New Contributor
vetstorm91
Posts: 50
Registered: ‎07-27-2010
Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hi my name is Sean and I am a FICOholic.


Current Score: myfico EQ 618 TU 693
my ficoGoal Score: 700

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Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
Re: The MyFICO Forums 12 Step Program (For FICOholics)

Just like a nicotin patch

 

Is there a FICOtin patch for people like me?

 

 

 

 

 




Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
Re: The MyFICO Forums 12 Step Program (For FICOholics)
[ Edited ]

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 :smileyvery-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

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New Contributor
jdogi
Posts: 75
Registered: ‎02-21-2010
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

New Contributor
Deka
Posts: 53
Registered: ‎03-13-2012
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+


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Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009
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


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Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
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.

Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009
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


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New Member
GinoHasa
Posts: 3
Registered: ‎08-26-2012
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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