
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
My FICO scores are weird
I have a question. I am post bankruptcy (chapter 13, discharged a week ago) and thought I would check credit reports. Started with Experian and did their credit plus so I could compare scores from the other two reports. It was odd. Experian says I am a 596, but Transunion says 532, so I created an account on Transunion to check things and when I logged in, it says it is a 688? Now I am really lost. Am I missing something?

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
I see. Okay...I understand now. Now I just need to figure out how to build that up now. My wife and I had a business we opened with a partner and well..it didn't work out well..so we now have this issue. Oh well. Thanks for the info.

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
Any recommendations on building it up?

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
The only thing left is our car and our mortgage. And they are not reporting right now. They were not on the payment plan.

- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
@Anonymous you may want to stop by rebuilding forum. You'll get some good ideas on how to proceed in addition to what Oldman suggested.
- Mark as New
- Bookmark
- Subscribe
- Mute
- Subscribe to RSS Feed
- Permalink
- Report Inappropriate Content
Re: My FICO scores are weird
@Anonymous wrote:
Then get a few secured cards, Discover/CapOne, use them, pay in full every month, sit on them for as long as you can. The longer you can go without applying the quicker your scores will recover, the quicker doors will open to better options with good terms.
Absolutely reccommend......I'm starting to get into the mid 600's after having my vantage scores in the low 400's two years ago. This was the path I used. Also have a few sub prime cards, which I'll be cancelling soon enough.
Also, I know people crap all over this card, but the AMEX Green Charge card is a nice foot in the door to AMEX and they take chances on people who are improving their credit. I got mine with a 637 FICO score. Wait though on those APPS once you get some secured cards under your belt. Credit One also isn't as bad people make it out to be, unnecessary fees of course, but in the rebuilding process. Having an unsecured line can help the scores boost as well.


X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs