topic Re: pulling FICO to track progress? in Rebuilding Your Credit

pulling FICO to track progress?

heckofagator — Tue, 10 Apr 2012 15:28:59 GMT

I was curious how many of you pull your FICO score versus just working on deleting the bad/negative entries without knowin the FICO.

On one hand, I can see where it'd be nice to see the FICO and how much it raises with each deletion/fix, but on the other hand, the score is what it is and all you can really good is work to make it better from this point on.

That being said, is the 3x FICO score from this site for $49.99 the best deal if you want to track your progress?

Re: pulling FICO to track progress?

Rain77 — Tue, 10 Apr 2012 15:53:10 GMT

I use a CMS, so I can see what's going on daily, however, I don't think it's updating my score (cause if it's still in toilet after 3 months, deletions, large payments, 0 balances not updated yet) it's a problem. I plan to purchase my scores/individual reports every 3-4 months (TU & EX thru MyFico).

Also I believe Eqifax (someone correct me if wrong) cannot be purchased by consumers or it's only available to certain lenders.

Re: pulling FICO to track progress?

golo — Tue, 10 Apr 2012 16:48:42 GMT

I think is experian the one you can't buy.

Re: pulling FICO to track progress?

Rain77 — Tue, 10 Apr 2012 17:12:26 GMT

I think so too, after I typed I realized I had my EQ & TU but no Ex

Re: pulling FICO to track progress?

llecs — Wed, 11 Apr 2012 01:10:11 GMT

When I started I pulled my FICOs and used that as a guage for improvements. I figured FICO was important if I wanted better credit and used the info on the FICO reports to show me which accounts were hurting my FICO, which ones were not, what aspects hurt the most/least, etc. I pulled each FICO report very frequenty (min. of 3x/mo) to track those changes. I don't do that anymore but it helped then. I also pulled the full reports directly from each CRA and subscribed to a CMS to track those daily report changes.

Re: pulling FICO to track progress?

Anonymous — Wed, 11 Apr 2012 04:14:33 GMT

@llecs wrote:
When I started I pulled my FICOs and used that as a guage for improvements. I figured FICO was important if I wanted better credit and used the info on the FICO reports to show me which accounts were hurting my FICO, which ones were not, what aspects hurt the most/least, etc. I pulled each FICO report very frequenty (min. of 3x/mo) to track those changes. I don't do that anymore but it helped then. I also pulled the full reports directly from each CRA and subscribed to a CMS to track those daily report changes.

That's exactly what we're doing and, its only $40 to get both EQ and TU each time you pull. For those who have a Walmart card to track TU and for those who are members of the DC Credit Union to track Equifax -- its free but, you can only get your FICO once a month. We consider keeping track of our FICO an investment in purchasing power, its well worth the minimal cost.