Question about my FICO SCORE

Anonymous · ‎07-08-2021

Will it help or hurt to pay off a charge off last updated in June 2019. Should i wait for it to fall off or would it be better to pay if off right now. i need to improve my fico as soon as possible. If i wait it wouldnt fall of my credit report until about 2025.

SouthJamaica · ‎07-09-2021

@Anonymous wrote:
Will it help or hurt to pay off a charge off last updated in June 2019. Should i wait for it to fall off or would it be better to pay if off right now. i need to improve my fico as soon as possible. If i wait it wouldnt fall of my credit report until about 2025.

I think you mean your FICO score, not your RICO score.

Paying it off would help some of your scores.

Try getting a "pay for delete"... i.e. tell them you would pay it off if they remove it from your credit report. If they won't do it, pay it off anyway.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

spiritcraft1 · ‎07-09-2021

The Rico score is for Mobsters and corrupt Corporate types.

$30k, approved for 15k 10/11/21 @ 807 EX FICO 08 - 61 day 2x cli

$15k, approved after 2 weeks 5/21 @ 698 EX FICO 09 Bankcard

$19k, started as a $5k secured card in 2016 @ 408 FICO, unsecured 12/18 @ 600 FICO

$10k (10/23) @ 785 TU08 - Denied, Approved after Recon

$10k - approved (12/19) at $1k @ 648 FICO

Biz |

Business $9k - 04/06/21 @ 686 SP FICO, 61d 3x CLI to $9k

Business $28k - 07/6/21 @ Instant 689 SP FICO

Business $15k - 03/1/22 @ Instant 795 SP FICO

$15k Biz 2% card, approved after 5 days 7/21 @ 685 EX FICO 09 Bankcard, 93 Biz EX score

$25k Biz instant approval 10/21 @ 790 EQ FICO, 99 Biz EX score

$23k Biz instant approval, ID Verification 10/22 @ 802 EX FICO

$14k Biz instant approval 10/22 @ 802 TU FICO

Elan Hawaii National Bank Biz Visa- $8k instant 10/22 @ 806 TU FICO

US Bank Triple Points Visa - $20k in branch 11/3/22 @ 809 TU FICO, 1/12 new accounts, no USB history

Elan Business Visa from Midland Bank for new LLC, Instant $17k 11-22

PNC Business Visa for new LLC, $15k, took a week. EX 820 HP! 11-22

FNBO Evergreen Business MC for new LLC, $13.7k, instant EX HP 805 EX BC09 4-22

Chase Ink Premier $8.8k Flex, $44k Spend, instant EX HP 756 | 09-23

Barclays AA Business MC - Measly $2k SL but got the 80k Sub, 819 TU | 03-23

Current F08 -

Current 2,4,5 -

Current F09 -

No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

SouthJamaica · ‎07-09-2021

@spiritcraft1 wrote:
The Rico score is for Mobsters and corrupt Corporate types.

Oh, well there I excel Do they have a "resilience index" for mobsters? I'm very resilient under torture

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎07-10-2021

Can someone please tell me what a RICO score is? is it another wortless score like the Vantage scores are?

Thanks

Mark

FinStar · ‎07-11-2021

@Anonymous wrote:
Can someone please tell me what a RICO score is? is it another wortless score like the Vantage scores are?
Thanks
Mark

Yes, it's on the Suave scale from 200 - 900 😂

It's likely the OP made a typo given the F key is fairly close to the R key. So, you can put your mind at ease that there isn't another unworthy scoring version floating around