Fico Experts - Help on 4 store card's and Fico 8 Scoring

[Anonymous]

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@Anonymous wrote:
There is a car score and a home score and then there’s the score from TransUnion (CK) and the score from Equifax(LN).

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Right, but it looks like on CK they suggest that their auto/home scores are tied to TU:

[Anonymous]

They do but they offer home and auto scores I’m asking which one he is talking about.

He’s definitely talking about the one from TransUnion because he’s accessing it via CK

[ibebarrett]

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@Anonymous wrote:
Very well said BBS!

Ibebarrett First off are you talking about your home insurance score or your car insurance score?? Secondly you are talking about the CK TU score. Well contributor TT may chime in, he knows quite a bit about the subject, but I can tell you inquiries and new accounts it’s very sensitive to that. How many inquiries do you have in the last 25months at TU? What happened around the time of that score drop? were there multiple inquiries or multiple new accounts opened?

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CK's Car Insurance score powered by TU specifically. TU was actually my highest score at the time. That month I applied and was approved for a CareCredit Card, including that application, I was at 3 inquiries in the prio 25 months. The most recently opened card before that was almost 2 years prior. Funny thing was my credit score went up at the same time my insurance score went down because I had finally brought my utilization way down!

[Anonymous]

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@Anonymous wrote:

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Right, but it looks like on CK they suggest that their auto/home scores are tied to TU:

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So the difference between a 'basically perfect' FICO score person and 'nOOb' (me) is this:

[Anonymous]

CK definitely sources TU data for its credit-based insurance scores. No doubt about that.

Yeah that carecredit card hurt you. They do not like retail cards at all. And they don’t like inquiries or new accounts either. I think a lot of it will come back within 24 months after those inquiries fall off and those accounts age. My understanding is your take a hit for retail cards. CGID knows a lot about it as well.

[Anonymous]

FWIW, of my 7 CCs seen on my TU report, 6 of them are major bank cards and 1 of them a store card, Lowe's through Synchrony.

[ibebarrett]

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@Anonymous wrote:
CK definitely sources TU data for its credit-based insurance scores. No doubt about that.

Yeah that carecredit card hurt you. They do not like retail cards at all. And they don’t like inquiries or new accounts either. I think a lot of it will come back within 24 months after those inquiries fall off and those accounts age. My understanding is your take a hit for retail cards. CGID knows a lot about it as well.

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Well at least it's my only retail card I suppose. If I'd have known then I would have found another way to cover the surgery. Would the Costco Citi card count as retail?

[Anonymous]

Costco Citi is not retail, if it has one of the four logos on it. Anything with the MasterCard Visa American Express or Discover is not retail.

[ibebarrett]

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@Anonymous wrote:
Costco Citi is not retail, if it has one of the four logos on it. Anything with the MasterCard Visa American Express or Discover is not retail.

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that makes sense! thanks! at least I only have one retail card i guess it could be worse

[Anonymous]

Very true I only have mine because they are my oldest