FICO Score Question

[shirlene29]

Fico is actually incredibly easy to manipulate once you know how to..and can become sport if you don't sculptures credit at that moment
myfico is one of the few places to get actual scores and then only two.
Fakos can be wildly off

 

[digimon7068]

Fico is actually incredibly easy to manipulate once you know how to..and can become sport if you don't sculptures credit at that moment
myfico is one of the few places to get actual scores and then only two.
Fakos can be wildly off

my wife and i actually have real scores in the 800's...and that screenshot that i posted actually isn't that far off from my "reality"...and, i've done nothing to "manufacture" my score...i'm just old (one factor) and i have always paid all my bills on time (another factor) and i have the "right amount" of available credit for my standing in life (another factor)...however, that final factor is just shit luck because i don't have a clue how much available credit i have

 

[shirlene29]

Holy auto correct fail from my phone in my last post


I wasn't suggesting otherwise digi

 

[JWBurns]

Fico is actually incredibly easy to manipulate once you know how to..and can become sport if you don't sculptures credit at that moment
myfico is one of the few places to get actual scores and then only two.
Fakos can be wildly off

True, you can get your actual Eq FICO from myfico, but be aware that the Trans Union score they provide is an outdated model, not commonly used by creditors. I wouldn't recommend paying for your Tu score there.

 

[digimon7068]

Holy auto correct fail from my phone in my last post


I wasn't suggesting otherwise digi

that wasn't directed at you so much as some of the other naysayers...i'm proud of my credit score, because i think it says a lot about "me"...it's an outward sign...a symptom, if you will, of my theories on life in general, which tend to err to the conservative, i suppose

 

[shirlene29]

True, you can get your actual Eq FICO from myfico, but be aware that the Trans Union score they provide is an outdated model, not commonly used by creditors. I wouldn't recommend paying for your Tu score there.

indeed

I don't buy scores anymore...credit is where it needs to be to obtain whats wanted/needed and thats all I really care about at this point
though may change a bit in the future when we go auto shopping this fall...idk..but will probably just see what navy federal offers w/o checking

 

[RottenWillow]

anyone mention creditkarma in this thread? That's a very handy resource.

and to pick on the first page, yes I noticed buying RE really does bump you up. I think I'm over 6 years into my mortgage now and mine has really risen.

 

[IncredibleHoss]

Im a renter still..
I heard as long as your 720-750+ you should qualify for prime rates.


Yeah im just going to gas up and put that in my wells card and turn around and pay it off.