TU 801

EQ 813

EX 825

 

Past Due Accounts - 0

History - 12 Years

Average Age of Accounts - 8 Years

Negative Accounts - 0

Revolving Account Balances - $72 (<1%)

Mortgages - 0

Installment Loans - $9,562

 

Accounts - 14

Active Accounts - 7

Accounts with Balances - 2

Accounts new in the past year - 1

Recent Inquries - 3

Collections - 0

Public Records - 0

 

 

I am almost to closing on 1st mortgage and am interested in seeing what effect it will have on scores.

Just applied for a Re-Fi on my Mortgage and they sent me all three "True FICO's"

Interesting to me is they use the "Middle Score", even though the three CRA's use different scales.

 

From their full report:

 

Your Credit Score

Score: 797 Source: Equifax Date: 11/27/2012

Score: 788 Source: Experian Date: 11/27/2012  <--- Used as your Middle Score
Score: 784 Source: TransUnion Date: 11/27/2012

 

 

The range of scores

 

Equifax
Scores range from a low of 300 to a high of 850

 

Experian
Scores range from a low of 375 to a high of 900

 

TransUnion
Scores range from a low of 395 to a high of 848

 

That's funny most people leave housework for regular times like as in ( daytime) hours not midnight unless you see no difference ... Most do but must be Nice! cheers

I believe I may have posted this in the wrong place so I'm gonna apologize in advance since I'm unsure I can move or remove the post I made I am still figuring out how to use the mobile way of doing things apposed to the larger desktop trying ...

That is funny, Ready13.  Glad you 'explained.'

 

I was about to ask  "what planet are you from"?  Or,  "who asked you about the price of apples"?

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nois wrote:

TU 801

EQ 813

EX 825

 

Past Due Accounts - 0

History - 12 Years

Average Age of Accounts - 8 Years

Negative Accounts - 0

Revolving Account Balances - $72 (<1%)

Mortgages - 0

Installment Loans - $9,562

 

Accounts - 14

Active Accounts - 7

Accounts with Balances - 2

Accounts new in the past year - 1

Recent Inquries - 3

Collections - 0

Public Records - 0

 

 

I am almost to closing on 1st mortgage and am interested in seeing what effect it will have on scores.

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Congratulations! 825 is about the highest score I've seen on this forum

 

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HiLine wrote:

Congratulations! 825 is about the highest score I've seen on this forum

 

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I was very surprised when the LO read the scores to me. I knew what EQ was and had an idea of TU.

 

I wonder what will happen when the mortgage is reported.

Nois--You will hear the silent voice on the elevator saying, "Going down."    Congratulations on your scores and your new house.  Stay the course.

 

My first EX score on MyFico was 825.  But, since then, I've purchased a house and a long-arm quilting machine.  I'm afraid to check it again. 

 

"oldest account: FICO High Achievers opened their oldest account 19 years ago, on average.

average account age: Most FICO High Achievers have an average age of accounts between 6 and 12 years.

oldest revolving account: FICO High Achievers opened their first revolving account 19 years ago, on average. "

 

:0 whew! 19 yrs ago I was just a wee lass. I'm closing in on the 760 mark though oldest account is 7 years old