Experian Fico Will Not Change

[ddemari]

I ordered my Experian Fico through myfico back in March of this year and it is still the same score today, 6 months later!

Within that 6 months, my accounts opened in the past year went from 9 to 3, my utilizatrion in March was 36% and since April to now it has been between 1-3%, Inquires back in March were 6, today there are 4. 

MY AAOA has stayed the same, experian even removed an old charge off for me via dispute. My EQ and TU Fico's are constantly changing, but EX no dice.

I just think its weird, it never changes. hahaha. 

[vanillabean]

I was in the Virgin Islands once. I met a girl. We ate lobster, drank Piña Coladas. At sunset we made love like sea otters. That was a pretty good day. Why couldn't I get that day over and over and over?  A split EX file perhaps?

[ddemari]

Thank you for your reply. I don't think its a split file because after reviewing my Experian credit report from March to September, everything is correct and reporting how it should be. All my cards are reporting right and student loans are reporting right, which took me forever to look over that section. My credit report has improved in my eyes and on paper but the score is still stuck. 

[Anonymous]

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@ddemari wrote:

Thank you for your reply. I don't think its a split file because after reviewing my Experian credit report from March to September, everything is correct and reporting how it should be. All my cards are reporting right and student loans are reporting right, which took me forever to look over that section. My credit report has improved in my eyes and on paper but the score is still stuck. 

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of of topic but we have  2 cards in common... (bump)

[CreditPlay]

Thats weird. Did you try contacting myfico CR if they can give you any insights whats going on?

[ddemari]

No I haven't. Is that an email or phone call thing? 

[CreditPlay]

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@ddemari wrote:

No I haven't. Is that an email or phone call thing? 

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Thats an email, there is a Support link at the top right corner of myfico.com which i generally use.

[ddemari]

thank you! i never clicked that button before! haha

[CrankyDave]

My Equifax stayed within a 4-point range for 6 months while my other two scores showed a considerable jump on other sites. It then randomly jumped 16 points a couple weeks ago, even though I did nothing different, paying my credit cards in full each month as I have for the past 18 months. It's enough to make me doubtful as to whether this site is actually doing anything other than charge me each month. But given how little impact anything I've done has had on my scores, the whole credit score thing seems more and more like a system that you have to game to get anywhere.

Yes, I'm a wee bit disheartened.

[bdhu2001]

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@CrankyDave wrote:

My Equifax stayed within a 4-point range for 6 months while my other two scores showed a considerable jump on other sites. It then randomly jumped 16 points a couple weeks ago, even though I did nothing different, paying my credit cards in full each month as I have for the past 18 months. It's enough to make me doubtful as to whether this site is actually doing anything other than charge me each month. But given how little impact anything I've done has had on my scores, the whole credit score thing seems more and more like a system that you have to game to get anywhere.

Yes, I'm a wee bit disheartened.

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Did you use the simulators to see what impact paying cards, etc would have? EX is my top score and simulators showed I needed to pay less than $500 for the other CBAs to increase, but over $5418 for EX to increase.  It also showed that 3 months of payments would make a difference in the other CBAs, but I needed 6 months before a change would occur with EX.  There were other scenarios I tested on the simulator, but you get my point.