That's huge! I saw on another thread that someone said multiplying the vantage score by .86 might give me a better idea, so I bought the experian vantage score today. It was 843, which if the formula works, would put EX FICO at 724. I'm in the process of a refi so it's incredibly important. Fortunately the bank is behind in processing the loan apps, so my lock is going to get extended.Last month I paid $9,200 off on a cc that had a limit of $9,500 and B of A just reported it to EX today, which boosted my plus score quite a bit.
It's so frustrating not being able to get my hands on a real fico for EX. The bank will pull them again when they get closer to closing the loan, but the last thing I need is another hard credit inquiry. My lock is based on my husband's score, but I need to be on the loan in order for us to qualify.
My score has taken a beating over the last 13 months. A number of my old paid accounts fell off, so my AAoA has gotten much younger. Several of my cc's (old ones too) closed the accounts due to inactivity, which not only affected AAoA, but also raised my util. My HELOC limit (on another house) was cut from $96K to $46K and I have attempted the refi several times in the last 13 months, but it never quite worked out, so all I ended up with were hard inquiries. Grrr.
