topic Re: A little FICO Inspiration my score progress from all bureaus!!!! in Understanding FICO® Scoring

6-2-07 A little FICO Inspiration and comparison between myfico/truecredit

Anonymous — Sat, 02 Jun 2007 06:21:04 GMT

Hey all:

I'll be the guinea pig since this is my new crusade to be house ready in 3-6 months with the methods you all have shared with me. I originally pulled my baseline scores in feb and have tried to check on a monthly basis. These are all my scores thus far. My immediate goal is 620-650 to qualify for a decent mortgage out of s/p territory.

MYFICO TransUnion True credit version

623 6/1/07 604 All has posted!

592 5/19/07 1 cc update remains 604 5/19/07

564 5/11/2007 Inquiries removed 603 5/11/2007 4 cc update 1 inquiry removed

562 4/28/2007 No change 5/7/07 595 5/9/2007 a couple of inquiries have fallen off

588 5/4/2007 2 cc update from max

506 3/20/2007 575 5/2/2007 1 cc update from max

478 2/3/2007 565 3/1/2007 0 cc update from max

MYFICO Equifax

604 6/1/07 614 All has posted and I believe I have aged some new accounts

587 went down due to inquiries

596 5/17/07 Had to pull a scorepower for this update!

584 5/16/07 scorewatch alert 607 5/16/07 Don't get it?

561 5/9/2007 6 cc update 606 5/9/2007 6 cc update

530 5/7/2007 I guess they are really going to make me work for those points!

528 4/28/2007 588 5/5/2007 4 cc update from max

510 3/8/2007 583 5/2/2007 2 cc update from max

533 2/17/2007

MYFICO Experian

589 6/1/07 612 all updated plus inquiries

572 5/19/07 new installment loan added 614 5/15/07 5 cc update + inquiry (Ouch)

572 5/8/2007 612 5/8/2007 4 cc update from max

541 4/28/2007 565 5/2/2007 2 cc update from max

502 3/20/2007

475 2/3/2007

As I have explained in the past collections and deletions have hurt my fico score for EQ but not TU and EX. I hope this is a glitch and EQ will rebound a little more as I continue to play by the rules no lates on anything since last december. All collections and CO are zero paid or transferred. 10 CC all maxed out until 3 weeks ago and only one update has hit my report on all bureaus with 2 now showing on EX and EQ I believe. I'll edit if I am wrong. I am hoping the pay offs will bring my accounts up to if not past at least the 600 level. I will continue to try to get util to all below 10% soon. I am expecting an install loan to hit and who knows what that might do to my credit profile. I am hopeful and anxious since I hadn't realized until this moment that EX alone went up 66 points and TU 84 points! I am curious why EQ is so low when it was originally the highest. I must of lost a lot of hx with the deletions. Any thoughts or comments are always welcomed!!!

Hope to hear from all of you soon!

I decided to add truecredit so that we can also monitor the differences in the scoring models for all you statisticians out there. I'll supply the data and you can interpret

Message Edited by LadyFICO on 05-02-2007 05:33 PM

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Message Edited by LadyFICO on 06-01-2007 11:21 PM

Re: A little FICO Inspiration my score progress from all bureaus!!!!

Anonymous — Wed, 02 May 2007 21:12:00 GMT

Awesome, good job and keep up the hard work. Almost a hundred point jump on the TU in 2 months, that's great

Re: A little FICO Inspiration my score progress from all bureaus!!!!

Anonymous — Wed, 02 May 2007 21:16:28 GMT

Excellent work on the positive bump ups. Congratulations for your hard work. I don't know why EQ is lower that the rest, you are probably right re: history. I think if you continue to do what you are doing, your scores should increase to the 600 range in 3-6 months. You're really not that far off..and for a mortgate, they are going to take the middle score anyway, so you look like you'll be in good shape. Keep us posted.

Re: A little FICO Inspiration my score progress from all bureaus!!!!

smallfry — Wed, 02 May 2007 21:35:17 GMT

Good work. Keep it up.

Re: A little FICO Inspiration my score progress from all bureaus!!!!

Tuscani — Wed, 02 May 2007 21:36:04 GMT

Fantastic!

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Thu, 03 May 2007 18:42:53 GMT

Congrats on your score ups.

I have not went up 88 points, but in the last 6 weeks I have added up to 67 points to my scores. i too have true credit and it is a little weird but my scores (TC) are fairly close to my FICO.

I am thinking that with your EQ going down is because of something that I saw on one of the earlier threads talking about abeing in a new pool. My scores have been doing the same thing lately because I have some things deleted. I can not wait to see what it will eventually go up to!

Keep up the good work!!

Keep us up to date on your progress as well.

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Fri, 04 May 2007 07:17:48 GMT

Congrats on your huge point increase. If I am in a new pool I wish someone would tell me how to swim with the slightly bigger fish

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

MM1234 — Fri, 04 May 2007 21:56:59 GMT

Congrats !! I think thats a great increase.

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Sat, 05 May 2007 13:10:48 GMT

Something I noticed I have two hsbc (orchard) cc and they both just reported to eq I guess overnight no statement has cut yet so I guess we should always be aware of our usage on this one. Also, this update has not hit the other two bureaus yet nor have I received an alert from scorewatch to let me know of any score changes which I believe should occur due to now four cards I have paid down from max should be showing . I'm almost inclined to think that maybe eq batches the changes for x number of days and makes a score determination for the month. Whereas the other two adjust your scores as soon as a change occurs. Making EQ the hardest for me to get a huge point boost like the other bureaus. Just some more thoughts.

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Tuscani — Sat, 05 May 2007 13:24:11 GMT

HSBC has always been quick to report. It can be difficult getting goodwill adjustments as well, so always pay them on time.

Message Edited by Tuscani on 05-05-2007 08:24 AM

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Sat, 05 May 2007 18:26:32 GMT

I tried to see if any of the s/p cards do any goodwilling and they seem to be difficult. I have a late pay with plain commerce/bank pf hoven that occurred approx 20 months ago and they will not remove it. I figure my score should jump a little once it ages to the 24 month mark.

Re: A little FICO Inspiration and comparison between myfico/truecredit May 5, 2007!

MercyMe — Sun, 06 May 2007 01:00:23 GMT

Wow! Impressive, LadyFico! Scores are coming up fast!

Re: A little FICO Inspiration and comparison between myfico/truecredit May 5, 2007!

Anonymous — Sun, 06 May 2007 12:32:05 GMT

Thank you the only thing that concerns me is once everything is reported and I go back to just worrying about paying slightly more than the minimums will I plateau before I reach my goal?

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Sun, 06 May 2007 14:27:50 GMT

LadyFICO wrote:
Something I noticed I have two hsbc (orchard) cc and they both just reported to eq I guess overnight no statement has cut yet so I guess we should always be aware of our usage on this one. Also, this update has not hit the other two bureaus yet nor have I received an alert from scorewatch to let me know of any score changes which I believe should occur due to now four cards I have paid down from max should be showing . I'm almost inclined to think that maybe eq batches the changes for x number of days and makes a score determination for the month. Whereas the other two adjust your scores as soon as a change occurs. Making EQ the hardest for me to get a huge point boost like the other bureaus. Just some more thoughts.

Usually HSBC and Orchard s/p will report end of month regardless of the statement date. Check in to when the date is report 'as of' and that will give you a good idea of when to make sure your balances are lowest. As the PP said, it is almost impossible to goodwill ANYTHING out of these two cards so remain perfect.

Message Edited by Brammy on 05-06-2007 10:27 AM

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Drew — Sun, 06 May 2007 21:37:18 GMT

Congratulations.

How are you getting your FICO scores?

Message Edited by Drew on 05-06-2007 04:37 PM

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Tuscani — Mon, 07 May 2007 00:17:08 GMT

Drew wrote:
Congratulations.

How are you getting your FICO scores?

Message Edited by Drew on 05-06-2007 04:37 PM

myfico.com

Re: A little FICO Inspiration my score progress from all bureaus!!!! Just Added True Credit!

Anonymous — Mon, 07 May 2007 07:42:08 GMT

Thanks Drew, Tuscani is correct, I use MYFICO.com the only true way to obtain your FICO scores. I am hoping they develop a product that incorporates all 3 bureaus but for now, and since I was a newbie and just learning about credit repair I initially purchased and pulled using the suze orman kit to obtain info about all 3 fico scores. For me, scorewatch for monitoring EQ came a week later as I continued exploring what products would work for me.

I get new reports as I need them or when I think I need them. (This includes the Sally orman reports to see EX and TU progress as well. Since I am trying to share with you guys about the progress I am making, I will try to obtain them a little more often. Once I reach a point of not having so much credit activity I can pull when I make major purchases or think an alert has triggered something that looks suspect. Until then I will continue to share.

Re: A little FICO Inspiration and comparison between myfico/truecredit May 7, 2007!

Anonymous — Mon, 07 May 2007 16:19:34 GMT

Kudos to you Lady! I have a similar circumstance (I just posted "My Mortgage Journey Using FICO" )and it is nice to know that I am not alone Good luck to you!

Re: A little FICO Inspiration and comparison between myfico/truecredit May 7, 2007!

Anonymous — Tue, 08 May 2007 05:31:55 GMT

Thanks I will check it out!