What's Your FICO Score?

[avromie7]

Dan who?

There is only one person on DDF named Dan

[TimT]

Dan who?

Dan Rather. Who else is there ?

[MC]

Earlier this year my score was around 750 and I got instantly approved for a bunch of cards.
It took a dip over the summer & now it's back up to 775 (according to the tracker on Barclays), but I never seem to get instantly approved anymore. Anyone have any insight why?

[eli.f]

Earlier this year my score was around 750 and I got instantly approved for a bunch of cards.
It took a dip over the summer & now it's back up to 775 (according to the tracker on Barclays), but I never seem to get instantly approved anymore. Anyone have any insight why?

It's not all your score.
It's inquiries, amount of credit and number of cards you already have and how many cards you recently opened, especially with the bank you're applying from. It also depends on the income you claim to make.
None of the above factor has any effect on you credit score. (Aside from inquiries, which have a very small effect)

[Novo]

It's not all your score.
It's inquiries, amount of credit and number of cards you already have and how many cards you recently opened, especially with the bank you're applying from. It also depends on the income you claim to make.
None of the above factor has any effect on you credit score. (Aside from inquiries, which have a very small effect)

New accounts does effect the score.

[noturbizniss]

New accounts does effect the score.

+1
Lowers the average age

[eli.f]

New accounts does effect the score.

True. I did miss that. It's still a minor effect on the numerical score.

[lifetimedeals]

how can I get my credit score free? Thanks

[Excalibur]

Open Barclay discover our call credit repair. Com the last one is a new trick I haven't tested

[TimT]

Open Barclay discover our call credit repair. Com the last one is a new trick I haven't tested

Barclay is TU

[lifetimedeals]

So the only way is to open a new card to find out my credit score? That's ridicules. have done a free credit report but they did not include score

[TimT]

So the only way is to open a new card to find out my credit score? That's ridicules. have done a free credit report but they did not include score

Or if you have one of those currently open you could check in your account.

[etech0]

Or if you have one of those currently open you could check in your account.

But only Transunion

[TimT]

But only Transunion

Yes

Barclay is TU

[avromie7]

Barclay is TU

Barclay is not the regular model although it FICO discover on the other is the model that most banks use
(Both transunion)

[eli.f]

The image is a screenshot of my discover FICO.
1. Why does it say my history is short? I am an AU on an account about 20 years old.
2. Anyone know if there's a cheap and simple way to add installment accounts on my report?

Thanks

[Achas Veachas]

2. Anyone know if there's a cheap and simple way to add installment accounts on my report?

Buy a car?

[@Yehuda]

Buy a car?

Go to college?

[eli.f]

Buy a car?

Go to college?

Both great ideas. I could also buy a house, but that's only suitable for someone who would do so anyway.
I don't intend to buy a car in the near future nor am I going to college. (And no, I won't do either just to improve my score )

[Novo]

The image is a screenshot of my discover FICO.
1. Why does it say my history is short? I am an AU on an account about 20 years old.
2. Anyone know if there's a cheap and simple way to add installment accounts on my report?

Thanks

2. If you know someone who has an old/cheap car that's paid off and he will let you have it on your name you can take a loan on it and pay it off after 2-3 months...