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EQ FICO

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smallfry
Senior Contributor

EQ FICO

No change. Newest CC turned 1 last month my car loan a year this month. So no accounts opened in the past year. Utilization 1% rounded up. 2 accounts out of 6 reported a balance the credit card a very small balance at that. 3 months ago Simulator showed a range of 756-796 for 24 months now it shows 736-776. 4 open credit cards a Walmart card and an open car loan. I have credit cards with two major banks and credit cards with two credit unions. WTF is up with that? 696.
Message 1 of 6
5 REPLIES 5
haulingthescoreup
Moderator Emerita

Re: EQ FICO

Huh. When you had the higher projected range, did you have one card or two reporting? Did your negative(s) change from the old report to the new?

Sometimes I feel like you, marty56, and I are sitting at a picnic table at a public park, waiting on the hot dogs to get done, absent-mindedly tracing the carvings in the wood, and swatting at yellow jackets. Not a lot to do but wait, is there?
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 6
llecs
Moderator Emeritus

Re: EQ FICO


haulingthescoreup wrote:
Huh. When you had the higher projected range, did you have one card or two reporting? Did your negative(s) change from the old report to the new?

Sometimes I feel like you, marty56, and I are sitting at a picnic table at a public park, waiting on the hot dogs to get done, absent-mindedly tracing the carvings in the wood, and swatting at yellow jackets. Not a lot to do but wait, is there?

 

Mmmmm, hot dogs.
Message 3 of 6
haulingthescoreup
Moderator Emerita

Re: EQ FICO


llecs wrote:

haulingthescoreup wrote:
Huh. When you had the higher projected range, did you have one card or two reporting? Did your negative(s) change from the old report to the new?

Sometimes I feel like you, marty56, and I are sitting at a picnic table at a public park, waiting on the hot dogs to get done, absent-mindedly tracing the carvings in the wood, and swatting at yellow jackets. Not a lot to do but wait, is there?

 

Mmmmm, hot dogs.

* shifts over to make room for llecs * Smiley Very Happy
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 6
smallfry
Senior Contributor

Re: EQ FICO


@haulingthescoreup wrote:

@llecs wrote:

@haulingthescoreup wrote:
Huh. When you had the higher projected range, did you have one card or two reporting? Did your negative(s) change from the old report to the new?

Sometimes I feel like you, marty56, and I are sitting at a picnic table at a public park, waiting on the hot dogs to get done, absent-mindedly tracing the carvings in the wood, and swatting at yellow jackets. Not a lot to do but wait, is there?

 

Mmmmm, hot dogs.

* shifts over to make room for llecs * Smiley Very Happy

Hauling this is the same report or as close as you can humanly get it. 370 bucks reported on 1 card both reports and car laon has been paid down severely not that that makes a difference. Same neggies same positives and the accounts are 3 months older. Only difference is the now closed BofA card. Might be it dunno.I guess I have to wait until April to get a true read with a clean report.

Message 5 of 6
jackg
Established Contributor

Re: EQ FICO

:smileyvery-happy::smileyvery-happy::smileyvery-happy:
FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
Message 6 of 6
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