Author Topic: What's Your FICO Score? (Read 176564 times)

wayfe · « **Reply #320 on:** February 13, 2014, 08:59:08 PM »

Quote from: CountValentine on February 13, 2014, 09:44:52 AM

TU on the More card.

I believe it is TU on all the Discover cards.

HDS · « **Reply #321 on:** February 14, 2014, 10:47:32 AM »

My CU offered to send my FICO score each month. They say it is from Experian. How can I tell if it is legit or FAKO? (I don't have Discover yet)

BTW, it is 727 - kind of low? Ok? Not bad but nothing to write home about?

AnonymousUser · « **Reply #322 on:** March 03, 2014, 12:36:56 PM »

Me - 744 TU
Wife - 755 TU

Davidp · « **Reply #323 on:** March 06, 2014, 01:35:00 PM »

I have a question that may seem dumb to some of you, but please bear with me. I recently had my father add me as an AU on his Amex platinum that's been open since 1997. It just showed up on my experian credit report as having been opened this month. I had thought that if you're added to an old card, it's shows up on the credit report that you opened it when the account holder did. Can someone explain this please?

DP7 · « **Reply #324 on:** March 06, 2014, 01:36:32 PM »

Quote from: Davidp on March 06, 2014, 01:35:00 PM

I have a question that may seem dumb to some of you, but please bear with me. I recently had my father add me as an AU on his Amex platinum that's been open since 1997. It just showed up on my experian credit report as having been opened this month. I had thought that if you're added to an old card, it's shows up on the credit report that you opened it when the account holder did. Can someone explain this please?

Quote from: CountValentine on February 28, 2014, 10:54:09 AM

Backdating for AU's has stopped (year+) AFAIK. Backdating for adding another Amex card to your collection should work. You can call to get the AU backdated but it is not easy. I am sure some members must have some recent data points.

Davidp · « **Reply #325 on:** March 06, 2014, 04:40:24 PM »

Quote from: DP7 on March 06, 2014, 01:36:32 PM

does chase allow backdating?

AnonymousUser · « **Reply #326 on:** March 19, 2014, 02:15:21 PM »

Quote from: AnonymousUser on March 03, 2014, 12:36:56 PM

Me - 744 TU
Wife - 755 TU

Just got an email from Barclays that my score (TU) went up. I checked it , and it's now 771. Not a bad jump in 6 weeks.

@Yehuda · « **Reply #327 on:** March 19, 2014, 02:52:43 PM »

Quote from: Davidp on March 06, 2014, 04:40:24 PM

does chase allow backdating?

Nope.

princea143 · « **Reply #328 on:** March 26, 2014, 10:53:09 PM »

anybody have a link to myfico.com 10 day trial? I've been searching online and it keeps showing as $4.95. $:-\$

Joe4007 · « **Reply #329 on:** March 26, 2014, 10:59:11 PM »

Quote from: princea143 on March 26, 2014, 10:53:09 PM

anybody have a link to myfico.com 10 day trial? I've been searching online and it keeps showing as $4.95. $:-\$

Quote from: Dan on March 02, 2014, 03:12:17 PM

Seems like it's gone.
http://www.dansdeals.com/go/myfico/

Elikip · « **Reply #330 on:** May 11, 2014, 02:30:21 PM »

Quote from: DP7 on March 06, 2014, 01:36:32 PM

If I'm added as an AU to an established user, does it make a difference if I have my own Amex account/cards or no account with them yet? ( in the past when Amex regularly backdated, did this factor affect the backdating at all?)
In other words, if I added myself as an au to an old account after having amex cards of my own would my account be backdated or no?

avrumy22 · « **Reply #331 on:** May 28, 2014, 03:53:23 AM »

How do you keep track of your FICO throughout the year? I have used the free trial already and would like to monitor my hard pulls.

Any advice?

srap · « **Reply #332 on:** May 28, 2014, 04:16:00 AM »

Quote from: avrumy22 on May 28, 2014, 03:53:23 AM

How do you keep track of your FICO throughout the year? I have used the free trial already and would like to monitor my hard pulls.

Any advice?

If you are willing to pay $ there is a great service with Wells Fargo Identity Theft Protection Program. The first month only $1 and you can cancel or continue paying $15/mo. You get one free credit report per month and they email you any positive or negative changes in your score as they happen.

The best part for beginners is their analysis (pages) of pros and cons of your report. There is also a simulator that projects what your score would be if you did A or B.

avrumy22 · « **Reply #333 on:** May 28, 2014, 04:34:39 AM »

Quote from: srap on May 28, 2014, 04:16:00 AM

If you are willing to pay $ there is a great service with Wells Fargo Identity Theft Protection Program. The first month only $1 and you can cancel or continue paying $15/mo. You get one free credit report per month and they email you any positive or negative changes in your score as they happen.

The best part for beginners is their analysis (pages) of pros and cons of your report. There is also a simulator that projects what your score would be if you did A or B.

thanks
so it would cost $166 a year?

anyone have a cheaper alternative?

DP7 · « **Reply #334 on:** May 28, 2014, 08:33:00 AM »

Quote from: srap on May 28, 2014, 04:16:00 AM

If you are willing to pay $ there is a great service with Wells Fargo Identity Theft Protection Program. The first month only $1 and you can cancel or continue paying $15/mo. You get one free credit report per month and they email you any positive or negative changes in your score as they happen.

The best part for beginners is their analysis (pages) of pros and cons of your report. There is also a simulator that projects what your score would be if you did A or B.

Is this even FICO?

dudi · « **Reply #335 on:** May 28, 2014, 08:37:29 AM »

freddy · « **Reply #336 on:** May 29, 2014, 03:30:17 PM »

Quote from: avrumy22 on May 28, 2014, 03:53:23 AM

How do you keep track of your FICO throughout the year? I have used the free trial already and would like to monitor my hard pulls.

Any advice?

Discover prints your fico transunion score on your monthly statement

HDS · « **Reply #337 on:** May 29, 2014, 03:34:36 PM »

Quote from: freddy on May 29, 2014, 03:30:17 PM

Discover prints your fico transunion score on your monthly statement

Barclays Arrival+ too.

freddy · « **Reply #338 on:** May 29, 2014, 03:35:09 PM »

I just got my first discover statement and my fico score is 733 isn't that unusually high being that i have limited dredit history? (about 6 months signed on a account as an authrized buyer wich i was told doesn't do much for your credit score.)

DP7 · « **Reply #339 on:** May 29, 2014, 03:39:43 PM »

Quote from: freddy on May 29, 2014, 03:35:09 PM

I just got my first discover statement and my fico score is 733 isn't that unusually high being that i have limited dredit history? (about 6 months signed on a account as an authrized buyer wich i was told doesn't do much for your credit score.)

Not sure, but 733 is not that high.