Re: The elusive FICO EX
09-09-2012 10:58 AM
I guess they just have to list something.
Yup, I've asked a similar question in the past and someone responded saying that if you have no significant negative things on your credit report for them to mention, they just pick 2 things to put on there anyway even if it's not really a "real" negative.
My EX FICO was 824 for like 3 months in a row then dropped to 762 for no apparent reason. No new loans, no sudden high utilization, no applications for credit. Maybe it's my student loans kicking in since I just finished school and the no payments required grace period ended? Currently climbed back to 782 after 4 months.
PSECU EX FICO currently says I have too many credit accounts with balances (I only have 2 credit cards and one has a $0 balance on it) and too short of a credit history (AAoA should be over 5 years I believe - no idea what would be considered "not short" for history).
Experian FICO (Highest - 5/12): 824 | Experian FICO (12/12): 769