topic Re: MYFICO 800 CLUB in Credit Cards

MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:16:22 GMT

I just purchased my new fico score and it states 803. How acurate is the score? I have a 16k baddy auto loan that fall off 02/2013. So how is my score 803? Other then the 16k auto loan I have no other baddies. AAoA based on myfico is 4.4 yrs and CK 1.7 yrs.

Just confused really.

Oh and also I just got approved for 3 new cc within the last 5 days or so which wasnt on credit report yet. What type of effect will those 3 cc's have when they do hit my credit report?

Re: MYFICO 800 CLUB

youngandcreditwrthy — Mon, 05 Nov 2012 01:16:55 GMT

You buy it here??? On myfico??
Must be right!! Congrats!!! Im totes jelly!!

Re: MYFICO 800 CLUB

youngandcreditwrthy — Mon, 05 Nov 2012 01:17:58 GMT

You might drop 10-20 pts ime. No major damage, will rebound in prob 6 mos.

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:22:13 GMT

Yes I just purchased the score on myfico for $15.95 ( 10% off it said)

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:22:40 GMT

CK AAoA is lower because they don't factor in closed account like the real fico.

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:25:42 GMT

Oh ok that explains that I see

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:51:53 GMT

I am happy at the same time

Re: MYFICO 800 CLUB

youngandcreditwrthy — Mon, 05 Nov 2012 01:53:03 GMT

Oh.. Then it's 100% real. Make sure it's a FICO, not a VantageScore

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 01:58:40 GMT

Its fico. Correct me if Im wrong but I dont think you even get a vantage score through myfico

Re: MYFICO 800 CLUB

youngandcreditwrthy — Mon, 05 Nov 2012 02:10:42 GMT

I wasn't sure lol your score is just so hiiiighhhhh!!! I haven't bought any scores on here for a year or two lololll

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 02:17:44 GMT

Oh ok. I get a free score from myfico on the 22nd of this month. I just really wanted to know my score before hand considering I just had 7 baddies fall off 11/01/12. Also buy purchasing my score now since the baddies fell off it will allow me to see what type of impact the new accts did when I get the free one on the 22nd

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 02:19:50 GMT

803

View Report: 11/04/2012

Past TransUnion Credit Scores

673

Report Date: 09/22/2012

View Until: 09/02/2013

View Report

666

Report Date: 08/21/2012

View Until: 09/02/2013

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 02:20:36 GMT

I just copy/paste it. Sorry thats how it showed up

Re: MYFICO 800 CLUB

beb86 — Mon, 05 Nov 2012 02:34:29 GMT

You should pull your EQ score too and see what that is... myFICO uses the TU98 model which can be off by a bit when it comes to the TU04 that most lenders use or the TU08 that walmart gives.......I have seen that the EQ score from here is almost dead on any other lenders EQ scores...but as always YMMV

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 02:38:48 GMT

I didnt purchse EQ because I dont know many lenders in my city that use EQ. I will be in the market to purchase a new SUV around the end of 2013 and 95% of the credit unions here that I have talked to pull TU. So TU is my main concern. I dont know my actual EQ score but I do know I only have one baddie with them and thats the 16k auto loan that falls off 02/2013. So I am going to assume EQ cant be to bad

Re: MYFICO 800 CLUB

CreditEd — Mon, 05 Nov 2012 02:45:10 GMT

MyFico and EQ direct are always equal for me. The FreeCred... and EX scores vary from 5-10 points again for me.

When I apped for a new AMEX card FCS gave me 726 before apping. The approved AMEX letter gave me 721, and the FCS score after the HP was still 726.

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 02:51:22 GMT

Oh I just got approved for the amex green card but they pulled TU for me or atleast they are on my TU report. Maybe they pulled EQ too and when I get the card in the mail if they pulled EQ I will see that score then.

Re: MYFICO 800 CLUB

Epcot — Mon, 05 Nov 2012 02:56:41 GMT

Congrats on the Amex approval!

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 03:14:59 GMT

You should check your free credit karma TU score

Re: MYFICO 800 CLUB

Anonymous — Mon, 05 Nov 2012 03:02:39 GMT

Thx