New Scores are in!

[linux007969]

Just pulled my reports and my scores!

Experian 753

Equifax: 721

Transunion: 705

I ordered scores not too long ago and i waited to use them as i let my reports reflect updated information of my Discover card, as this time i sent them a secure message asking for a manual push to update my limit, and i just checked credit karma and credit sesame and they are now reporting the 7K limit so i pulled the trigger on the MyFico score purchase.

So as usual my Transunion needs some work and that's due to a lot of inquaries which some more should fall off during this year and next year.

I'm very happy my experian score is high cuz before it was not the best.

Also nice thing is here what MyFico says for me:

Bottom Line

  

A FICO® Score between 660 to 724 is a little below average. Keep in mind, however, that many lenders consider scores in this range as acceptable. Based on your score alone, you might expect the following:

• A wide array of loans and credit products will likely be available to you.
• Most lenders will consider offering you very competitive rates and terms on loans.
• Some lenders may require additional information, such as income or time at job, to help them more accurately set the terms of your loan.

A FICO® Score between 725 to 759 is about average. Most lenders would consider scores in this range as good, and an indication that you are a dependable borrower. Based on your score alone, you might expect the following:

• It is very unlikely your applications for credit cards or other loans will be turned down, based on your score alone.
• Most lenders will consider offering you very attractive and competitive rates and terms on loans.
• Many lenders will be able to provide you with an instant approval status based on your score.

So it appears that my scores are very good for approvals and good rates.

Thanks everyone for being here for me!

[baller4life]

Good job! That's awesome!

[Anonymous]

Congrats!  Very similar to mine in that TU was much lower than the others..

Earlier this month I went on a mini app spree and scores came back approximately 790 EX, 770 EQ, 740 TU.

[phonic]

I'm curious as to why TU scores would be lower.

In my case, my TU score appears to be the highest. While all of my TLs report to each CRA, no one seems to query TU for INQs. I have 5, 3 and 0 across EX, EQ and TU, respectively.

I would think this would be the norm and TU would therefore result in a score post with less INQs, but everything else being equal. 

[FocusedAndDetermined]

Great news - good work!  Congrats!

[Anonymous]

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@phonic wrote:

I'm curious as to why TU scores would be lower.

In my case, my TU score appears to be the highest. While all of my TLs report to each CRA, no one seems to query TU for INQs. I have 5, 3 and 0 across EX, EQ and TU, respectively.

I would think this would be the norm and TU would therefore result in a score post with less INQs, but everything else being equal. 

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In my case there were no inquiries on any report since I hadn't apped for anything in more than 12 months.  I actually pulled TU (expecting a baddie) when I realized the score was so much lower, but nothing negative was on it.. Leaving me even more baffled since, like you, all of my TLs report to each CRA.

[negg]

Experian CR is thorn in my side, both EQ and TU are 700+ while EX sits at 689.  And. it's the most pulled CR.   

[indiolatino61]

A FICO® Score between 725 to 759 is about average. 

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A 759 is just average? That seems like they're low-balling it a bit, don't you think? All I've ever seen is that anything above 720 is excellent, or at least "good." But certainly not just average.

[blondy250]

It's excellent on forums where people are rebuilding or starting out with credit, but I agree 725 being average and 759 average/good.

[Kratos-TM]

The 98 version of TU doesn't like me. But I think the 04 and 08 versions probably do. But I don't have a way to get those.