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Free EQ FICO 8 at Langley

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SouthJamaica
Mega Contributor

Re: Free EQ FICO 8 at Langley


@sarge12 wrote:

@SouthJamaica wrote:

@sarge12 wrote:

@SouthJamaica wrote:

@sarge12 wrote:

@SouthJamaica wrote:

People looking for free FICO 8 scores often say that they don't know where to get a free EQ FICO 8.

 

I just realized they provide that at Langley FCU, which is a very good credit union in my opinion.

 

 


I did in fact just a couple of weeks ago join langley with opening savings and checking...how long does it take for the fico scores to show???


I think it shows up right away.

 

Go to Menu > View Accounts > View FICO Score


I have, and it says score not available yet and gives new account as a possible reason...which is strange considering they did a pull to open the account. Some things could only make sense to bankers or credit unions. They told me on the phone their pull was 826 at the time, but why they can't have it at the accounts own fico score link is beyond anything I can understand. Maybe it will show as of the first printed statement.

Right now...just this!!! By the way, I also asked for a LOC to cover overdrafts for 5k and was declined due to too much existing credit lines...with all scores over 800!!!

 

langley.JPG


Sorry


Not your fault....by the way what the CSR told me the exact reason for the credit denial was that I had too low of credit balances in relation to very high credit limits. He said they look at the highest ever balance reported on revolving lines compared to my credit limits. So even though AZEO is great for high scores, it can and in this case did cause the LOC decline. It appears that lenders are starting to use this to identify those who always PIF as less profitable transactors!  The CSR said that only 1 card has ever even reported a balance over 5k, and that many of them had never reported a balance at all even though many of them have over 10k credit limits. This is the case with almost all my cards because I PIF before the statements cut. It may lead to very high credit limits, but if almost all your cards show highest credit balance ever as 0, it can lead to declines. Might be time to start allowing alternate cards to report by waiting until after the statement cuts to pay them.


Wow, that is a strange reason. We turned you down because you kept your utilization down.


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 11 of 12
sarge12
Senior Contributor

Re: Free EQ FICO 8 at Langley


@SouthJamaica wrote:

@sarge12 wrote:

@SouthJamaica wrote:

@sarge12 wrote:

@SouthJamaica wrote:

@sarge12 wrote:

@SouthJamaica wrote:

People looking for free FICO 8 scores often say that they don't know where to get a free EQ FICO 8.

 

I just realized they provide that at Langley FCU, which is a very good credit union in my opinion.

 

 


I did in fact just a couple of weeks ago join langley with opening savings and checking...how long does it take for the fico scores to show???


I think it shows up right away.

 

Go to Menu > View Accounts > View FICO Score


I have, and it says score not available yet and gives new account as a possible reason...which is strange considering they did a pull to open the account. Some things could only make sense to bankers or credit unions. They told me on the phone their pull was 826 at the time, but why they can't have it at the accounts own fico score link is beyond anything I can understand. Maybe it will show as of the first printed statement.

Right now...just this!!! By the way, I also asked for a LOC to cover overdrafts for 5k and was declined due to too much existing credit lines...with all scores over 800!!!

 

langley.JPG


Sorry


Not your fault....by the way what the CSR told me the exact reason for the credit denial was that I had too low of credit balances in relation to very high credit limits. He said they look at the highest ever balance reported on revolving lines compared to my credit limits. So even though AZEO is great for high scores, it can and in this case did cause the LOC decline. It appears that lenders are starting to use this to identify those who always PIF as less profitable transactors!  The CSR said that only 1 card has ever even reported a balance over 5k, and that many of them had never reported a balance at all even though many of them have over 10k credit limits. This is the case with almost all my cards because I PIF before the statements cut. It may lead to very high credit limits, but if almost all your cards show highest credit balance ever as 0, it can lead to declines. Might be time to start allowing alternate cards to report by waiting until after the statement cuts to pay them.


Wow, that is a strange reason. We turned you down because you kept your utilization down.


Just wanted to update and say I'm finally recieving the Equifax fico08 score from langley. All the activity from June has finally had it's full effects realized. During June I closed an instalment loan, opened one with discover. I then opened 2 BoA credit cards and transferred the discover installment loan to one of the for 0% for 18 months. Also opened langley savings and checking to get the EQ fico 08. All this resulted in the following drops....EX fico 08 821--->796.....EQ fico08 826--->818....TU fico08 831--->810. So EQ only dropped 8 pts, TU dropped 21pts, and EX dropped 25 pts. In return, I recieved 400 dollars SUB, and converted the 3300 dollar loan into a no interest loan for 18 months.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 12 of 12
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