What's Your FICO Score?

[noturbizniss]

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 

Did that new card come with an inquiry?

[Novo]

Did that new card come with an inquiry?

Not on the TU report.

[noturbizniss]

So Barclays and discover give tu fico, and citi will be equifax. What about those of us in NY who need the experian score? Any way to get it cheap or free?

[Novo]

So Barclays and discover give tu fico, and citi will be equifax. What about those of us in NY who need the experian score? Any way to get it cheap or free?

AFAIK Citi is FAKO

Not so helpful but when you apply for an Amex card they'll give you your Experian score.

[noturbizniss]

AFAIK Citi is FAKO

http://m.wsj.com/articles/BL-TOTALB-2354

[Novo]

http://m.wsj.com/articles/BL-TOTALB-2354

News to me (I'm only one month behind ). So Citi will put my score on the statement?

I started to think, maybe I'm a victim of ID theft... I gotta check my report...

[ChaimMoskowitz]

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.

Are comparing month to month from the same issuer?

[Novo]

Are comparing month to month from the same issuer?

Barclay October statement 786.
Barclay November statement 734.

[noturbizniss]

Barclay October statement 786.
Barclay November statement 734.

Can you see your CR as well from the 2 months to see what changed?

[Novo]

Can you see your CR as well from the 2 months to see what changed?

I believe there's no way for me to get my October CR but I will check my current CR after Shabbos and see if there's something new...

[caliheat]

Barclays September 683
Barclays October 702

Lot's of charge off's, collection etc, still on record for another year.

Credit Cards:
US 4K CL
Starwood 1K CL
DL Plat 1.1K CL

UA Reject
BA Reject
Ink Reject
AA Reject

[Jkhein]

Barclay October statement 786.
Barclay November statement 734.

Where do they give you the CS on the statement? AFAIK they only have the fico section when logging into the online account, and that usually gets updated once every two months.

[ChaimMoskowitz]

AFAIK they only have the fico section when logging into the online account, and that usually gets updated once every two months.

Sometimes once every three months.

[Novo]

By me it has been updated on the statement closing date.

[ChaimMoskowitz]

By me it has been updated on the statement closing date.

I just checked my FICO history and it is every other month or every third month. Must be different for everyone.

[Novo]

I just checked my FICO history and it is every other month or every third month. Must be different for everyone.

Upon checking mine again and paying closer attention I see it's not exactly on the closing date, it ranges between the 19th and 22nd.

Maybe it updates only when there's a change or 2 months, whichever is sooner

[WAM]

Barclays FICO score is up to 807! I guess my apporama 2 months ago was great for my TU report. I'm sure that my experian score is much lower due to all the inquiries.

[eli.f]

Barclays FICO score is up to 807! I guess my apporama 2 months ago was great for my TU report. I'm sure that my experian score is much lower due to all the inquiries.

How much lower could it be?
The maximum effect inquiries could have on your score (according to FICO) is 10%. Since the FICO range is 350-850, the maximum effect it could have is 50 points and I doubt you've reached the maximum. (Although, I have no idea what the maximum is, I think it should be something extreme)

[ChaimMoskowitz]

10% is a guideline not an absolute. FICO goes to 900 not 850.

[eli.f]

10% is a guideline not an absolute. FICO goes to 900 not 850.

I did indeed make a mistake, but so did you

FICO credit scores range from 300 to 850

Source
(When you say 900, maybe you're talking about Chase's score, which is NOT FICO)

10% is a guideline not an absolute

Care to elaborate on your sources for that?