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@notmyname wrote:
Do you think the new FICO 08 , or some subsequent model will ever deal with the charge card issue. I have built such a good record and score using mostly amex products. I am happy with where I am , but do wonder where I might be with my score if I did not rely so heavily on amex (that's not going to happen though).
It is frustrating to me because I have plenty of credit in use but I believe it is paying off several amex cards on time , every month , for years that should really be telling about my ability to handle credit.
good question!
@haulingthescoreup wrote:
@notmyname wrote:
Do you think the new FICO 08 , or some subsequent model will ever deal with the charge card issue. I have built such a good record and score using mostly amex products. I am happy with where I am , but do wonder where I might be with my score if I did not rely so heavily on amex (that's not going to happen though).
It is frustrating to me because I have plenty of credit in use but I believe it is paying off several amex cards on time , every month , for years that should really be telling about my ability to handle credit.
I understood that EQ and EX have started handling these correctly, and TU is still using an older model. Is your TU score significantly lower than the other two, or are they all affected.
@Anonymous wrote:755-805 Actual 785
Hauling......... you are a genius. I don't know when this started but some time this past summer EQ and EX zoomed out past TU, although they were always higher.
Thanks for the insight,
RP
@notmyname wrote:
Hauling......... you are a genius. I don't know when this started but some time this past summer EQ and EX zoomed out past TU, although they were always higher.Thanks for the insight,
RP