Author Topic: What's Your FICO Score? (Read 174008 times)

stingypolisher · « **Reply #420 on:** September 07, 2014, 07:22:43 PM »

i have CITI for 4.95 a month for a while now, i tried to sign up my wife, i got the following massage:
Citi® Credit Monitoring Service is no longer available for new enrollments. If you have any questions and need to speak to Customer Service, please call
1-866-311-6742.
anyone know of some other for 5.00 a month or a link from citi that does work ?

noturbizniss · « **Reply #421 on:** September 13, 2014, 08:36:41 PM »

My wife got declined for 1/2 chase ink cards and just got the letter today. IT says it's a FIco score, but the range is 250-900. What's going on here? Wikipedia says

Quote

The FICO bankcard score and FICO auto-enhanced score are between 250 and 900.

EJB · « **Reply #422 on:** September 13, 2014, 09:13:24 PM »

FICO up 30 points to around 780 thanks to Amex

Opened my first card 3 years ago and have 11 inquiries (thanks to mortgage lenders)

Jkhein · « **Reply #423 on:** September 14, 2014, 01:57:26 AM »

Quote from: EJB on September 13, 2014, 09:13:24 PM

FICO up 30 points to around 780 thanks to Amex
Opened my first card 3 years ago and have 11 inquiries (thanks to mortgage lenders)

?

Joe4007 · « **Reply #424 on:** September 14, 2014, 02:44:31 AM »

Quote from: Jkhein on September 14, 2014, 01:57:26 AM

?

Most probably:

Quote from: WAM on August 06, 2014, 07:46:53 AM

Score jumped ~50 or so points to 798. All I did was add 40 or so years of account age to my 6 Amices....

avromie7 · « **Reply #425 on:** September 14, 2014, 01:51:13 PM »

what does credit karma use FICO or FAKO

Joe4007 · « **Reply #426 on:** September 14, 2014, 01:54:30 PM »

Quote from: avromie7 on September 14, 2014, 01:51:13 PM

what does credit karma use FICO or FAKO

That.

Yellow · « **Reply #427 on:** September 16, 2014, 01:32:11 PM »

Quote from: Yellow on February 12, 2014, 10:47:18 PM

My score is 775 according to Barclays

Now 782
I know this should make me proud, but really this is just a reminder that I don't churn nearly enough!

ChaimMoskowitz · « **Reply #428 on:** September 17, 2014, 01:39:57 AM »

Quote from: Yellow on September 16, 2014, 01:32:11 PM

Now 782
I know this should make me proud, but really this is just a reminder that I don't churn nearly enough!

Quality is more important than quantity.

EJB · « **Reply #429 on:** September 17, 2014, 01:42:04 AM »

Quote from: Joe4007 on September 14, 2014, 02:44:31 AM

Most probably:
Quote from: WAM on August 06, 2014, 07:46:53 AM
Score jumped ~50 or so points to 798. All I did was add 40 or so years of account age to my 6 Amices....

dudi · « **Reply #430 on:** September 27, 2014, 11:37:00 PM »

662. sounds bad? This is 4 month after I got a green card and SSN. And just to explain where I'm holding this is according to expirian according to trans Union there is not enough information in my records yet in order to pull my credit score

Jeremiah · « **Reply #431 on:** October 06, 2014, 11:40:18 PM »

Dan had once posted that citi identity monitor is FICO (besides for the score they give you. I tried signing of for it but it redirects me to identityguard.com . They do offer free trials.
Does anyone know if this is FAKO or FICO?

AJK · « **Reply #432 on:** October 06, 2014, 11:46:39 PM »

Jeremiah · « **Reply #433 on:** October 06, 2014, 11:59:03 PM »

thanks

avromie7 · « **Reply #434 on:** November 20, 2014, 10:11:14 PM »

746 according to discover got my first card in February

Novo · « **Reply #435 on:** November 20, 2014, 10:38:14 PM »

Whoops! My DPs score (from Barclaycard) dropped 52 points!
We missed the statement date by one day so the balance was reported. Oh well... Next month it'll climb back up.

TimT · « **Reply #436 on:** November 20, 2014, 10:42:01 PM »

Quote from: Novo on November 20, 2014, 10:38:14 PM

Whoops! My DPs score (from Barclaycard) dropped 52 points!
We missed the statement date by one day so the balance was reported. Oh well... Next month it'll climb back up.

How big of a balance was it ?

Novo · « **Reply #437 on:** November 20, 2014, 10:45:16 PM »

Quote from: TimT on November 20, 2014, 10:42:01 PM

How big of a balance was it ?

That's where I got surprised, it's only $2500 of a 5k CL (50%) and the total available credit across all cards is 70k (and that's the only card with a balance)

TimT · « **Reply #438 on:** November 20, 2014, 10:47:03 PM »

Quote from: Novo on November 20, 2014, 10:45:16 PM

That's where I got surprised, it's only $2500 of a 5k CL (50%) and the total available credit across all cards is 70k (and that's the only card with a balance)

50% of a CL used on 1 card could cause a 52 point drop ? That's a lot

Novo · « **Reply #439 on:** November 20, 2014, 11:05:15 PM »

Quote from: TimT on November 20, 2014, 10:47:03 PM

50% of a CL used on 1 card could cause a 52 point drop ? That's a lot

Yeah, that's wy I'm so surprised. Maybe a new card I opened in October was just reported so I got a new account in the report? $:-\$