topic What makes EX higher? in Understanding FICO® Scoring

What makes EX higher?

vanillabean — Fri, 04 Feb 2011 04:06:38 GMT

psychic lists his scores as "EQ 810 / TU 813 / EX 842". I'm getting really curious now. What is it about his EX that makes it so much higher than the other two? The report or the formula? Someone may have read if he once wrote about it; I haven't found it if he did.

Re: What makes EX higher?

haulingthescoreup — Fri, 04 Feb 2011 04:39:13 GMT

We'll have to wait for him to cruise back through and see your post.

EX is generally high for me because I have an old closed (sigh) account on it that makes it older than the others.

Re: What makes EX higher?

MarineVietVet — Fri, 04 Feb 2011 04:40:53 GMT

@haulingthescoreup wrote:
We'll have to wait for him to cruise back through and see your post.

EX is generally high for me because I have an old closed (sigh) account on it that makes it older than the others.

I've been meaning to tell you HTSU- congratulations on that brand spanking new EX FICO.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: What makes EX higher?

haulingthescoreup — Fri, 04 Feb 2011 05:17:03 GMT

Thanks! It's silly, I guess, but I do like knowing this stuff. If people (well, lenders) are evaluating me, I'd kinda like to know what they're seeing.

eta: It'll be down this month, that's for sure.

Re: What makes EX higher?

MarineVietVet — Fri, 04 Feb 2011 07:28:46 GMT

@haulingthescoreup wrote:
Thanks! It's silly, I guess, but I do like knowing this stuff. If people (well, lenders) are evaluating me, I'd kinda like to know what they're seeing.

eta: It'll be down this month, that's for sure.

It's not silly at all. It's something that you think it right for you. I respect that.

It seems a few here think it's silly of me not to join PSECU to find out my EX FICO. They can't seem to fathom that I'm just not interested in knowing.

My other 2 scores are high enough.

Re: What makes EX higher?

vanillabean — Fri, 04 Feb 2011 18:48:01 GMT

@haulingthescoreup wrote:

EX is generally high for me because I have an old closed (sigh) account on it that makes it older than the others.

DW is like that, due to some old store cards. Thanks for the reminder; I just looked up our oldest scores, years before we knew or cared anything about what those numbers are about, before our credit escapades in the last year and a half. Her EX FICO was 832, lol. So it would appear that EX likes no recent credit, which happens to be the place we're heading to revisit.

Based on their web pages, PSECU seems to be a nice place to be with the whole credit union community mood oozing out from there. By the way, have you noticed any soft from them this month? I was just wondering if the scores have already been pulled.

Re: What makes EX higher?

Anonymous — Sat, 05 Feb 2011 14:07:26 GMT

@haulingthescoreup wrote:
We'll have to wait for him to cruise back through and see your post.

EX is generally high for me because I have an old closed (sigh) account on it that makes it older than the others.

Same here. My Ex was always my highest score back when we could pull them here, and it still was when I was mortgage shopping last spring. I've got my oldest closed account still reporting. It doesn't report on the other two.

Re: What makes EX higher?

Anonymous — Sat, 05 Feb 2011 14:11:06 GMT

@MarineVietVet wrote:

It's not silly at all. It's something that you think it right for you. I respect that.

It seems a few here think it's silly of me not to join PSECU to find out my EX FICO. They can't seem to fathom that I'm just not interested in knowing.

My other 2 scores are high enough.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Well, it's a lot less lonely knowing that I'm not the only non-PSECU member left in the forums. I wish I could say we shared reasoning as well, though. I simply don't trust myself to not app for credit once I joined!

Re: What makes EX higher?

MarineVietVet — Sat, 05 Feb 2011 18:03:22 GMT

@Anonymous wrote:
Well, it's a lot less lonely knowing that I'm not the only non-PSECU member left in the forums. I wish I could say we shared reasoning as well, though. I simply don't trust myself to not app for credit once I joined!

We'll have to keep each other strong against the PSECU forces.