Fico score

[konradek]

So my average fico 635 I have signed recently in December with bunch of credit booster such as kikoff credit strong loqbox self kovo to report positive trade line to equifax experience and trans union do you guys think that those credit booster will help jump my fico score to 700 points ? What is your experiance with those credit booster I also signed with Lexington law to improve my credit any feedback ?

[Horseshoez]

Most folks will tell you the credit boosters are smoke and mirrors as the vast majority of lenders ignore the boosted scores and look at your real FICO numbers.

Regarding Lexington Law, I have yet to hear a good review regarding their services; long story short, they can do nothing for you which you cannot do for yourself.

[SouthJamaica]

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@konradek wrote:

So my average fico 635 I have signed recently in December with bunch of credit booster such as kikoff credit strong loqbox self kovo to report positive trade line to equifax experience and trans union do you guys think that those credit booster will help jump my fico score to 700 points ? What is your experiance with those credit booster I also signed with Lexington law to improve my credit any feedback ?

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Welcome to the forum, and good luck in your quest to improve your credit scores.

I think Lexington Law is fine. I don't know anything about the other companies you mentioned.

I would suggest you tell us what your credit profile is, accounts and balances, etc. and forum members will have more solid suggestions for you.

And I would suggest that you stop using any other things which claim to boost your credit, at least until you've vetted your ideas in the forum.

The best way to boost your credit is (a) time and patience (b) paying everything promptly and (c) maintaining your limits and balances in a way that the FICO algorithms find favorable.        

[konradek]

I am little consused How lender will see the diffrence between real fico and boosted  fico? How they will recognize what is the real fico score ?

[Horseshoez]

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@konradek wrote:

I am little consused How lender will see the diffrence between real fico and boosted  fico? How they will recognize what is the real fico score ?

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There are quite a few threads here on boosted scores; lenders can see both real scores and boosted scores.

[sznthescore]

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@konradek wrote:

I am little consused How lender will see the diffrence between real fico and boosted  fico? How they will recognize what is the real fico score ?

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Upon a manual review creditors will see that your accounts aren't Bankcards per se. Meaning they're just that....credit booster accounts. Kikoff, Credit Strong, Self, Kovo, & Loqbox won't really show how you manage ultilization on the account only payment history since majority of the account are only installment accounts. I would definitely STOP getting those credit booster accounts, let them age and seek accounts (after 6 months to a year) that will grow with you over the long-term.

[konradek]

Thank you for all the responses I am not looking to apply for new credit just need to boost my fico score to at least 660 as I am applying for florida residential contractor license and the state required minimum of 660 fico score and now it's 635 so will those booster give me at least 25 points to meet those requirement ?

[Horseshoez]

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@konradek wrote:

Thank you for all the responses I am not looking to apply for new credit just need to boost my fico score to at least 660 as I am applying for florida residential contractor license and the state required minimum of 660 fico score and now it's 635 so will those booster give me at least 25 points to meet those requirement ?

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Highly unlikely.  In your case, it sounds like time will be your best friend.

[coldfusion]

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@SouthJamaica wrote:

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I think Lexington Law is fine.

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They are not.  Like the others, their core competency IMO is in convincing others to pay them to do things that they could do themselves,  including things that aren't necessarily in your best interests.  

[coldfusion]

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@Horseshoez wrote:

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@konradek wrote:

Thank you for all the responses I am not looking to apply for new credit just need to boost my fico score to at least 660 as I am applying for florida residential contractor license and the state required minimum of 660 fico score and now it's 635 so will those booster give me at least 25 points to meet those requirement ?

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Highly unlikely.  In your case, it sounds like time will be your best friend.

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That is often the case.

I took a quick look and could only find a generic requirement for the 660 FICO score, nothing about a specific model or variant.  Do you know if there is a specific model like FICO 8, that is required?     Where did you get the 635 score from (and what is the model and from which CRA was the data pulled?)

Do you know why it is that your score is at 635?   Do you have things like unpaid chargeoffs or a fairly recent  bankruptcy reporting?

I can see why you're interested as it looks like that while you can still get licensed without meeting the mininum FICO requirement, you either have to put up a bond or proof of irrevocable line of credit and also take a 14 hour financial training course.