Wells Fargo gives FICO Bankcard 2 score...

[sjt]

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@BronzeTrader wrote:

The guidelines are different too for different FICO scores....

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What do you mean?

[Anonymous]

Oddly enough DH has a Wells Fargo card and it shows his as "fico score 5 equifax data".

[BronzeTrader]

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@sjt wrote:

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@BronzeTrader wrote:

The guidelines are different too for different FICO scores....

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What do you mean?

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Different FICOs have different calculations. There may be one way to optimize one FICO, but not good for the other FICO. They may look at different things.

[Anonymous]

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@BronzeTrader wrote:

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@sjt wrote:

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@BronzeTrader wrote:

The guidelines are different too for different FICO scores....

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What do you mean?

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Different FICOs have different calculations. There may be one way to optimize one FICO, but not good for the other FICO. They may look at different things.

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As a rule, doing the right things to build your credit FILE, will also build your credit SCORE - regardless of scoring model.  I'm not talking about optimization tricks like manipulating utilization and credit mix - I'm talking about the basics, like paying everything on time and never paying late - those are universal.

Don't sweat the small stuff...just keep building