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  1. Equifax Digital FCU Equifax5.0 FICO score: https://www.dcu.org/...e_checking.html M&T Bank Equifax5.0 FICO :score ($2.99 per month) https://www.mtb.com/...edit-score.aspx Unitus Community CU (Oregon resident, Checking, e-Statements & Loan Product) https://www.unitusccu.com/personal/online-services/my-fico-score/ Experian PSECU Experian FICO '04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD]) https://www.psecu.com/fico/ Visions FCU MAY get Experian FICO when applying for loan products: https://www.visionsfcu.org/ TransUnion Lending Club (TU 04 300-850) htt
  2. PSECU EX FICO's are now up for June and for the first time ever, my FICO score is in the 800+ range. Per BobWang's request, I'm starting "The Master "How I Got In the 800 Club" Thread. Instead of a simple "success story" post, I thought I'd outline just what it was that led me to get to the 800 club, particularly as it relates to others starting with very little or no credit. Others can feel free to add their own stories. My Story Back in early 2010, I was a recent college grad and decided it was time to start building credit. I didn't know anything about credit, but I wanted to es
  3. If you want to contribute, ONLY use plain vanilla generic FICO® 8 like myFICO, Barclays or Walmart, what we refer to as Eq08, Ex08 or TU08. Do not use Bankcard or Auto Enhanced versions. If you have 2 FICO® 8 scores, average them, with 3, use the mid score like with mortgages. e.g. BobWang Mid-Score 833, Avg CL $20k
  4. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2330942 There is a .pdf file to download. Lots of interesting info. The abstract is below. Abstract: We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act. We use a panel data set covering 160 million credit card accounts and a difference-in-differences research design that compares changes in outcomes over time for consumer credit cards, which were subject to the regulations, to changes for small business credit cards, which the
  5. Does DCU give out Equifax FICOs with accounts other than Credit Cards? I thought I read somewhere that they include it if you have a savings account with them, does anyone know if that's correct?
  6. Last months thread Mine is up from 744 to 787!
  7. I got a Wal-Mart card in last month's spree so I tried to sign up for the free FICO and it says I have to unfreeze it. Does it have to stay unfrozen to work? I don't really feel like paying $10 to unfreeze/refreeze for them, but I would like to know how it works. Is this true with the other TU free FICO credit cards as well? I know you can bump TU but I want to control who can put HI's on my report.
  8. 1) Most of them are FAKOs 2) There are SO many ways to get REAL FICO Scores for free, like: Equifax Digital FCU Equifax5.0 FICO score: https://www.dcu.org/...e_checking.html M&T Bank Equifax5.0 FICO :score ($2.99 per month) https://www.mtb.com/...edit-score.aspx Unitus Community CU (Oregon resident, Checking, e-Statements & Loan Product) https://www.unitusccu.com/personal/online-services/my-fico-score/ Experian PSECU Experian FICO '04 score: (2 Soft Pulls, + Checking [sOFT?] or CC/Loan [HARD]) https://www.psecu.com/fico/ Visions FCU MAY get Experian FICO when appl
  9. i have an issue with my Tu. I get it every month via Discover. Does anyone else have an issue with wild fluctuations month to month? Im going to want a car soon. Id rather walk in with a "good" credit score rather than a "fair" one. I have a friend who says his is the same every month. He has much better credit, I dont know if that makes a difference. Lets see. I use all my cards at least every other month. I pay off balances within two weeks most of the time. I do use one card much more than the others because it has a lower interest rate. My utilization rate has been 10% or less
  10. Hello, I ran across the following article on myfico.com... seems to be very legitimate way of rebuilding one's credit score to 700+ post-bankruptcy. Please see: http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p/1384075/highlight/true#M9218 If anyone has a successful plan that they have followed, kindly post. I am currently preparing paperwork to file my Chapter 7 Bankruptcy case; I plan to use this method post-discharge to rebuild my credit. If I posted this in the inappropriate place, I apologize. I am new and am still navigat
  11. I just ordered my free annual reports - by mail. I also wanted to get my FICO scores but I can't see any way to get JUST the scores. Experian has a phone number to get a "score" if I have already ordered my report, but I'm pretty sure that's a FAKO - and I can't find any links for just scores on any of the others. Does anyone have any links or suggestions on how to get JUST my FICO scores from all 3 bureaus?
  12. HI: I am trying to put together a strategy for the next couple of months. My biggest issue is that I have no open credit, so my numbers are completely in the tank (508, 519, 517). My main short term goal is to get a new car. I am not in a giant rush, but sooner would be better than later. I've run my numbers by Marv Bear and he said that I can qualify with a large (4-5K) deposit. Either way however, I am faced with this hurdle of no open credit and the car loan won't help. I am wondering if I am better off holding off on the car and using some of my down payment on a secured card
  13. +40 to 721 My third 1992 Amex reported and I passed an anniversary on my student loan baddies. I also lost a few inquiries, but I doubt that is responsible for much.
  14. So I've been bored a bit and had a weird thought. The installment loans that I have on my reports don't do that much for me currently (all positive but I have 22k in student loans, 29k left on my car and you could throw in my mortgage I guess). The thing is that they are all less than 2 years old and the balance vs the original amounts is still really high. This got me thinking, has anyone ever tried getting a p2p loan (2k-4k) then paying it off in 4-6 months, followed by a bigger one (4k-6k) then paying that off in 4-6 months and then rinse repeat a few times? Obviously this will k
  15. Just got a denial for my DW to CLI her NFCU CC from $22K with total exposure $72K. Letter with denial says her score is 700 and lists the reasons it is not higher as: Serious Delinquency And Public Record Or Collection Filed Number Of Accounts With Delinquency Too Many Consumer Finance Company Accounts Length Of Time Accounts Have Been Established I'd like to identify the Consumer Finance Company Account(s) on her report. Looking at her report, my best guess would be that there is only one: Capital BankWhich was a secured credit card she had back in 2010 right after BK discharge, but I'
  16. I asked these questions in another forum under a certain pretense, but didn't get a reply. Instead of bumping the thread there, I will ask the direct questions here: I am a subscriber to this service. Once a year, they give me my 3 credit scores; However, they have recently (past year, give/take) merged with Equifax, and thus I get my Equifax score monthly. Is Mint Credit considered a FAKO, or an (at least) "partial FICO" because of their relationship with that one CRA? Anyone aware of the general accuracy? Anyone have actual experiences, pro or con with Mint Credit? I don't
  17. Just to get it out of the way, it's not a "something else happened" scenario. My gas utility reports to EQ and TU. EQ generally updates the balance monthly for whatever the bill is for the month (TU is more infrequent). Sometimes the same balance will display for a few months, then it will be updated. My balance has recently been reporting as $140 for the past several months. Now it has updated on EQ to $39, which is a 72% decrease. As a result, my EQ04 dropped 12 points and my EQ08 dropped 7 points. Does anyone know if there are any FICO intricacies that would cause an
  18. Hi CB'ers. For a brief back story, my credit journey started 4 months ago when I joined this site and I've enjoyed about 40 point increases on average for all three FICO scores since then. I'm shopping for a house in the spring (fha loan) and I need some advice to maximize my credit scores and clean up CRs in preperation. My 3 ficos were inthe 590-605s when I joined here now they're in the 640-650 range. I removed approx 9 lates/derogs, paid off 3 cc's to reduce my util to about 45% of 12.5k (still plugging away and plan to be below 20% by home loan app time), paid off 13k car loan, and got a
  19. I received an alert from Equifax that my fico score increased from 788 to 816. My EQ 08 score from myfico is 814. I have 3 accounts reporting balances on EQ. It seems very unlikely that my EQ 04 score is 816. I'm wondering if EQ SW might have switched to FICO 9.
  20. In my late teens I was out on my own and very troubled. I used to need weekly therapy visits and other various medical services, and though I had insurance through the community college I was going to, I often couldn't pay the copayments. I let the bills stack in a high pile in my living room, and going near them put me into a panic attack. Around 7 years ago I decided enough was enough. I checked my credit reports and found that my scores were in the low 500's, and I had 5-7 collections on each report. I also had a credit card with a $2k limit, which I had maxed out for car repairs ye
  21. 4 new scores x 3 credit bureaus = 12 new FICO scores "Fair Isaac, the company behind the FICO credit scoring system, announced the latest generation of their credit scoring software. The new suite of FICO scores, called FICO 9, is a standard redevelopment of their commonly used credit scoring models." http://www.creditsesame.com/blog/what-you-dont-know-about-fico-9/?utm_nooverride=1&ref=Newsletter_08-29-14&utm_campaign=website&utm_source=StrongView&utm_medium=email
  22. Hey fellow Canucks, We need some more activity in this forum! I have to admit i am pretty green with envy at the credit card offers Americans get. They have such great bonus offers and so much selection,benefits, you name it! One thing that interests me is the free FICO scores more and more cards seem to be giving. Canada doesn't have anyone that does that do we?! Also, Americans have so many options for 3rd party sites that pull, most times for free! I wish those sites could be Canadian equipped, or someone made one for us. If anyone on here knows anything, could you maybe list some g
  23. I'm trying to help a friend who is helping their brother buy a home. My friend has excellent credit ~780 FICO, but his brother has some serious issues on his credit report. Because of this, they purchased as non-owner occupied since his brother could not be added to the note. The hope is that in 60 to 90 days we can refinance with an owner-occupied loan at a more reasonable interest rate. The target of 60 to 90 days is due to concerns of possible rising interest rates. Their current loan is ~$500 extra per month due to it not being owner occupied. I see a two pronged approach here. First,
  24. http://t.money.msn.com/saving-money-tips/fico-recalibrates-its-credit-scores
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