and a merry fico score xmas to all!

bourgogne · ‎12-25-2019

welp I accidentally paid everything off yesterday good grief...just put $10 on an ihg which i had to do anyway but what a reminder lol

Peazmom · ‎12-25-2019

Proof positive that no good deed goes unpunished....LOL. Merry FICO Christmas!

@bourgogne wrote:
welp I accidentally paid everything off yesterday good grief...just put $10 on an ihg which i had to do anyway but what a reminder lol

Starting FICO 8 December 2017

FICO 8 as of 6/7/20

Sock Drawer:

GApeachy · ‎12-25-2019

My Take Home Pay Don't Take Me Home

EW800 · ‎12-25-2019

That aspect of FICO scoring drives me batty! I guess I can somewhat understand their supposed logic that it makes it look like credit is not being utilized, but I have inadvertantly allowed everything to show $0 balance a couple of times and got whacked for 10-20 points. Grrrr.

Merry Fico Christmas!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .