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paid off credit card

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Anonymous
Not applicable

Re: paid off credit card

Fico 9 score is 748 and fico 4 is 658 Smiley Sad

Message 11 of 13
DeeBee78
Valued Contributor

Re: paid off credit card


@StarkesHerz wrote:

ok, sounds like the the paid tax leins of $5 and $68 are hurting me, also i like to buy 2 new cars a year which is why so many inquires . 


Stop letting the dealer do your financing. Get a preapproval through the manufacturer's lender, or a credit union. Then you're only taking a couple inquiries a year, not getting rate-shopped. 

 

 

Message 12 of 13
Thomas_Thumb
Senior Contributor

Re: paid off credit card


@Anonymous wrote:

Fico 9 score is 748 and fico 4 is 658 Smiley Sad


Collections, if paid don't count against you in Fico 9 and both Fico 8 and Fico 9 are more forgiving toward medical debt. Fico 4 does not give you a break for paid collections or medical debt. If you are willing, some details about your profile may provide insight as to your score difference.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 13 of 13
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