02-28-2013 06:31 PM
I'm really close! EXP - 744
03-07-2013 09:23 PM - edited 03-07-2013 09:24 PM
After a refi on the mortgage in January, the FICO scores took a bit of a hit. But, thanks to leveraging this site and using the score tracking, I was able to recover rather quickly from the mid 600's. Most of it was settling out from the refi, but, a good portion was also understanding how FICO scores actually worked. This site is invaluable in that regard.
EQ 768, EX 772, TU 789
03-08-2013 08:07 AM
Joined the 800 club...for the first time...EVER!
Was previously in the upper 700s range, with TU (TU98) showing a 779 here. Prior to going in the Garden, got some scores from issuers (as noted in my signature) that are more relevant, since they are newer scoring products. So 2 out of 3 now has me above 800! I have no idea where I am EX-wise, other than what I can get from their site and CS, which puts me in the 750ish range.
03-09-2013 10:31 PM - edited 03-09-2013 10:32 PM
thought it was 750 =/ soon enough
|Current: Discover Fico 682 1/15 Walmart Fico 684 1/15|
Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
03-26-2013 07:56 PM - edited 03-26-2013 07:56 PM
Well one day i will be posting here again but instead of a 512 it will be a 760++ score!!!!
One day at a time... Damn my ignorance got me here... :-(
03-30-2013 05:34 AM
My fico score dropped 13 points since I opened a new credit card about 2 months ago. I was suprised it dropped because the new credit card has a higher limit than any of my other cards.
No other changes have been reported.
Does any one know how long or if it my score will go back up some time soon?
03-30-2013 06:41 AM
Nano - I don't think it really matters how high a credit limit is, if you apply for a new card, your score will drop. If you charge on it, it will probably drop further. It might take a couple of months of usage or not for a credit score to go up again. Keep track of how you use your cards; and limit yourself to minimal charges if at all.
03-30-2013 07:52 AM
I am not sure it counts but I jumped over 800 on EQuifax... my score here shows 789 but I apped for Discover and was approved. The letter in the mail had my EQ score attached, which was 819....
My Experian is 767 according to the Bank of america Approval Letter during the same app spree...
My TU is the only lowball... showing up at walmart as 739...
So to recap
This is with a forecloser at 5.5 years old on all three reports...
03-30-2013 09:09 AM
Sette - I guess strange things happen when you're not looking. Are your scores FICO scores or something else?
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.