FICO

[laryn41]

When asked what your fico score is which one are they asking for?  Also score watch...is that just your Equifax score?

[Anonymous]

---

laryn41 wrote:

When asked what your fico score is which one are they asking for?  Also score watch...is that just your Equifax score?

---

Yes Scorewatch is your Equifax score. When asked for your fico score I would give my middle score of the three (EQ, TU, EX). Numbers gotten from here, of course.

[Anonymous]

There are a lot of credit scores out there but the only place to get a true FICO is here or the equifax website.  The other scores offered by other companies are considered FAKO scores.

[laryn41]

thanks brammy... i totally get that.  but sometimes they ask what your fico sore is.  which one do they want? eq tu or ex?

[Anonymous]

---

laryn41 wrote:

thanks brammy... i totally get that.  but sometimes they ask what your fico sore is.  which one do they want? eq tu or ex?

---

Who asks?  In response to that question I would counter with 'Which bureau?'.  That way they will know that you are involved with your credit.

[laryn41]

great.  How accurate is the score simulator on this website?  Are your scores really good.  You seem to know alot about this stuff.

[Anonymous]

---

laryn41 wrote:

great.  How accurate is the score simulator on this website?  Are your scores really good.  You seem to know alot about this stuff.

---

Think they are ok for someone who has a BK on file.  Range from 680-709 but about to take a hit from opening another account and a Max out BT.  I waited a long time to try and reestablish credit after my BK or fix errors on my report.  Last year this time, my scores were at least 100 points lower.  However, I will be honest and say that I am done apping for a good long time. Have managed to establish the credit limits I wanted so now its just time to sit back and enjoy the fruits of my hard work.  My first app'd accounts after my first subprime card just saw their first birthdays in July, I have opened Five cards in 07. 

Now I am just working on the keepers.  Went from 1500.00 in credit in June of 06 to 30k today

BTW the scorewatch simulators are just that, simulators but they do give a pretty accurate range

Message Edited by Brammy on 09-06-2007 09:21 AM

[Anonymous]

---

Brammy wrote:

---

laryn41 wrote:

great.  How accurate is the score simulator on this website?  Are your scores really good.  You seem to know alot about this stuff.

---

Think they are ok for someone who has a BK on file.  Range from 680-709 but about to take a hit from opening another account and a Max out BT. 

Now I am just working on the keepers.  Went from 1500.00 in credit in June of 06 to 30k today

Message Edited by Brammy on 09-06-2007 09:21 AM

---

                   Brammy,

                   You have done tremendously well pulling yourself up by your

                   bootstraps in a year's time.  Congratulations! 

                   May I ask how much of a hit will you take by opening an account 

                   and maxing it out through a BT?  I always wanted to do that when

                   I received 0% for a whole year or longer, but was told it would really

                   hurt my credit score.  I would think if I wasn't applying for new credit

                   anyway soon or a home or loan that it would be okay to do so. 

                   Your thoughts please.

                   SandyK

Message Edited by sankofa on 09-06-2007 06:36 PM

[Anonymous]

Im not sure how badly it will  hurt the true FICO I think is supposed to take in over all utilization.  Since I dont plan on apping anytime soon I'll just wait it out.  I'm not maxing the new one out.  I got a 1.99% for life of balance offer on an existing card but its a low limit.  So I will be maxing that one out. But the first concern is the wallet for me

[Anonymous]

---

Brammy wrote:

Im not sure how badly it will  hurt the true FICO I think is supposed to take in over all utilization.  Since I dont plan on apping anytime soon I'll just wait it out.  I'm not maxing the new one out.  I got a 1.99% for life of balance offer on an existing card but its a low limit.  So I will be maxing that one out. But the first concern is the wallet for me

---

Have to agree with you on the wallet Brammy. A dollar saved is a dollar earned.