@stagefoursurvivor wrote:Let me state from the outset, I KNOW most of these scores are FAKOs BUT, I wondering if they provide a trend. The only score I have which is claimed to be an accurate FICO is DCU Eq late December of 651 and Amex Ex early November 589
How recent are your lates? With an AAoA in the range of 6.1-6.7 years, the score of 589 in November seems pretty low. Amex's scores are pretty close to the real FICO 08 scores in my experience. When they approved me for an account, the score referenced on the letter matched my EX FICO08.
Over the past 6-8 weeks my CRs are reporting 8-9 new cards, increasing my total CLs from $1100 to over $15K, no COs, no PRs, AAoA is 6.1 to 6.7 yrs. The most serious derogs are a few lates.
According to CK, CCMP, CredSesame all of my scores are trending upward anywhere from 40 points to 78 points.
INQs have almost disappeared on TU thanks to B*, Eq is in progress.
OK this is confusing a little bit. How have the INQ disappeared when you added 8-9 new accounts in the past 6-8 weeks? How did you get to add all those accounts without an inquiry? Did they all pull EXP and EQ? And what is B*?
I have no way of knowing my actual TU or Ex FICOs.
If it is that important to know, why not just spend the $39.98 and get the two FICO 08 scores for TU and Ex from here?
Is there any way to safely assume my scores have surpassed 700, short of new apps?
