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FICO is doing better - a couple questions.

Valued Member

Re: FICO is doing better - a couple questions.

Thanks guys

FICO8 -- Equifax:646 TransUnion:633 Experian:635
Mortgage -- Equifax:573 TransUnion:592 Experian:554
Message 11 of 12
Moderator Emeritus

Re: FICO is doing better - a couple questions.

llecs wrote:

HiLine wrote:

Why is it 9% or below and not 1%?

I can recall a couple of posters, psychic is one, who went in depth about changes to their FICO(s) when they let 1% report, 2%, 3%, and so on. At least one found their sweet spot at 5%. But it's certainly a YMMV thing. It might be 1% for one or 9% for another.

Guilty!!!  Mine is at 4%.  And I've tested it a few times.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 12 of 12