topic Where can I see a long history of my Credit Score? in Understanding FICO® Scoring

Where can I see a long history of my Credit Score?

DaWhole9 — Sun, 03 Sep 2023 17:45:57 GMT

What a journey its been over the last 4 years. I want to really record the achievement. I went from high 500s (not exactly sure exactly) to a new high score this month of 814. My ultimate goal was set at 815 a LONG time ago and if I just continue to do the same things, a few inquiries will drop off in about 6 months...I will probably be somewehere in teh 820 range. Not including any jumps due to accounts aging. I have WalletHub, NerdWallet, Credit Karma, Credit Wise, and they all have a score history that goes bnack 2 years max. I am looking for a way to track my score back to when I joined those services or back about 5 years when I was at my low point. Anyone know a way to get a 4 or 5 year history on your credit score?

Re: Where can I see a long history of my Credit Score?

Horseshoez — Sun, 03 Sep 2023 19:13:56 GMT

@DaWhole9 wrote:
What a journey its been over the last 4 years. I want to really record the achievement. I went from high 500s (not exactly sure exactly) to a new high score this month of 814. My ultimate goal was set at 815 a LONG time ago and if I just continue to do the same things, a few inquiries will drop off in about 6 months...I will probably be somewehere in teh 820 range. Not including any jumps due to accounts aging. I have WalletHub, NerdWallet, Credit Karma, Credit Wise, and they all have a score history that goes bnack 2 years max. I am looking for a way to track my score back to when I joined those services or back about 5 years when I was at my low point. Anyone know a way to get a 4 or 5 year history on your credit score?

A few comments:

None of those sites show you a real credit score, so I wouldn't bother looking at them for today's score much less the last two to five years.
The Experian web site has a "Max" view from when you originally set up an account, but that won't help you if you've never signed in.
I'm looking at my Experian Score Tracker view, it starts on 04-Jul-2020 when I first signed in; my FICO 8 was about 605 at the time), it then shows my score rocketing up 120+ points to the mid-800s the day my Chapter 13 fell off my record in December of 2021, and then the mid- to high-700 since then (I've since applied for 3 new credit cards and a car loan).

Re: Where can I see a long history of my Credit Score?

DaWhole9 — Mon, 04 Sep 2023 07:44:11 GMT

@Horseshoez
A few comments:
None of those sites show you a real credit score, so I wouldn't bother looking at them for today's score much less the last two to five years.
The Experian web site has a "Max" view from when you originally set up an account, but that won't help you if you've never signed in.
I'm looking at my Experian Score Tracker view, it starts on 04-Jul-2020 when I first signed in; my FICO 8 was about 605 at the time), it then shows my score rocketing up 120+ points to the mid-800s the day my Chapter 13 fell off my record in December of 2021, and then the mid- to high-700 since then (I've since applied for 3 new credit cards and a car loan).

Perfect! That's what I needed. Logged in and my low point in 2020 was 538. Current is 814.