Understanding FICO® Scoring

[tcham54687]

Man, I am fighting the urge to pull another credit report. Haven't pulled a new report or gotten a SW alert for about 4 days and the withdrawal is killing me.

My reports have been in a constant state of change for the last 3 weeks. Now that I'm down to the last couple baddies the change has slowed and I don't need to pull reports as often. So I've promised myself I won't pull another report til the end of the month, by then there should be something to see. I have TC, but there is nothing like seeing the actual FICO score go up.

[marty56]

I have National City Identity Protect (TC) and I use TC to check when my CC balance is reported so I know when to pull my scores here.  TC used to show the date the account was last updated but it doesnt anymore.

[mrlimo]

Just curious, If I submit my app for FICOholics will there be a hard or soft pull of my CR's? Is there a minimum or maximum fico score required to be a member?

if not.....

Hello all I am Brian and I am a FICOholic. First steps to recovering from FICO point abuse.

Bahahah LOL!

[MidnightVoice]

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mrlimo wrote:

 Is there a minimum or maximum fico score required to be a member?

Scores over 850 are banned 

[BungalowMo]

Hello, I'm BungalowMo, and I'm a FICOholic.  I joined here May 1st, 08, but had been watching and repairing my credit for nearly 4 years.  Sure wish I'd know about this forum & PFD's back then

Now for that FICOtini!

Get blender...

5 parts prime cc's

1 part lo int loan

1 part 1-9% util

1 part mortgage

20 parts pays as agreed

1 part removed Cap 1 C/O

Add ICE (incredible credit education)

Blend vigorously

Get chilled FICOtini glasses from freezer (no fun toasting alone!)

Rim with SATL (sensational aged trade line)

Strain blender contents into chilled, rimmed glasses, garnish with lime & Cheers!!!!

[tcham54687]

So how the heck do I get my util down if I can't stop buying fico scores. I'm down to one per week, but man, it's hard!

The instant gratification of seeing a score bump feeds right into my OCD! I'm down to three accounts that have any movement. I could twice a month and see pretty much the same result, but I'm a Fico junky!

[MidnightVoice]

Bump for _andClimbing

[_andClimbing]

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MidnightVoice wrote:

Bump for _andClimbing

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Thanks, MV. That first post has me DYING laughing!

[Kareninaz]

I'm in exactly the same place! I started this journey on 7/2 and bought several scores, wasting a few last month. So far this month, I've only bought each bureau once and am anxiously waiting for things to update to buy another.

[brownee]

Oh, this thread is hysterical. I've repeated all of the *steps* to myself and am thinking of making myself a FICOtini this fine Tennessee morning..LOL.