Re: 763 Experian Score!

armbenderc · ‎09-08-2013

Too bad it's Fako from CreditSesame

3.1 AAOA

0% Util

No baddie.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

BearsAndTurtlesRtheBest · ‎09-08-2013

If you made that 0% UTL to 1% wouldnt that bump you a bit more?

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

armbenderc · ‎09-08-2013

@BearsAndTurtlesRtheBest wrote:
If you made that 0% UTL to 1% wouldnt that bump you a bit more?

I'm not sure since it's all fako. To my best knowledge, the Amex CreditSecure is one of the most accurate fako, the score stay the same with 0% or 1% util.

All of my reports are frozen to keep Lexie happy , any I cannot open anymore account. I opened 6 this years, and auto loans even know I just paid 2 off.

My AAoA was 5.1 and now it is 3.1

Since joining this site last year, my FICO that I know of goes from 633 to 750+ in 1 year. What can I say, TY SO MUCH myFICO.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

BearsAndTurtlesRtheBest · ‎09-08-2013

Yup myfico is awesome!

EDIT: Congrats on the progress!

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

myjourney · ‎09-08-2013

It may be a FAKO but it shows upward bound

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

maiden_girl · ‎09-08-2013

My FAKO score is lower than my FICO. Credit karma has me at 653 TU while my FICO is 747 TU...wth. Lol. Usually the FAKO is higher right?

As of 2017, rebuilding...

763 Experian Score!

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763 Experian Score!