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  1. So I can see all three CUs. But I see your point, no lenders even use VS IMHO. What are the FAKOs? I thought vantage score was the FAKO score. When my score was higher, I noticed there was a wide variance between FICO and vantage scores, with VS usually +30, so I could estimate the FICO since it was always 20 or 30 points lower. Now that I have a lower score (less than 600), the difference is smaller. Or perhaps that's just my unique credit profile.
  2. Can anyone confirm if the Wallethub Credit Score Simulator is reasonably accurate, say to +/- 10 points? Their FAQ says that they use vantageScore 3.0 with Transunion data. I have attached a screenshot of their FAQ, since they won't let you copy the text and it's not in their public FAQ. I'm still trying to understand how to use @BobWang's fico spreadsheet. imghost
  3. I did see some cells with sum and average, is that where they are?
  4. Here's the spreadsheet format that I use to track my scores and the actions to improve the score. I realize that some are redundant, but since these are all free services, I can get a new score every 3 days by checking one of the scores below (example, creditkarma updates every five days, so 2-3 days later after checking creditkarma, I can check creditsesame for a new TU score). How do you track your score (for free)? Or am I watching the score too closely? Should I check on the same day each month? date FICO FICO Score 8 (Discover) Experian FICO Score 9 (Wells Fargo) Transunion VantageScore 3.0) (Capital One creditwise) Transunion VantageScore 3.0 (Credit Karma) Equifax VantageScore 3.0 (Credit Karma) Equifax VantageScore 3.0 (my.equifax.com) Transunion VantageScore 3.0 (Credit Sesame) Credit Sesame Monitoring Alerts Events Transunion (Capital One) (TU New Account Model*) Cards payment due statement date Discover Delta Chase rows 6 to 24 are FICO Bankcard Score 2 - Experian Data (Wells Fargo) capital one wells fargo paid tradeline wells fargo Account: WELLS FARGO Credit Limit of Tradeline: 600 Opened new Discover It card July 7 648 FICO experian [from discover card application] $750 credit from tires plus. froze EQ and EXP. rows 28 and below are FICO Score 9 - Experian Data (Wells Fargo) paid 600 on discover. Score only went up 5 pts target piggybacking
  5. If it powers on, Recuva will work, but use the deep scan option. I think it's called "scan all sectors". Testdisk works too but is more technical.
  6. While the thread below is good, could someone make a youtube video on how to use it? Where are the formulas stored? I don't want to change them, I just want to learn from them. cc @BobWang
  7. Also use Gethuman.com to locate the best number for reaching a person at any company. They used to have a feature where they would dial the number tree and then wait on hold for you, but it doesn't seem to work anymore.
  8. One more question, we purchased an amex tradeline that reports on the 9th. How long will it take to show up?
  9. 123890

    FICO Formula?

    Thanks. Got a few laughs from the other links as well. Why not sue fair isaac in a class action lawsuit? How do I use BobWang's spreadsheet? (Edit: nm, found this great thread : https://creditboards.com/forums/index.php?/topic/606047-newbies-intro-to-the-marvels-of-bob-wang-fico-calculators-the-master-graphs-thread-etc/ )
  10. Not for mortgage, mainly gotten for opening a new CC to fund the 2k to 3k we are short on for buying the house with cash.
  11. I am looking to get a higher limit credit card, ultimately I want to be able to purchase a small property and get a rehab loan. My score was 720 in January and since opening 4 cards and a few late payments, my score is now 550 (the highest limit is 700, and I have $2420 in total CC balances). I have an eviction judgement, 800$ at a credit union loan in good standing. Would a 20k AU tradeline help?
  12. We'll see bourgeoisie (bougie for the english impaired) luxury yurts with lease purchase options 😆
  13. Has anyone reverse engineered the fico formula even somewhat accurately enough, to be useful? The reason I ask it that the FAKO scores are always 20 to 40 points higher than the FICO score shown by wells fargo (fico 9). Also, I see that my wells fargo fico 9 score is 20 to 30 points lower than fico 8 (discover.)

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