Re: Where to find SPs from EQ and TU? - myFICO® Forums

Birdman7 · ‎03-04-2019

OK so we all talked about where to find SPs for EX. Wonderful. Now, other than going through annualcreditreport.com, is there an easy way to access SPs from the other two CRAs?

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)

Hex · ‎03-04-2019

One day I was online filing a dispute and I think I might have seen a section with of all of my inquires listed. It was awhile ago so can’t be entirely sure. I never ended up filing the dispute after all.

Birdman7 · ‎03-04-2019

You are absolutely correct as far as EX goes. We are now trying to find a way for EQ and TU, or are you suggesting the same may be true there as well?

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)

Hex · ‎03-04-2019

I don’t think I’ve ever started a dispute on Experian.

Birdman7 · ‎03-04-2019

Definitely worth looking into the definitely worth looking into then.

-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)

BrutalBodyShots · ‎03-05-2019

The only place I've ever seen my SPs is on my real hard-copy credit reports.

Hex · ‎03-05-2019

I’m pretty sure I’ve seen ‘em when I’ve go online to dispute.

James_A · ‎03-05-2019

@Birdman7 wrote:
OK so we all talked about where to find SPs for EX. Wonderful ....

"We all"? Linkage please?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board

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CreditCuriosity · ‎03-05-2019

This thread is now locked. I would advise if you are really curious call the CRA and ask for your credit report and it will show it or see the SP's on your annual credit report which is free each year. Disputing items to see SP's isn't appropriate method to obtain this information