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A Special Plea to Those Who Have Recent Experian FICO Scores

BobWang

By BobWang
in Credit Forum

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The last post in this topic was posted 4402 days ago. 

 

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deemac

deemac

Posted
Posted (edited)

Thought I'd add this: Don't have DH's EXP Fico, but decided to see what his C.c score looked like. It's almost identical to mine, though our files have some different accounts even as they also overlap. The thing that caught my eye though was where they analyze your score. One of the weak areas was mix of credit. It showed the following:

C-

Credit Data:

9 revolving credit accounts

0 mortgage loans

2 auto loans

1 student loan

 

 

.... However, he does have a three year old mortgage with Chase that is being properly reported. The only thing I can think of is there is something in the way it is labeled that is confusing them since it's a USDA mortgage?

 

It also gives this info:

14 total reported accounts

12 total positive accounts

2 total negative accounts

 

9 open revolving accounts

4 open loan accounts (This count would include the mortgage; along with two car loans and one student loan)

0 open undefined credit accounts

 

0 closed revolving accounts

1 closed loan account

0 closed undefined credit accounts

 

2 inquiry records

4 public records (BK7 & 3 pd tax liens)

0 collection accounts

 

$2,466 in credit debt (debating what to do about this, 1800 @ 65% utilization belongs to his mother-in-law, but the account is about 5 years older than any of our post-BK accounts and it's only on EXP)

$11,001 total credit limits

22% debt-to-limit ratio

 

$265,764 total account balances (this INCLUDES the mortgage)

$243 total minimum payments (this does NOT include the mortgage payment)

$0 amount past due

Edited by deemac
fatherof5

fatherof5

Posted
Posted

S

PSECU 693

CS 679

CK Transrisk 610

CK Vantage 663

USAA EX 668

USAA EQ 648

USAA TU 652

 

Credit.com 623 but that's last month. I can't update until the 13th. I have had two baddies drop since then. An unpaid judgment I got vacated and deleted and a 5 year old CA for $4K that was deleted.

 

I still have three baddies. One paid tax lien from 2009. One 30 day late from mid 2011 on mortgage. One paid CO paid off in June. EX has 5 good closed accounts. TU and EQ have one. The tax lien doesn't show on TU.

 

Bob,

 

Credit.com updated today

 

637 - it says my estimated Fico is 635. For me, CS is much closer to my EX Fico than credit.com.

 

Should note that there have been no changes to my report since the PSECU and CS scores other than that stupid Walmart inquiry. All accounts are the same.

BDK

BDK

Posted
Posted

July PSECU: 699

CS: 725

Cc: 707 estimated FICO: 697 estimated Vantage: 733

C$ and CCMP - STUCK on STUPID forever: 723

 

August PSECU: 695

CS: 728

Cc: 728 estimated FICO: 713 estimated Vantage: 763

C$ and CCMP - NOT STUCK on STUPID: 714

wajj

wajj

Posted
Posted

Credit.com 787

USAA FAKO 771

Credit Sesame 703

PSECU 696 (for the 6th month in a row).

 

Only negative is a paid collection (not even mine but they refuse to remove it :glare: ) from Jan 2007.

Steveo1

Steveo1

Posted
Posted (edited)

As of August 4th:

FICO PSECU 676

FAKO Credit.Com 759 Fico 779 Overall

FAKO Credit Sesame 722

 

I have 1 PR, 3 lates, 8 inquires, 19 accounts in good standing, and 2% Utilization.

My 4 negatives are all 4+ years old which I believe is making my Fako's look better than my real Fico.

Edited by Steveo1
  • 1 month later...
BDK

BDK

Posted
Posted

July PSECU: 699

CS: 725

Cc: 707 estimated FICO: 697 estimated Vantage: 733

C$ and CCMP - STUCK on STUPID forever: 723

 

August PSECU: 695

CS: 728

Cc: 728 estimated FICO: 713 estimated Vantage: 763

C$ and CCMP - NOT STUCK on STUPID: 714

 

September PSECU: 701

CS: 735

Cc: 730 estimated FICO: 715 estimated Vantage: 765

CCMP - BACK TO STUCK on STUPID: 723

  • 4 weeks later...
T1C

T1C

Posted
Posted

I think I'm still at 795... I need to update it.

 

Just got the update email, and checked I'm at 803 now.

 

Update im at 810 now.

hrguy

hrguy

Posted
Posted

Cc 469

MPM Fako 542

Cc Vantage 542

Cc Estimated Fico 500

CreditSesame 581

PSECU EX Fico 594

 

All from October.

hrguy

hrguy

Posted
Posted

Cc 469

MPM Fako 542

Cc Vantage 542

Cc Estimated Fico 500

CreditSesame 581

PSECU EX Fico 594

 

All from October.

T1C

T1C

Posted
Posted

I think I'm still at 795... I need to update it.

 

Just got the update email, and checked I'm at 803 now.

 

Update im at 810 now.

 

USAA FAKO EX-772 EQ-799 TU-791

Leo V

Leo V

Posted
Posted (edited)

(10/17, no baddies, <4% util, 4year AAOA, 6-7 inq)

CC FAKO today: 726

CC est FICO: 711

CC est Vantage: 762

 

(10/16, no baddies, <4% util, 4year AAOA, 6-7 inq)

CK FAKO 729

CK Vantage: 801

 

(9/3, no baddies, <4% util, 4year AAOA, 3-4 inq) still hasn't updated for this month

CS FAKO: 736? or 760? can't recall...site is down for maintenance right now

 

TU FICO (BOA Approval 10/1): 769

EQ FICO (USBank Approval 10/4): 710

EX FICO (Amex Approval 10/8): 764

 

Oh and Capital One pulled all three and still shot me down on the Cash Rewards card :o Must be the app spree scared them off?

Edited by Leo V
BDK

BDK

Posted
Posted

July PSECU: 699

CS: 725

Cc: 707 estimated FICO: 697 estimated Vantage: 733

C$ and CCMP - STUCK on STUPID forever: 723

 

August PSECU: 695

CS: 728

Cc: 728 estimated FICO: 713 estimated Vantage: 763

C$ and CCMP - NOT STUCK on STUPID: 714

 

September PSECU: 701

CS: 735

Cc: 730 estimated FICO: 715 estimated Vantage: 765

CCMP - BACK TO STUCK on STUPID: 723

 

October PSECU: 717

CS: 738

Cc: 732 estimated FICO: 717 estimated Vantage: 768

CCMP - STILL STUCK on STUPID: 723

AMEX FICO from letter: 755 WTH?

  • 3 weeks later...
hrguy

hrguy

Posted
Posted (edited)

For November: CS 587, PSECU Fico 625 up from 594 as of today, Cc doesnt update for me til the 19th, but last i looked it was: 469/900 with an estimated Fico of 500..not very accurate in my case. CS updated on 11/7.

Edited by hrguy
R0C

R0C

Posted
Posted

The following are my most recent scores...

CREDIT.COM 845

PSECU EX 795

 

DCU EQ 801

 

CK TU 990 Vantagescore

 

CS EX 834

 

QUIZZLE EX 760

 

 

  • 2 weeks later...
BDK

BDK

Posted
Posted

July PSECU: 699

CS: 725

Cc: 707 estimated FICO: 697 estimated Vantage: 733

C$ and CCMP - STUCK on STUPID forever: 723

 

August PSECU: 695

CS: 728

Cc: 728 estimated FICO: 713 estimated Vantage: 763

C$ and CCMP - NOT STUCK on STUPID: 714

 

September PSECU: 701

CS: 735

Cc: 730 estimated FICO: 715 estimated Vantage: 765

CCMP - BACK TO STUCK on STUPID: 723

 

October PSECU: 717

CS: 738

Cc: 732 estimated FICO: 717 estimated Vantage: 768

CCMP - STILL STUCK on STUPID: 723

AMEX FICO from letter: 755 WTH?

 

November PSECU: 720

CS: 740

Cc: 735 estimated FICO: 720 estimated Vantage: 770

CCMP - SIMPLY STUCK on STUPID: 723

US Bank FICO from letter: 703 WTH? :blink::wacko:

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