How did you get a Experian FICO score from FICO? I know it sounds stupid, just gotta ask.As for your question. tt depends. How long have you have credit? What is your average age of account? What is you % utilization?
The most relevant factor affecting your credit score is how much you use your credit cards, Try to for one month, leave about $100 balance on your bofa card and ZEROS on all other. Look at your scores again about a week after all your credit cards cut a statement. That's about as high as you can get in a short term period (6 months ~ 1 year). Beyond that it's just meticulously paying and not apply for cards when you necessarily have to.
Starting Score: EQ: 703 (4/2011);
@Anonymous wrote:As for my Experian score 602 that is AMEX use from Fico. To denied my application when i applied for the Delta Gold Skymiles Card three days ago. I pull my Experian credit report and it said that my score was 629. So i do not know AMEX come up with a 629 from using fico.
The Experian score that you got directly from Experian is not a FICO score. It's their home-grown "credit score", not used by lenders.
If the AmEx denial said that the score that they gave you was your FICO Experian score, that's what it was.
eta: Sorry about the denial. 