I bought my EX FICO here and it was a 675 so I felt trigger happy and app'ed for AMEX BCE and just recieved my denial letter which stated my EX FICO was 644. I would have never app'ed for an AMEX card if it was a 644! I thought I got a credit bump due to Navchek reporting my new 6500.00 LOC which lowered my utilization nicely. So I guess my EX FICO score purchased here is insignificant? Also my Walmart Trans FICO is lower than my Trans FICO purchased here. I know there are different FICO models, but it seems like the scores purchased on this site uses my Navchek LOC as part of my credit card utilization- if that makes senses....... How exactly is Navchek reporting? Is it really helping utilization? Or only FICO scores purchased here counts the Navchek limits as overall credit utilization. Please help. Greatly appreciated! Also I checked my CR's and credit scores before Navchek was reporting and when they actually did start reporting on April 1rst. I bought the before and after scores here. Before Navchek scores were 651 for EX and now it's 675..... Hmmmmm AMEX is using the "before Navchek" scores.....Why?! Should I recon? Thanks in advance
Cap One QS 1950, NFCU 7000, NavChek 6500, Cap One secured 750, IFCU 1000, IFCU (overdraft line of credit) 1000, Express 3100, NY&Co 2650, Victoria's Secret 2650, Exxon/Mobil 300, Zales 500, Kay's 900, Walmart 3500, Bloomingdales 1000, Belks 850, Paypal Smartconnect 1300, Chase Freedom 2000,Chase Slate 500. Gap 4000, BP 3000, Amazon store card 3500
