@CreditDrama85 wrote:
EQ has always been my lowest score but after these recent changes I feel like I will need to purchase the score to have an idea of what my middle fico score is. I used to compare my EX and TU ficos because those seems to be the most frequently pulled. Now i will have to pull EQ in order to get a rough guess at my mid score. who else is taking this approach?
Well, for all practical purposes I really don't need to see any of my scores any more, because when my employers lost a backup tape with HR data on it they got us all two-year subscriptions to Experian Daily Monitoring and I already had my own subscription to TU Quarterly Monitoring on myfico. This monitoring should suffice to detect any errors or negative information should those appear on my history, and as for my scores I've pulled them enough times to know they fluctuate in a fairly narrow range as my credit card balances fluctuate. Whenever I anticipate applying for credit, for a couple months prior to applying I can just prepay my credit cards to keep the balances down and know that all three of my scores will likely be above 800. In any case, even in the days when I did not know what a FICO score was I have never been turned down for credit when I've applied.
That's logic. Does this mean I'm never gonna spring for my EQ score again? Probably not, being the money nerd I am most likely I will sometimes pull my EQ score in future out of obsessive-compulsive anxiety...
TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
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