Author Topic: What's Your FICO Score? (Read 173944 times)

noturbizniss · « **Reply #900 on:** April 14, 2015, 11:07:43 PM »

Quote from: rileywiles23 on April 14, 2015, 10:16:39 PM

My experian score, directly on their site, was 15 points lower then what Bofa had on my approval letter. Any explanation ?

Different days, different model

eli.f · « **Reply #901 on:** April 15, 2015, 08:23:07 AM »

Quote from: rileywiles23 on April 14, 2015, 10:16:39 PM

My experian score, directly on their site, was 15 points lower then what Bofa had on my approval letter. Any explanation ?

Their site is FAKO.
Also, there are many versions of Fico, so even when comparing real scores, you need to make sure they're the same version.

rileywiles23 · « **Reply #902 on:** April 15, 2015, 08:49:56 AM »

Quote from: eli.f on April 15, 2015, 08:23:07 AM

Their site is FAKO.
Also, there are many versions of Fico, so even when comparing real scores, you need to make sure they're the same version.

experians score, on its own site, is FAKO ?

eli.f · « **Reply #903 on:** April 15, 2015, 09:00:51 AM »

Quote from: rileywiles23 on April 15, 2015, 08:49:56 AM

experians score, on its own site, is FAKO ?

Yes. "the one sold directly from Experian is FAKO" source

rileywiles23 · « **Reply #904 on:** April 15, 2015, 09:21:06 AM »

Quote from: eli.f on April 15, 2015, 09:00:51 AM

Yes. "the one sold directly from Experian is FAKO" source

Ok. Thank you for pointing that out.

ChaimMoskowitz · « **Reply #905 on:** April 15, 2015, 09:57:18 AM »

Quote from: rileywiles23 on April 15, 2015, 09:21:06 AM

Ok. Thank you for pointing that out.

Let me point out that is an old post. Experian does offer FICO score.

Report and score for $1 trial. Remember to cancel.
http://www.experian.com/

Achas Veachas · « **Reply #906 on:** April 15, 2015, 10:11:31 AM »

Quote from: ChaimMoskowitz on April 15, 2015, 09:57:18 AM

Let me point out that is an old post. Experian does offer FICO score.

Report and score for $1 trial. Remember to cancel.
http://www.experian.com/

Churnable how often?

ChaimMoskowitz · « **Reply #907 on:** April 15, 2015, 10:13:57 AM »

Quote from: Achas Veachas on April 15, 2015, 10:11:31 AM

Churnable how often?

Have no idea.

Achas Veachas · « **Reply #908 on:** April 15, 2015, 10:15:45 AM »

Quote from: ChaimMoskowitz on April 15, 2015, 10:13:57 AM

Have no idea.

Because I definitely did this a few years ago, I don't remember when though, and it just worked now again...

807 BTW

ChaimMoskowitz · « **Reply #909 on:** April 15, 2015, 10:17:52 AM »

Quote from: Achas Veachas on April 15, 2015, 10:15:45 AM

Because I definitely did this a few years ago, I don't remember when though, and it just worked now again...

807 BTW

So cancel and try again? Take one for the team.

rileywiles23 · « **Reply #910 on:** April 15, 2015, 10:38:09 AM »

Quote from: ChaimMoskowitz on April 15, 2015, 10:17:52 AM

So cancel and try again? Take one for the team.

I just churned it about a couple of months apart.

rileywiles23 · « **Reply #911 on:** April 15, 2015, 10:39:53 AM »

Quote from: ChaimMoskowitz on April 15, 2015, 09:57:18 AM

Let me point out that is an old post. Experian does offer FICO score.

Report and score for $1 trial. Remember to cancel.
http://www.experian.com/

Are you saying the above score is fico ? If yes, then is the differentiation because of diff. Method of calculating your score ?

ChaimMoskowitz · « **Reply #912 on:** April 15, 2015, 10:50:08 AM »

Quote from: rileywiles23 on April 15, 2015, 10:39:53 AM

Are you saying the above score is fico ? If yes, then is the differentiation because of diff. Method of calculating your score ?

"Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether."

moshechaim1 · « **Reply #913 on:** April 15, 2015, 02:32:40 PM »

DOes it make any sense for my FICO to drop from 805 to 763 in 1month from only 1 pull?

TimT · « **Reply #914 on:** April 15, 2015, 02:35:19 PM »

Quote from: moshechaim1 on April 15, 2015, 02:32:40 PM

DOes it make any sense for my FICO to drop from 805 to 763 in 1month from only 1 pull?

Are both scores from the same place ?

moshechaim1 · « **Reply #915 on:** April 15, 2015, 02:46:39 PM »

yeah barclay

noturbizniss · « **Reply #916 on:** April 15, 2015, 03:12:27 PM »

Quote from: rileywiles23 on April 15, 2015, 10:38:09 AM

I just churned it about a couple of months apart.

need to actually cancel, or using citi virtual card good enough?

TimT · « **Reply #917 on:** April 15, 2015, 03:16:09 PM »

Quote from: moshechaim1 on April 15, 2015, 02:46:39 PM

yeah barclay

It shouldn't be a 42 point drop just from 1 pull. Could be other stuff factoring in.

ChaimMoskowitz · « **Reply #918 on:** April 15, 2015, 04:27:25 PM »

Quote from: moshechaim1 on April 15, 2015, 02:32:40 PM

DOes it make any sense for my FICO to drop from 805 to 763 in 1month from only 1 pull?

One pull did not cause this. Something else changed. You would need copies of your report to see what changed.

rileywiles23 · « **Reply #919 on:** April 15, 2015, 04:42:50 PM »

Quote from: noturbizniss on April 15, 2015, 03:12:27 PM

need to actually cancel, or using citi virtual card good enough?

I cancelled.