So after 4+ years I decided to take the 3 pull plunge with Capital One. Approved for Platinum Card for $300 this morning! My scores are from CCT:
(7/3) FICO8’s EX542 TU532 EQ640
FICO2 EX654 FICO2Bank 662 AUTO618
VS3 EX693 (Credit.com) TU765-EQ760 from CK
I have 2 AU accounts reporting, a 6 yr old unpaid repo and a 4 yr unpaid CO old loan. The FICO8 does is not using the AU data in their algorithm...at least EX8. My TU FICO May be higher now. On 7/6 my VS3 on CK went up from 624 to 765. When that happened on my EQ VS to 760 my FICO8 shows 640. I am considering a TU pull for PayPal CB MC or Walmart, maybe even a Barclay pull, does anyone know if Barclays pulls TU4 or TU8 or 9 FICO models for credit card decisions? I am strategically going to apply for a lender (UNIFY CU, ABOC, etc) that use EX2. Any suggestions from the pros here would be welcome. I am obsessed with credit now. How do you guys think my FICO9 looks - or older EQ4/5 for Penfed/DCU etc. Thanks! In Nevada.
(7/3) FICO8’s EX542 TU532 EQ640
FICO2 EX654 FICO2Bank 662 AUTO618
VS3 EX693 (Credit.com) TU765-EQ760 from CK
I have 2 AU accounts reporting, a 6 yr old unpaid repo and a 4 yr unpaid CO old loan. The FICO8 does is not using the AU data in their algorithm...at least EX8. My TU FICO May be higher now. On 7/6 my VS3 on CK went up from 624 to 765. When that happened on my EQ VS to 760 my FICO8 shows 640. I am considering a TU pull for PayPal CB MC or Walmart, maybe even a Barclay pull, does anyone know if Barclays pulls TU4 or TU8 or 9 FICO models for credit card decisions? I am strategically going to apply for a lender (UNIFY CU, ABOC, etc) that use EX2. Any suggestions from the pros here would be welcome. I am obsessed with credit now. How do you guys think my FICO9 looks - or older EQ4/5 for Penfed/DCU etc. Thanks! In Nevada.
FYI...also a solid data point. CARVANA uses VS3 from EX for auto loan financing. In June, when my EX VS3 @ 650, I was approved financing @ 19.1% with minimum $200 down for around $20k+ up to 69 months.
Congratulations.
Are your FICO08 scores a typo?
No I wanted to post a pic so all can see my nine scores. MyFICO8” as of July 3...
EX-542
TU-532 (I think it’s much higher now)
EQ-640
I wish I can post a pic in my signature
EX-542
TU-532 (I think it’s much higher now)
EQ-640
I wish I can post a pic in my signature
Congrats on your approval !!!!
Starting Score: 500
Thanks for the advice. I am not going for any store cards. I am going to a local CU to see if they will accommodate a low limit card for rebuild. SSL loan and another card should do it for 6 months in the garden.
Hey hotcat, when did you get approved for the CITI MC? Is there a way to get free TU FICO? I know the $29 myFICO is the way to go when ready.