Author Topic: What's Your FICO Score? (Read 174343 times)

countrygirl · « **Reply #360 on:** July 27, 2014, 12:48:00 PM »

My Fico score is 797 down from 804 after 3 successful cc approvals in May.

sm8542 · « **Reply #361 on:** July 28, 2014, 12:35:14 AM »

is here any place to check my score for free?

bubble347 · « **Reply #362 on:** July 28, 2014, 01:02:32 AM »

Quote from: sm8542 on July 28, 2014, 12:35:14 AM

is here any place to check my score for free?

Barclays, discover and capital one offer it free with your statements.

NYHeel · « **Reply #363 on:** July 28, 2014, 12:06:31 PM »

822 per Barclays. My wife is at 844 per Discover. That's insane considering it only goes to 850, I think. Is that some kind of record?

NYHeel · « **Reply #364 on:** July 28, 2014, 12:08:37 PM »

Quote from: bubble347 on July 28, 2014, 01:02:32 AM

Barclays, discover and capital one offer it free with your statements.

I don't believe that the Captial One credit score is a FICO score. I know mine is much lower on the Capital One score. I do find it helpful because it gives you information that would be on a credit report so I can use it to look for fraud.

ChaimMoskowitz · « **Reply #365 on:** July 28, 2014, 12:19:15 PM »

Quote from: NYHeel on July 28, 2014, 12:06:31 PM

Is that some kind of record?

no

yls2011 · « **Reply #366 on:** July 28, 2014, 06:17:37 PM »

Quote from: bubble347 on July 28, 2014, 01:02:32 AM

Barclays, discover and capital one offer it free with your statements.

The Capital One credit score says it's from TransUnion, but also that it's not FICO. It seems to be lower than it was during my last 3BM, which is strange because i have only ever had 1 pull on TU, and I've been only leaving small balances on the cards at every statement closing- around 5%. Is their score reliable?

Boruch999 · « **Reply #367 on:** July 28, 2014, 06:26:46 PM »

I know someone who had a 0 F Vantage score from TU. Thats gotta be at least a tie for the record

ah · « **Reply #368 on:** July 31, 2014, 05:37:42 PM »

just looked at my Discover statement,score increased to 801! Thanks to Dan for educating me!

bubble347 · « **Reply #369 on:** July 31, 2014, 05:43:51 PM »

Quote from: ah on July 31, 2014, 05:37:42 PM

just looked at my Discover statement,score increased to 801! Thanks to Dan for educating me!

How long is your history?

Boruch999 · « **Reply #370 on:** July 31, 2014, 05:47:41 PM »

Quote from: ah on July 31, 2014, 05:37:42 PM

just looked at my Discover statement,score increased to 801! Thanks to Dan for educating me!

What was it? If it was 799 that's not that impresive

ah · « **Reply #371 on:** July 31, 2014, 06:44:54 PM »

Quote from: Boruch999 on July 31, 2014, 05:47:41 PM

What was it? If it was 799 that's not that impresive

lol...i never checked/looked when I started with all this in November, but ever since I have been checking (only since april when I got Discover) it has been 790-797-791-801

ah · « **Reply #372 on:** July 31, 2014, 06:48:44 PM »

Quote from: bubble347 on July 31, 2014, 05:43:51 PM

How long is your history?

I had one citi card for 16 years and had been an AU on 1-2 cards for about 18 years...and then last August i started opening more

bubble347 · « **Reply #373 on:** July 31, 2014, 06:52:39 PM »

Quote from: ah on July 31, 2014, 06:48:44 PM

I had one citi card for 16 years and had been an AU on 1-2 cards for about 18 years...and then last August i started opening more

Thanks,that explains it. I gotta get on to an old card ASAP.

Boruch999 · « **Reply #374 on:** July 31, 2014, 07:47:07 PM »

Quote from: bubble347 on July 31, 2014, 06:52:39 PM

Thanks,that explains it. I gotta get on to an old card ASAP.

When you find one, get me on too

WAM · « **Reply #375 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....

joey123 · « **Reply #376 on:** August 06, 2014, 08:35:27 AM »

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....

Nice. I am looking for a simmilar bump; hopefully it comes at the end of this month.

Boruch999 · « **Reply #377 on:** August 06, 2014, 05:56:24 PM »

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....

Did I understand correctly, you added account age to existing amex accounts?

WAM · « **Reply #378 on:** August 06, 2014, 06:12:19 PM »

Quote from: Boruch999 on August 06, 2014, 05:56:24 PM

Did I understand correctly, you added account age to existing amex accounts?

read upthread.

Quote from: yls2011 on July 28, 2014, 06:17:37 PM

The Capital One credit score says it's from TransUnion, but also that it's not FICO. It seems to be lower than it was during my last 3BM, which is strange because i have only ever had 1 pull on TU, and I've been only leaving small balances on the cards at every statement closing- around 5%. Is their score reliable?

It's reliably FAKO.

EJB · « **Reply #379 on:** August 06, 2014, 06:15:15 PM »

If you backdate amex from a card you are AU on and you later get rid of the AU card your other cards are still backdated, right?