Can I buy or get my old FICO scores.

[ilovepizza]

I would love to build my FICO history to learn from. Up until recently I don't know my scores. Maybe they were higher 2 years ago. Does anyone sell past scores?

[Tuscani]

Nope

[MidnightVoice]

But after spending weeks in this place, you should be able to read your current credit report and work outt what they were 

[fused]

I guess that is why so many folks recommend you always print your current report.  That way if some debt collector tries to re-age a baddie or slap you with a hard inq, its much easier to dispute.

[ilovepizza]

I only learned about credit stuff this year and no old reports before 11/06.
I canceled 6 old cards in 2006 from the mid 90's and replaced them with new 0% apr cards this year. Wondering how that effected my score.

My best guess is
-10 points for the canceled cards.
- 5 points for the new cards (still have the fresh new smell)
-20 points for inquiries (more than 12 recent trying to get the new cards)

But I didn't know how scoring worked. I can't see how that point loss makes me a higher credit risk for swopping old cards for new ones. I tried everything I could to get the cards reactivated. The banks merged, no records.

Worst case I guesstimate same scores as I have now less those points. In a year cards will be older and no inquiries. Over all I only lost age.

Message Edited by ilovepizza on 05-21-2007 05:16 PM