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The MyFICO Forums 12 Step Program (For FICOholics)

New Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hi my name is Sean and I am a FICOholic.

Message 81 of 91
Senior Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hi Sean!!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 82 of 91
Super Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Just like a nicotin patch

 

Is there a FICOtin patch for people like me?

 

 

 

 

 




Message 83 of 91
Valued Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)


CS800 wrote:

Just like a nicotin patch

 

Is there a FICOtin patch for people like me?

 

 

 

 

 


I'll be needing one of these as well Smiley Very Happy

 

@ the OP, Great post!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 84 of 91
Highlighted
New Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

And here, I come to this thread hoping for some support to wean myself away from the constant reading of this forum, and the checking of my scores.  Instead I get this!!!

 

Seriously though, great post.

 

Now I just need to get some help with my other problem...my natural tendancy to skip forum 'stickies' and thus miss geat posts like this.

 

Thanks

Message 85 of 91
New Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hi my name is Sam and I am a Ficoholic.  Forums are to addicting. Doesnt help that I have this site as my homepage.


Starting Score: (myFICO pulled) TU 618, EQ 578
Current Score: (myFICO pulled) TU 654, EQ 642
Goal Score: 700+


Take the FICO Fitness Challenge
Message 86 of 91
Frequent Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

I'm one of these guys too!

 

Hey I have a serious question though.  Does anyone know of any stat's on whether or not statisticly if you have say one score with one credit agency i.e. Equifax whether or not the other two are typically higher or lower than that particular one?  I think that would a great new survey or analysis we should conduct?  Can someone set that up?

 

Big Daddy!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Message 87 of 91
Moderator Emeritus

Re: The MyFICO Forums 12 Step Program (For FICOholics)


BigDaddy18 wrote:

I'm one of these guys too!

 

Hey I have a serious question though.  Does anyone know of any stat's on whether or not statisticly if you have say one score with one credit agency i.e. Equifax whether or not the other two are typically higher or lower than that particular one?  I think that would a great new survey or analysis we should conduct?  Can someone set that up?

 

Big Daddy!



It can't be measured with any seriousness. That's because not all 3 reports are alike. They all differ slightly. Most of us have TLs reporting on one and not the others. Inquiries won't match all 3. Also, all 3 CRAs will not be updated at the same time. For most of us, EX is the fastest at updating balances than TU, so naturally the figures would be skewed. And within each TL, moreso for baddies, the reporting can be off, including dates. Finally, all 3 FICOs vary per the formula, so you'll never have matching scores even if 100% precise and exact among all 3.

Message 88 of 91
Frequent Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

That makes sence, thank you for the clarification!

 

Big Daddy


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Message 89 of 91
New Member

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hello.  My name is Gino and I have a credit problem.  I think I found the right place for help.


Starting Score: 511 (8/25/12) myFICO EQ
Current Score: 631 (2/17/13) myFICO EQ
Goal Score: 650


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Message 90 of 91