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fico64
Posts: 61
Registered: ‎09-19-2010
Re: Trying to understand Fico scoring

GregB,

 

I ordered Equifax and Trans Union from my Fico. Please read top of post for what I said. Do not want to rehash again.

 

What I'm trying to understand, over the last 16 months, things were substantially improved and all three scores dropped instead of improving. As I suggested earlier, I conclude that taking out the mortgage has hurt me instead of helped me. I have been paying on it for 13 months and the reports correctly reflect the existing balance.

 

Experian says in it's analysis: Mortgage, 4 stars, best credit one can have. I did not have a mortgage 16 months ago. My last late is almost three years old.