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@CS800 wrote:
@lithium78 wrote:I knew I would take a hit for getting a mortgage, but wowie, my EX is bad now. It's only a 695. That's with only one 30 day late on the final payment of a schedule from over a year ago (which was the result of me foolishly co-signing an auto loan for a friend when I was a young man). On Credit Sesame, I have a 776, which just goes to show you how useful FAKOs really are.
695 is not a bad score at all for a FICO
I thought I was doing a lot better, though. 695 doesn't even get me in the 2nd highest bracket and I've been working on these scores for seven years now.
@lithium78 wrote:I knew I would take a hit for getting a mortgage, but wowie, my EX is bad now. It's only a 695. That's with only one 30 day late on the final payment of a schedule from over a year ago (which was the result of me foolishly co-signing an auto loan for a friend when I was a young man). On Credit Sesame, I have a 776, which just goes to show you how useful FAKOs really are.
695 is not bad!
@EaglesFan2006
They ARE being reported... All of my accounts are positive and they're on there lol
However, 1. it is FICO and 2. It's a specific model of Experian FICO.
The person that said positives "weren't reported" was comparing a FAKO to this FICO.
Just some additional context from my end.
Bank pulled FICO 06/11/13
Experian - 770
myFico 06/13 for Experian
Experian - 815
CreditSesame 06/06/13
Experian FAKO - 729
experian.experiandirect.com 06/13/13
Experian Plus Score - 771
PS - It says the FICO Score Simulator is not available for Experian (http://www.myfico.com/Products/FICOOne/Description.aspx)
And it also says
*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.
Did you get all three scores when you got your mortgage?
@longtimelurker wrote:Did you get all three scores when you got your mortgage?
Yeah, I had like a 740 EX when we got our mortgage. I'm utterly shocked. The only other factor I could see weighing into this is that I mistakenly paid all my credit cards in full this month, instead of letting a small amount report.
@vpae wrote:
And it also says
*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.
OK, so given the context that you show, this just means "The list of positive factors is not currently available"
well purchased mine and its at 710.
here is what i know:
AMEX letter (5/8/13) EX Fico 706
EX Plus Score 728
US Bank letter (5/15/13) EX Fico V3 Model 668
Credit Sesame 680
Quizzle 745
MyFico EX 710
I've been dying to know my EX FICO ever since I started tracking my credit, so I went ahead and bought one today. I'm very pleased -- 743! That's right in line with my EQ and TU FICOs, and now I can say offically that I have achieved my FICO goal for the year -- all FICO scores 740+.
FWIW, my Experian Plus score is 712 and my CS score is 725. I'm thrilled to see that my FICO is higher than my FAKOs.
@longtimelurker wrote:
@vpae wrote:
And it also says
*Positive factors, reflecting areas of your credit behavior that are helping your FICO score, are not currently available with the FICO report based on Experian data.
OK, so given the context that you show, this just means "The list of positive factors is not currently available"
Yeah. I'm sure positives are included into the score calculations. But it doesn't have the Red/Green Scale that shows you what is hurting and what is helping your FICO score as the Transunion and Equifax one has.
That's just my interpretation of that line.