Auto Loan Is Killing My Utilization.. Help Please??

[750orbust]

Mortgage lenders use all three

[Anonymous]

The one from here is a FICO score TU98.  It is an older model but a FICO.  The one from TU 3 in 1 is not a FICO.

[Anonymous]

Mortgage lenders use the middle of your 3 FICO scores. The only one you can know for sure is the Equifax one. TU98 from here is similar to but not the same as the TU04 FICO they typically use. You cannot purchase your Experian FICO score. If you live in PA, you can get it, though.

If you have been rejected for a credit limit increase or for credit becaue of a FICO score, the lender has to give you that score. You also can get a free report from it. Not a good idea to get HPs to do it, but if you've already been rejected, it's a silver lining.

[djpolo]

just got a score watch update. due to my new secured card reporting

myfico score jumped to 598 up 34 points from 564

equifax score watch fell to 568 , down 17 points from 585

didnt pay for another transunion score, gonna wait until next month when all of the collections i paid for delete fall off.

also, my utilization fell to 9% with the reporting of the new card... they opened the account with the $44 annual fee, will be paying it off as soon as card comes in mail.