Got my Fico score from DCU and from what a member told me they use FICO 5 my score was 644
But from what I seen these formulas consider medical collections more heavier than other versions correct? I do have one medical collection that I have already gotten off of EXP just waiting on EQ and TU.
But from what I seen these formulas consider medical collections more heavier than other versions correct? I do have one medical collection that I have already gotten off of EXP just waiting on EQ and TU.
@Jnbmomwrote:
Got my Fico score from DCU and from what a member told me they use FICO 5 my score was 644
Great idea about pulling your three FICO 8 scores. Costs a buck at CCT. I'd do it on the exact same day that the DCU pull was done (DCU should be able to tell you when their score is done).
We can help you better if we understand your goals. For example, are you hoping to apply for a DCU product? Some loan or CC with someone other than DCU? What loans/cards and when?
Have you paid all cards to zero except one with the remaining card reporting a small balance? That's a good baseline for what you can hope for, though your desire to get derogs completely removed is very wise.
Thanks. Yes I am able to get FICO 8 from EXP and TU for free
It was EQ that I can't access for free but as another poster told me DCU was the Fico 5. I don't plan on purchasing or refinancing in the near future so it will be interesting to see how the scores compare. I will probably buy an EQ once my CLIs and lower balances report. And hopefully the medical collection will be removed from EQ and TU , EXP has already removed. Of course back in the old days I seem to remember "disputed" accounts weren't factored into scoring but don't know if that is still the case as the collection is under dispute with EQ. But it will be fun to see what my scores can be in a few months
It was EQ that I can't access for free but as another poster told me DCU was the Fico 5. I don't plan on purchasing or refinancing in the near future so it will be interesting to see how the scores compare. I will probably buy an EQ once my CLIs and lower balances report. And hopefully the medical collection will be removed from EQ and TU , EXP has already removed. Of course back in the old days I seem to remember "disputed" accounts weren't factored into scoring but don't know if that is still the case as the collection is under dispute with EQ. But it will be fun to see what my scores can be in a few months
@Anonymouswrote:
@Jnbmomwrote:
Got my Fico score from DCU and from what a member told me they use FICO 5 my score was 644Great idea about pulling your three FICO 8 scores. Costs a buck at CCT. I'd do it on the exact same day that the DCU pull was done (DCU should be able to tell you when their score is done).
DCU pulls on the last friday of each month. So 3/30, 4/27, 5/25 should be the next 3 dates. They are a little less consistent on the time of day.