topic Re: Experian fico score version 2 in General Credit Topics

Experian fico score version 2

nyripon — Sun, 07 Jun 2020 21:43:32 GMT

My Experian fico 8 score is 706, but fico 2 is only 619 which needs to increase by 1 within a couple of days to meet minimum requirement of 620. Any tricks, advice will be greatly appreciated

Re: Experian fico score version 2

AllZero — Sun, 07 Jun 2020 21:02:28 GMT

A quick fix is to optimize your reported utilization if on the high side. Where do you stand with reported individual and aggregate utilization %?

Re: Experian fico score version 2

nyripon — Sun, 07 Jun 2020 21:42:51 GMT

Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly.

Re: Experian fico score version 2

M_Smart007 — Sun, 07 Jun 2020 21:39:51 GMT

@nyripon wrote:
My Experian fico 8 score is 706, but fico 2 is only 619 which needs to increase by 1 within a couple of days to meeting minimum requirement of 620. Any tricks, advice will be greatly appreciated

Hope you can glean something here;

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/General-Scoring-Primer-and-Version-8-Master-Thread-rev-5-17-20/m-p/6023350#M169681

Re: Experian fico score version 2

AllZero — Sun, 07 Jun 2020 21:48:15 GMT

@nyripon wrote:
Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly.

Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.

Re: Experian fico score version 2

M_Smart007 — Sun, 07 Jun 2020 21:51:25 GMT

@AllZero wrote:
@nyripon wrote:
Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly.
Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.

For your reading pleasure

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding/td-p/5074148

Re: Experian fico score version 2

AllZero — Sun, 07 Jun 2020 21:54:49 GMT

@M_Smart007 wrote:
@AllZero wrote:
@nyripon wrote:
Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly.
Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.
For your reading pleasure
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding/td-p/5074148

I like it. Build up them macros.

Re: Experian fico score version 2

nyripon — Sun, 07 Jun 2020 21:55:37 GMT

Thanks guys

Re: Experian fico score version 2

M_Smart007 — Sun, 07 Jun 2020 21:56:49 GMT

@nyripon, You are Welcome