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My fico is contradicting itself.

lonelyisland
Frequent Contributor

Re: My fico is contradicting itself.


@FixMyCredit1992 wrote:

Something is SERIOUSLY WRONG HERE...

 

 

These are screen shots, all from the same report.

 

I've had a installment loan for 2 months now...

 

One reason why Fico says my score is low..

 


Have you made your first payment on the loan and has the payment reported yet?

The message suggests that no activity on a loan may be the issue, as opposed to no loan.  

 

Start: MyFICO EQ 579 (Oct 2013)
Now: MyFICO EX 717 | EQ 697 | TU 727 | (DEC 2014)

AMEX Everyday $23.5K | Chase Marriott Premier $12K | Sportsman Guide Visa $10K | Discover IT $9K | Loft MC $7900 | J Crew $7150 | Chase Freedom $5.5K | Talbots $5100 | Barclays Sallie Mae $5K | Nordstroms $5K | Amazon $3700 | Banana Republic $3500 | Macys $2500 | Cap One QS1 $1800 | Cap One QS1 $1750 |
Message 11 of 21
elPatitoFeo
Established Contributor

Re: My fico is contradicting itself.


@lonelyisland wrote:

Have you made your first payment on the loan and has the payment reported yet?

The message suggests that no activity on a loan may be the issue, as opposed to no loan.  

 


 

\I think you got it.  Not so much if he had paid yet, but if the CU has REPORTED it paid yet.  If it is anything like mine, Alliant, you can pay on day two of the month, but they will only report all accounts on the last day of that month.  So there can be a huge delay in reporting.

 

Message 12 of 21
physicist82
Regular Contributor

Re: My fico is contradicting itself.


@lhcole77 wrote:

Got a screen shot of it saying your UTL is 19%?

 

OCCU balance owed is counted towards UTL but the CL is not.

 

Edit: also, your siggy shows more cards and some diff CLs than what you listed in your thread.


I just calculated that because I was curious. 

 

Without the OCCU card's limit his limits are $3850. 

446/3850 is still only 11.6%. 

 

That's really weird. 

Message 13 of 21
subwaysandwich
Frequent Contributor

Re: My fico is contradicting itself.

45 inquiries just on TU...?

Message 14 of 21
killer_queen229
Established Contributor

Re: My fico is contradicting itself.


@subwaysandwich wrote:

45 inquiries just on TU...?


45 inquiries too many. If that's only on his TU report I wonder how many he has all together. 

Message 15 of 21
PedrokiPR
Valued Member

Re: My fico is contradicting itself.

I wonder if CC companies have closed any of his cards, I mean 45, wow....

Message 16 of 21
Kostya1992
Established Contributor

Re: My fico is contradicting itself.

I remember telling FixMyCredit1992 to garden when they just had that Discover card a while back.. guess they went agressive with it instead. With that many inquiries I would be very afraid and garden until they are all off..
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 17 of 21
subwaysandwich
Frequent Contributor

Re: My fico is contradicting itself.


@killer_queen229 wrote:

@subwaysandwich wrote:

45 inquiries just on TU...?


45 inquiries too many. If that's only on his TU report I wonder how many he has all together. 


Maybe 100+ inquiries on all three reports

Message 18 of 21
killer_queen229
Established Contributor

Re: My fico is contradicting itself.


@subwaysandwich wrote:

@killer_queen229 wrote:

@subwaysandwich wrote:

45 inquiries just on TU...?


45 inquiries too many. If that's only on his TU report I wonder how many he has all together. 


Maybe 100+ inquiries on all three reports


Most likely but hey I don't know many people who would be celebrating majority of the cards or limits he has.. I'm really not trying to be mean I just don't understand. Credit is not about winning.

Message 19 of 21
chalupaman
Super Contributor

Re: My fico is contradicting itself.


@taxi818 wrote:

Correction. His siiggy. Maybe he gas had cards a week. Come on op. Everyone at myfico knows you. 


Maybe he was busy apping for a Citi Prestige card and CSP and happy that he had a pending status and that  he thinks more inquiries will help him build credit. Yeah.........

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Best Buy (Citi) - $2k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Appliances Connection - $3.8k, Jared - $3.5k, Firestone CFNA - $1.8k (opened 2016), Williams Sonoma - $600, NY & Company - $500, Home Depot (Citi) - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 662, EQ - 681, TU - 670
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $37.3k
Total Utilization: 4%

It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 20 of 21
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