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Amex Fico


Amex Fico

So the wife gets a revolver with Amex and the FICO comes because we got the middle tier, I guess.  


Key factor that contributed to score:

#1 = number of accounts with delinquency.  


So I go pull a fresh experian.  NONE listed!  Unless you consider a 30 day late in 2006 - but I though that only hit FICO scores for 2 years.  


Any ideas smart people?!

Starting Score: 573
Current Score: 764 EX (FAKO)
Goal Score: 760 all 3

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Message 1 of 4

Re: Amex Fico

Negative items affect your score for as long as they remain on your credit report. 

Message 2 of 4
Super Contributor

Re: Amex Fico

Moved to understanding FICO scoring.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 4
Valued Contributor

Re: Amex Fico

   Sounds like you have a really clean credit report and the model had to grasp at straws and split hairs to find anything to be critical of you about. Sometimes when you have a really good score it messes the part of the scoring that provides an analysis of negative and positive contributors to your score. I would take it with a grain of salt to throw in another figure of speech to a response which is already full of them.

Message 4 of 4