart score and it was a 659. Well today, I am happy with the gains that I have made and how much my score and I have grown. My true FICO scores are TU 673 EQ 631 ( a little low but I worked hard to get here.) So I just wanted to share my mini accomplishment so that someone else who may feel bleak about their score can see with a few changes and some great information wonderful things can begin to happen. So, if my scores are trending the way I think they might then my TU score is my middle score and I will soon be shopping for a house. Thanks to everyone for all of your input, opinions, advice, and knowledge. It has been a great help, not just to the OP but to all of us looking to improve.
04-05-2013 03:36 AM
Congrats, it takes time. Remember, "Nothing of any value comes easily."
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