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Score increase at two year mark


nselig
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The last post in this topic was posted 2044 days ago. 

 

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The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

 

:wave::grin:

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Just purchased my FICO score for EQ instead of their proprietary scoring model and it shows 632. Unfortunately they don't offer a subscription for the FICO one.

 

I wonder which one lenders are seeing.

to my knowledge the Equifax Credit Score is not available to lenders at all.

 

 

Thanks. I did some googling and couldn't find anything to suggest otherwise here in Canada. I did see it stated as a model for 'educational purposes.'

 

I updated my signature to show the FICO score of 632.

Edited by nselig
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The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

:wave::grin:

 

Looks like it's for "members only".

 

https://www.creditchecktotal.com/faqs

 

I'll stick with my $1 membership.

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The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

:wave::grin:

 

Looks like it's for "members only".

 

https://www.creditchecktotal.com/faqs

 

I'll stick with my $1 membership.

 

+1 I learned from u how to pimp em.

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The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

:wave::grin:

 

Looks like it's for "members only".

 

https://www.creditchecktotal.com/faqs

 

I'll stick with my $1 membership.

+1 I learned from u how to pimp em.

 

Nateinva learned me :D

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The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

:wave::grin:

 

Looks like it's for "members only".

 

https://www.creditchecktotal.com/faqs

 

I'll stick with my $1 membership.

+1 I learned from u how to pimp em.

 

Nateinva learned me :D

 

:yahoo:

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Thanks. I did some googling and couldn't find anything to suggest otherwise here in Canada. I did see it stated as a model for 'educational purposes.'

 

I updated my signature to show the FICO score of 632.

In Canada the Equifax Credit Score, which if I'm not mistaken is a separate model from its American namesake, is available to lenders.
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Thanks. I did some googling and couldn't find anything to suggest otherwise here in Canada. I did see it stated as a model for 'educational purposes.'

 

I updated my signature to show the FICO score of 632.

In Canada the Equifax Credit Score, which if I'm not mistaken is a separate model from its American namesake, is available to lenders.

 

 

I've always been confused at to which is actually viewed by lenders, but haven't been able to get an answer.

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No it's the old tool called "planning"

 

You input some factor and scroll out up to 24 months.

 

It's the one people say is not accurate... But there must be something FICO related to their formula because the 24 month mark (of my accounts ageing) has the same projected increase whether paying down balances or just paying on time.

Edited by mec
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I've always been confused at to which is actually viewed by lenders, but haven't been able to get an answer.

I think FICO's models are still the most popular, but fewer banks use an external scoring model at all. I may very well be incorrect on this matter.

 

Have you not been able to ask your (potential) creditors? At the very least you can request copies of your EQ/you reports once a month to see which lenders are pulling which reports.

 

EDIT: Formatting

Edited by illusemycreditcard
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