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Author Topic: What's Your FICO Score?  (Read 174454 times)

Offline ca39

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Re: What's Your FICO Score?
« Reply #100 on: August 14, 2013, 11:24:29 AM »
Quote from: joeberg on August 13, 2013, 05:20:17 PM
780 Exp. 650 ???

you should probably check your credit report for any errors.
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Offline LA2NYC

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Re: What's Your FICO Score?
« Reply #101 on: August 14, 2013, 11:26:13 AM »
Is there a known reliable way to remove multiple pulls from same bank on same day from Experian?

Any set of best practices which have worked in the past?

Thanks!
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Offline milechazzer

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Re: What's Your FICO Score?
« Reply #102 on: August 14, 2013, 11:30:51 AM »
I just did a 3BM with Chase. How long would it take for the credit pull(s) to hit my credit report and which credit reporting agency would show the pulls?

thx
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Offline jj1000

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Re: What's Your FICO Score?
« Reply #103 on: August 14, 2013, 11:58:33 AM »
Would spending a dollar every month on my 20 or so cards help my score?

I usually only spend on like 5 cards.
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Offline meshugener

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Re: What's Your FICO Score?
« Reply #104 on: August 14, 2013, 12:55:20 PM »
Quote from: jj1000 on August 14, 2013, 11:58:33 AM
Would spending a dollar every month on my 20 or so cards help my score?

I usually only spend on like 5 cards.
Who knows.
CV says it doesn't matter, others say it does.
Regardless, you want to have activity every ~6 months, so the bank doesn't close it for inactivity.
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Offline jj1000

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Re: What's Your FICO Score?
« Reply #105 on: August 14, 2013, 01:11:00 PM »
Quote from: meshugener on August 14, 2013, 12:55:20 PM
Who knows.
CV says it doesn't matter, others say it does.
Regardless, you want to have activity every ~6 months, so the bank doesn't close it for inactivity.
Um which banks do that?
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Offline meshugener

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Re: What's Your FICO Score?
« Reply #106 on: August 14, 2013, 01:18:20 PM »
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Offline jj1000

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Re: What's Your FICO Score?
« Reply #107 on: August 14, 2013, 01:20:05 PM »
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Offline lfas25

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Re: What's Your FICO Score?
« Reply #108 on: August 14, 2013, 01:26:43 PM »
708

- my negatives:
1 public record - (bankruptcy 7.5 yrs ago)
*Oldest 11 yrs 4 mo
*Average Age 4 yrs

Positives:
0 missed / late payments
4% utilization
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Offline ItzikJones

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Re: What's Your FICO Score?
« Reply #109 on: August 14, 2013, 01:52:10 PM »
Um....I just went to TransUnion's site to see my score and signed up for their 7-day free trial and they are giving me a "VantageScore." What is that?

It can't be an official score because their scale goes up to 990. Is it even possible to get my score from Transuinion's site?

****Never mind, did a quick search and now I see it's a bogus score and I can only get my TU and EXP from MyFICO.
« Last Edit: August 14, 2013, 01:56:48 PM by ItzikJones »
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Offline Galitzyaner

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Re: What's Your FICO Score?
« Reply #110 on: August 14, 2013, 02:06:56 PM »
Quote from: jj1000 on August 14, 2013, 01:11:00 PM
Um which banks do that?
A little while ago, they closed my Gap card due to inactivity.
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Offline LA2NYC

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Re: What's Your FICO Score?
« Reply #111 on: August 14, 2013, 02:10:55 PM »
Quote from: Galitzyaner on August 14, 2013, 02:06:56 PM
A little while ago, they closed my Gap card due to inactivity.

+1 Kohls
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Offline CountValentine

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Re: What's Your FICO Score?
« Reply #112 on: August 14, 2013, 02:34:40 PM »
Quote from: jj1000 on August 14, 2013, 11:58:33 AM
Would spending a dollar every month on my 20 or so cards help my score?

I usually only spend on like 5 cards.
Quote from: meshugener on August 14, 2013, 12:55:20 PM
Who knows.
CV says it doesn't matter, others say it does.
How about trying it and let us know what happens? I am talking in regards to reported balance not spending.
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Offline lfas25

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Re: What's Your FICO Score?
« Reply #113 on: August 14, 2013, 03:04:15 PM »
Quote from: Galitzyaner on August 14, 2013, 02:06:56 PM
A little while ago, they closed my Gap card due to inactivity.

+1 on my Dicks Sporting Goods store card
(issued by Cap1) they did warn me though
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Offline JoeTheShmoe

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Re: What's Your FICO Score?
« Reply #114 on: August 14, 2013, 03:46:16 PM »
735 Here

An Amex pull from 4 months ago is still showing as a negative on my score, how long do those stick around for?
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Offline smaxber

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Re: What's Your FICO Score?
« Reply #115 on: August 14, 2013, 03:54:25 PM »
Quote from: JoeTheShmoe on August 14, 2013, 03:46:16 PM
735 Here

An Amex pull from 4 months ago is still showing as a negative on my score, how long do those stick around for?

Where u from that they pull equifax?
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Offline CountValentine

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Re: What's Your FICO Score?
« Reply #116 on: August 14, 2013, 04:04:49 PM »
Quote from: JoeTheShmoe on August 14, 2013, 03:46:16 PM
735 Here

An Amex pull from 4 months ago is still showing as a negative on my score, how long do those stick around for?
Inquries on EQ is 24 months.
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Offline Dan

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Re: What's Your FICO Score?
« Reply #117 on: August 14, 2013, 04:08:27 PM »
Quote from: CountValentine on August 14, 2013, 04:04:49 PM
Inquries on EQ is 24 months.
Though the weight goes down in that time period.
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Offline smaxber

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Re: What's Your FICO Score?
« Reply #118 on: August 14, 2013, 04:10:27 PM »
Quote from: CountValentine on August 14, 2013, 04:04:49 PM
Inquries on EQ is 24 months.

How long for others?
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Offline ItzikJones

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Re: What's Your FICO Score?
« Reply #119 on: August 14, 2013, 04:53:10 PM »
Quote from: Dan on August 14, 2013, 04:08:27 PM
Though the weight goes down in that time period.

What's the typical ding a hard pull has on a credit score. 1-10 points or is it more?
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