Finance

Nov 8 2017

Guaranteed Amex Approval? Is this a scam? myFICO® Forums #free #credit #report #by #law

#guaranteed credit card approval # Website Navigation: I came accross this ad on Craigs List. What do you think? Looks shady: APPROVAL FOR AN AMEX CARD–REGARDLESS OF BAD CREDIT–READ FOR DETAILS (Midtown West) Date: 2008-10-15, 1:06AM EDT Hi Everyone, if you have bad credit in the form of delinguent accounts, latenesses, or charge offs, I can still guarantee you an American Express card. Please note that if you have bankruptcy or any charge offs with American Express, you will not qualify! This is 100% legitimate and you dont pay unless I get you approved! I am a certified financial planner …

Sep 25 2017

MyFICO Review 2016 #bad #credit #card

#best credit monitoring service # MyFICO Review The FICO scoring model is the most widely used credit score calculator available. The MyFICO credit report service offers updates regarding your credit report and credit score using that model with its Score Watch product but only for Equifax data. To get a full look at everything that is reported to all three reporting credit agencies, MyFICO offers a separate, three-in-one report, which you must purchase separately. This means that you do not have regular updates on your overall financial health. In addition, the one-time three-bureau credit report purchase does not come with …

Sep 10 2017

Credit Cards for Bad Credit? myFICO® Forums #mortgage #for #bad #credit

#credit card bad credit # Website Navigation: Okay so my Fico is 560 according to Experian on here even though it’s 585 on freecreditscore.com which I don’t understand. But that’s becides the point, I still have bad credit either way and am really trying to re-build it and I’m very impatient and only have one open credit card as of now. I’ve sent out several applications for various credit cards and I can’t seem to get approved for anything not even the secured Capital One card! I don’t want to have to throw 300 dollars at a deposit for a …

Sep 9 2017

Credit score approx what APR? myFICO® Forums #apply #for #a #credit #card #with #no #credit

#what is my credit rating # Great. Just what I was looking for. Thank you. I guess that would be a very general guide because Nissan is well known to dip down in the 600-620 and tier 3 you which for Nissan/Infiniti is the same rate as tier 1, usually anywhere from .9-4.9 depending on model and deals at that time. I do not really know (yet) what I am looking for. I currently have a Nissan, but I am not sure that I want to get another (I have not been overly pleased with a few things). I was …

Sep 8 2017

How to find an small auto loan? myFICO® Forums #bad #credit

#best auto loans # Website Navigation: I am looking for an small auto loan for 1 – Improving my credit score and having different types of accounts in my history. 2 – to cover my small shortage of money. The problem is I dont like to get a big loan and purchase an almost expensive car. I am student and prefer to keep my life simple and manageable. My credit scores are between 665 – 690. no late payment or no negative problem is in my account. I have stable job in university and earn 2000$ each month. I am …

Sep 8 2017

Department Store CC s for Bad Credit Scores – myFICO® Forums #credit #cards #comparison

#best credit cards for bad credit # Welcome to the rebuilding game! My scores are in the mid to high 600s for eq and tu, but high 500 for ex. However, just 5 months ago, I was dealing with very low 500s, so it can go fast if you go about it right, I promise and you are doing the best thing, learning and reading and coming here. I have learned the best info here, www.whogavemecredit.com. and others to check scores before applying to try not to wast an inquiry. My first card was First Premier, crazy apr, 79.9%, but …

Sep 4 2017

How to get credit score 750-800 – myFICO® Forums #three #credit #reports #free

#how do i get a credit score # At this point what you need is time. After you establish a longer credit history with no lates or other baddies, and assuming you manage your util properly, your scores will increase by themselves. While a mortgage will help your scores, they’re not necessary for obtaining a 750-800 score. I’ve never had one and have been at or around 800 for the past several years. It’s completely possible without a mortgage, but it might be easier for some people if they did. +1. While nothing says stability like a mortgage on a …

Aug 23 2017

How soon can I apply for an unsecured credit card? myFICO® Forums #what #is #credit #score

#how can i apply for a credit card # How soon can I apply for an unsecured credit card? ‎05-13-2014 01:45 PM Hello everyone, My chapter 7 bankruptcy was discharged on 2/28/14 and I would and my goal is to be able to purchase a house in 2 years. I opened up a $1000 credit builder loan with my local credit union and also have a $1000 secured capital one card (plan to keep utilization under 10%). Looking back at it I wish I had tried for a capital one unsecured card but hindsight is 20-20. I was very happy …

Aug 23 2017

How to get rid of Charge off report from Verizon – myFICO® Forums #where #do #i #get #a #free #credit #report

#how to get a credit report # Website Navigation: I was with Verizon in 2009 and got out of their contract due to their change of terms. I called them several times at that time to make sure I wouldn’t be charged for the early termination fee. Three of representatives (at different time on different days) confirmed that the early termination fee would be waived and I transfered my account out. However, Verizon charged me the early termination fee and didn’t want to say anyting about the approval of waiving the early temination fee although I have the representatives ID …

Aug 18 2017

Dispute on credit report for mortgage – myFICO® Forums #credit #for #bad #credit

#dispute credit report # Website Navigation: This is what I was told a few days ago. If the word “dispute” shows up anywhere on the credit report, you will NOT get the clear to close on a loan. Period. You can get approved (I was) but will not get FINAL approval to close. In my case, the CA (who NEVER had the account) decided to report it as a paid collection after the OC was paid. Like several yrs after the OC was paid that this thing showed up on the CR. Initially it was unpaid, disputed -it updated to …

Aug 16 2017

Beginning credit score – myFICO® Forums #credit #report

#what is a credit score # Website Navigation: What my three young adult kids found was that once they had six months of credit to their names, if they had taken good care of it (NO LATES! ), their scores were around 680. And this is what is reported by people who are new to the US and have to start their credit histories here from scratch. To have a score, you have to have had a minimum of six months straight of some sort of reporting credit, and it has to have reported within the last six months. So …

Aug 15 2017

Help! Need a personal loan but have bad credit. myFICO® Forums #fast #cash #loans

#need a loan now # BEWARE OF ACORN SOLUTION TREE [Edited to remove a hyperlink] Acorn Solution Tree is a Scam. They do not loan money! They will take your cash. They are in Canada not New Jersey. . Do not do like I did and send them any money, I was promised a loan from them, was issued Loan Docs, and then was told to go to Western Union and wire $750, like an idiot I did this, I then did as I was told. I contacted [Edited to remove personal information] the loan officer to tell him, he …

Aug 13 2017

Anywhere to get free tenant rental history? myFICO® Forums #credit #report #card

#credit check free online # I think the only time rental stuff gets reported is if you get evicted or they have to go after you for not paying rent. It’s not a standard practice for apartments, or houses, to do regular credit reporting on your monthly rent. I know this bc I am helping my brother with his credit. He has a 2500 collection from an apartment that he was evicted from. I found out on the BK forum that they can only sue him for this for one year. So technically he doesn’t have to pay this and …

Aug 4 2017

Rebuilding credit – Apply for Chase Freedom or AmE. myFICO® Forums #credit #scores #range

#credit cards for rebuilding credit # Website Navigation: Per another poster’s suggestion in the Rebuilding Credit Forum (where I originally posted this thread), I am also posting it here in hopes I get some more replies. I have learned a lot here over the past few weeks, and I think this website is fantastic. I’ve been working to rebuild my credit for a little over a year now. My EQ score is 709 and TU is 643. I want to apply for a credit card with benefits, such as Chase Freedom or AmEx Blue Cash Rewards, but I’m not sure …

Jul 29 2017

Bad Credit Auto Loans – myFICO® Forums #cheapest #auto #parts

#auto loan bad credit # Re: Bad Credit Auto Loans Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO’s responsibility to ensure all posts and/or questions are answered. Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products. IMPORTANT INFORMATION: All FICO Score products made available on …

Jul 15 2017

Credit Scores vs. FICO Score – myFICO® Forums #all #three #credit #reports #free

#my credit rating # Website Navigation: I need help understanding the differences as well. So you are saying that usually only Mortgage companies pull an actual FICO score? What about when applying for credit cards, car loans, etc. are these creditors also pulling an actual FICO score, or are they usually pulling whatever score each respective Credit Bureas uses. And do any of the credit bureaus actually use a real FICO score or formula or one that was created by the Fair Issac Company for the Credit Bureau to use, or do all 3 have their own separate, proprietary formula/score …

Jul 12 2017

How often do you check your credit score? Page 2 – myFICO® Forums #torrid #credit #card

#how to check your credit rating # Re: How often do you check your credit score? Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO’s responsibility to ensure all posts and/or questions are answered. Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products. IMPORTANT INFORMATION: All …

Jul 6 2017

How to get rid of Charge off report from Verizon – myFICO® Forums #getting #a #loan #with #bad #credit

#how to get a credit report # Website Navigation: I was with Verizon in 2009 and got out of their contract due to their change of terms. I called them several times at that time to make sure I wouldn’t be charged for the early termination fee. Three of representatives (at different time on different days) confirmed that the early termination fee would be waived and I transfered my account out. However, Verizon charged me the early termination fee and didn’t want to say anyting about the approval of waiving the early temination fee although I have the representatives ID …

Jul 4 2017

Help! Need a personal loan but have bad credit. myFICO® Forums #get #a #free #credit #score

#poor credit loan # BEWARE OF ACORN SOLUTION TREE [Edited to remove a hyperlink] Acorn Solution Tree is a Scam. They do not loan money! They will take your cash. They are in Canada not New Jersey. . Do not do like I did and send them any money, I was promised a loan from them, was issued Loan Docs, and then was told to go to Western Union and wire $750, like an idiot I did this, I then did as I was told. I contacted [Edited to remove personal information] the loan officer to tell him, he said …

May 29 2017

Getting credit score above 700 – myFICO® Forums #lenders #for #bad #credit

#get credit score # Website Navigation: I have been trying to clear up my credit report in the last month. I have done pretty well. I have increase my credit score from about 525 to 670-680ish. I am trying to find ways to increase my score above 700 +. Here is how my credit report looks. I have 8 inquiries in the last 2 years. No accounts in collections 1 credit card $500 limit, $44 balance, always paid on time. $16,000 installment car loan, $430 payment, no late payments Length of Credit History: 4 Years, 8 Months Average Account Age: …

May 29 2017

Credit Cards for Bad Credit? myFICO® Forums #2500 #loan

#credit cards for bad credit # Website Navigation: Okay so my Fico is 560 according to Experian on here even though it’s 585 on freecreditscore.com which I don’t understand. But that’s becides the point, I still have bad credit either way and am really trying to re-build it and I’m very impatient and only have one open credit card as of now. I’ve sent out several applications for various credit cards and I can’t seem to get approved for anything not even the secured Capital One card! I don’t want to have to throw 300 dollars at a deposit for …

May 19 2017

Secured Cards with Low Deposit – myFICO® Forums #imvu #free #credits

#low credit credit cards # I am looking to get 2 or 3 secured cards- but will need them with a lower deposit. I don’t care if the CL is the low deposit amount- that doesn’t matter to me. I’m not planning on spending anymore than 5 bucks a month on each anyways. but since I need 2 or 3- I cannot afford $200 deposit on each card either. Just wondering if anyone can direct to me to secured cards with a lower (like 50 bucks or less) deposit. I am looking for: LOW deposit (even if CL is low- …

May 19 2017

Really bad credit! FICO really low! wanting aut. myFICO® Forums #loan #bad #credit

#car loans bad credit # Re: Really bad credit. FICO really low! wanting auto loan with carmax ‎01-06-2014 06:27 AM aprilbrown77 wrote: April, welcome to the forums. Why don’t you take a quick look at the credit rebuilding forum here first, there is a ton of info that can help you bring up your score so when you choose to finance you get a much better loan than the terms you have currently on your husband’s car. Some people get their scores up right away (30 days to 3 months) others take longer. It depends upon what is holding your …

May 16 2017

Is there a difference between US and Canadian FICO. myFICO® Forums #best #deals #on #credit #cards

#canadian credit report # There are the so-called “classic” FICO scoring formulas for EQ, TU, and EX that we get here. Well, not EX any more, but you know what I mean. These are the formulas used by mortgage lenders. There are also “industry-enhanced” FICO scores, one set tweaked for the credit card industry and another for the auto loan industry. These have a different score range. Back when WaMu was alive, they had some CC’s that reported the credit-card-enhanced TU FICO score, with a 900 limit. This caused enormous hoo-hah around here when members were arguing about what their …

May 12 2017

Retail cards backed by GE – myFICO® Forums #how #to #get #a #loan #with #bad #credit

#ge credit # Re: Retail cards backed by GE Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO’s responsibility to ensure all posts and/or questions are answered. Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products. IMPORTANT INFORMATION: All FICO Score products made available on myFICO.com …

Apr 25 2017

Best credit card for 18 yr old with no credit hist. Page 2 – myFICO® Forums #student #credit #cards #with #no #credit

#credit cards for no credit # I second a few posts and have a few tips of my own: become an authorized user, explain you don’t want the card, only to boost your score. My bro got a 5000 cl chase card by being my AU. wait 30-60 days for your score to boost try to get an amex open asap, the backdating they do when you open new accounts will help a lot later on, especially if you can add an account that covers the entire length of your history. i recommend s Zync, easiest to get approved and …

Apr 23 2017

Capital One preapproved auto loan – good idea? myFICO® Forums #auto #body #shop

#capitol one auto # Website Navigation: I received a letter from Capital One saying I’m preapproved for an auto loan from a local dealer. The timing is great, my old car is on her last wheel and I really do need a new one. But I’ve never taken out an auto loan before, and don’t know what I’ll be up against. Are Capital One preapproved loans good, or are there any pitfalls? I’m assuming I received the offer because my credit isn’t the best in the world. Today’s FICO: Experion 683 Equifax 666 TransUnion 668 I have a student loan …

Apr 12 2017

Rebuilding credit – Apply for Chase Freedom or AmE. myFICO® Forums #credit #bureau #fraud #alert

#credit cards for rebuilding credit # Website Navigation: Per another poster’s suggestion in the Rebuilding Credit Forum (where I originally posted this thread), I am also posting it here in hopes I get some more replies. I have learned a lot here over the past few weeks, and I think this website is fantastic. I’ve been working to rebuild my credit for a little over a year now. My EQ score is 709 and TU is 643. I want to apply for a credit card with benefits, such as Chase Freedom or AmEx Blue Cash Rewards, but I’m not sure …

Mar 24 2017

Best way to get Free Fico Score ONe time, why do t. myFICO® Forums #credit #keeper

#credit scores for free # Website Navigation: MV and I are showing our ages. I know this one from a Robert Heinlein 1966 sci-fi novel called The Moon is a Harsh Mistress. The acronym I know is TANSTAAFL, There Ain’t No Such Thing as a Free Lunch. Looks like MV can’t bring himself to say “ain’t”, even as an abbreviation. But anyway, there are no free FICO scores anywhere. They’re a business, just like any other. In addition, the CRA’s charge to generate FICO scores, and they charge more than they do for their bogus home-grown FAKO’s. So yes, FICO’s …

Mar 20 2017

Anywhere to get free tenant rental history? myFICO® Forums #casas #en #renta #monterrey

#free rent # I think the only time rental stuff gets reported is if you get evicted or they have to go after you for not paying rent. It’s not a standard practice for apartments, or houses, to do regular credit reporting on your monthly rent. I know this bc I am helping my brother with his credit. He has a 2500 collection from an apartment that he was evicted from. I found out on the BK forum that they can only sue him for this for one year. So technically he doesn’t have to pay this and he won’t …

Jan 20 2017

Which Company offers daily credit pulls 4 all thre. myFICO® Forums #mastercard #credit #card

#triple credit report # Most of the scores, and all of the scores by experian are fako. Meaning educational purposes only and fake scores. If anyone knows of any daily monitoring for experian and/or all 3 bureaus let me know too please! I’m okay with fako scores. Just need it for guesstimates Are you sure “ALL” the scores are Fako with Experian? You probably know that Experian does have a credit score that is real. Did you mean to say that third party sources “ALL” have Fako scores? I pulled my score from CreditCheckTotal right after joining the main Experian …

Nov 25 2016

Help! Need a personal loan but have bad credit. myFICO® Forums #online #loans

#need a loan now # BEWARE OF ACORN SOLUTION TREE [Edited to remove a hyperlink] Acorn Solution Tree is a Scam. They do not loan money! They will take your cash. They are in Canada not New Jersey. . Do not do like I did and send them any money, I was promised a loan from them, was issued Loan Docs, and then was told to go to Western Union and wire $750, like an idiot I did this, I then did as I was told. I contacted [Edited to remove personal information] the loan officer to tell him, he …

Nov 24 2016

Best way to get Free Fico Score ONe time, why do t. myFICO® Forums #free #credit #score #no #credit #card #needed

#credit scores for free # Website Navigation: MV and I are showing our ages. I know this one from a Robert Heinlein 1966 sci-fi novel called The Moon is a Harsh Mistress. The acronym I know is TANSTAAFL, There Ain’t No Such Thing as a Free Lunch. Looks like MV can’t bring himself to say “ain’t”, even as an abbreviation. But anyway, there are no free FICO scores anywhere. They’re a business, just like any other. In addition, the CRA’s charge to generate FICO scores, and they charge more than they do for their bogus home-grown FAKO’s. So yes, FICO’s …

Nov 20 2016

Credit Scores vs. FICO Score – myFICO® Forums #capital #credit #card

#my credit rating # Website Navigation: I need help understanding the differences as well. So you are saying that usually only Mortgage companies pull an actual FICO score? What about when applying for credit cards, car loans, etc. are these creditors also pulling an actual FICO score, or are they usually pulling whatever score each respective Credit Bureas uses. And do any of the credit bureaus actually use a real FICO score or formula or one that was created by the Fair Issac Company for the Credit Bureau to use, or do all 3 have their own separate, proprietary formula/score …

Nov 18 2016

Free EXPERIAN Credit SCORE from Credit One Bank? myFICO® Forums #ford #credit #payment

#free credit score free # Website Navigation: Numerous times now I have been able to get a free and fairly accurate approximation of my Experian credit score from the Credit One Bank website! This only works with above average personal credit, the parameters of which I have not fully explored. The trick is to log into their credit card “pre-qualification” site, input minimal personal information (name/address/SSN),”get rejected” by having too high of a credit score, and then receiving an on-line letter which contains your Experian credit score. My letters have all included information like this: “. Thank you for your …

Nov 16 2016

Trying to get a secured loan with my car as collat. myFICO® Forums #personal #loan #interest #rates

#secured personal loan # Website Navigation: I hope this is the right area. I searched for other threads like this, but none of them answered my question. I just relocated and since it took me awhile to get a job I’m behind on bills/rent and need some quick cash to get caught back up. I have a 2002 Mazda Protege5 that is fully paid off. It’s in fair condition according to kelley blue book and has 145k miles on it. It was suggested to use my car as collateral for a small loan since I have bad credit. Can anyone …

Nov 14 2016

Citi Student Loan sold to Sallie Mae – myFICO® Forums #loans #for #bad #credit #instant #decision

#citi student loans # I have so many student loan issues that I confused them. THIS IS A FEDERAL STUDENT LOAN! I originally talked to a representative of Sal Mae that didn’t see the late payment, and told me to send a letter and copy of my CR showing the late payment. I sent the letter and they confirmed the payment as 90 days late. I called Sal Mae again, and talked to a supervisor who confirmed that the bill was late when it got to Sal Mae. This sounds HIGHLY ILLEGAL to me. Correct me if I am wrong, …

Nov 13 2016

Auto loan refinancing – myFICO® Forums #auto #dismantlers

#auto loan refinance rates # Website Navigation: Yesterday I was able to refinance my car loan that I hade previously got from Chase auto at an interest of 6.5 from a rate of 20.99. After making 11 payments on time I tried to refinance with Chase auto and I was declined. My credit has been improving and with TU I had 635 and 662 with EQ. When I got my car loan my credit was less than 600. Healthcare Associates Credit Union (HACU) (website. hacu.org) refinanced my loan at a 6.5% rate. Needless to say how happy I am right …

Nov 13 2016

Anywhere to get free tenant rental history? myFICO® Forums #jersey #shore #rentals

#free rent # I think the only time rental stuff gets reported is if you get evicted or they have to go after you for not paying rent. It’s not a standard practice for apartments, or houses, to do regular credit reporting on your monthly rent. I know this bc I am helping my brother with his credit. He has a 2500 collection from an apartment that he was evicted from. I found out on the BK forum that they can only sue him for this for one year. So technically he doesn’t have to pay this and he won’t …

Nov 10 2016

Is there a difference between US and Canadian FICO. myFICO® Forums #annual #free #credit #score #no #credit #card

#canadian credit report # There are the so-called “classic” FICO scoring formulas for EQ, TU, and EX that we get here. Well, not EX any more, but you know what I mean. These are the formulas used by mortgage lenders. There are also “industry-enhanced” FICO scores, one set tweaked for the credit card industry and another for the auto loan industry. These have a different score range. Back when WaMu was alive, they had some CC’s that reported the credit-card-enhanced TU FICO score, with a 900 limit. This caused enormous hoo-hah around here when members were arguing about what their …

Nov 9 2016

Which Company offers daily credit pulls 4 all thre. myFICO® Forums #how #do #you #get #your #credit #score

#triple credit report # Most of the scores, and all of the scores by experian are fako. Meaning educational purposes only and fake scores. If anyone knows of any daily monitoring for experian and/or all 3 bureaus let me know too please! I’m okay with fako scores. Just need it for guesstimates Are you sure “ALL” the scores are Fako with Experian? You probably know that Experian does have a credit score that is real. Did you mean to say that third party sources “ALL” have Fako scores? I pulled my score from CreditCheckTotal right after joining the main Experian …

Nov 6 2016

MyFICO Score and Free Credit Score Estimator #free #credit #score #no #credit #card

#credit score estimator # myFICO Score and Free Credit Score Estimator Credit Scores The Questions How many credit cards do you have? Follow up: How long ago did you get your first credit card? How long ago did you get your first loan? How many loans or credit cards have you applied for in the last year? How recently have you opened a new loan or credit card? How many of your loans and/or credit cards currently have a balance? Besides any mortgage loans, what are your total balances on all other loans and credit cards combined? When did you …

Nov 5 2016

Really bad credit! FICO really low! wanting aut. myFICO® Forums #installment #loans #online

#car loans bad credit # Re: Really bad credit. FICO really low! wanting auto loan with carmax ‎01-06-2014 06:27 AM aprilbrown77 wrote: April, welcome to the forums. Why don’t you take a quick look at the credit rebuilding forum here first, there is a ton of info that can help you bring up your score so when you choose to finance you get a much better loan than the terms you have currently on your husband’s car. Some people get their scores up right away (30 days to 3 months) others take longer. It depends upon what is holding your …

Oct 7 2016

How often do you check your credit score? Page 2 – myFICO® Forums #bad #credit #credit #cards #instant #approval

#how to check your credit rating # Re: How often do you check your credit score? Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO’s responsibility to ensure all posts and/or questions are answered. Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products. IMPORTANT INFORMATION: All …

Oct 6 2016

Bad Credit Auto Loan – myFICO® Forums #lkq #auto #parts

#bad credit auto loan # Website Navigation: My credit is horrible due to a divorce and the pending foreclosure it caused (long story). I have moved to a new residence, but because the foreclosure has not gone through – my credit is still taking a monthly hit for “late payments.” I have two credit cards in good standing (never a late payment – one secured, one unsecured), an auto loan that is in good standing (amount owed = trade-in value), two student loans in good standing, and my monthly expenses at the moment equate to less than 1.5 weeks pay. …

Oct 5 2016

What product do I purchase to monitor all three sc. myFICO® Forums #apply #for #a #credit #card

#all 3 credit scores # It works both ways, however. Fair Isaac can just say, “well, we’ll just charge you even more to use our forumla”. In turn, the big three develop (and have developed, mind you) FACO forumlas that work very similar to FICO’s own and use little or no Fair Isaac derived data. In turn, FICO charges even more. And then VantageScore shows up and competes with FICO. So yeah, either way you look at it, FI is getting screwed, the consumers are getting potentially screwed (and potentially benefited due to competition in this market), and the big …

Oct 3 2016

About myFICO – Consumer Credit Score and Credit Report Provider #black #card

#consumer credit report # About myFICO myFICO is the consumer division of Fair Isaac, the company that invented the FICO credit risk score that lenders use. Starting in the 1960s, Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. This new approach to lending enabled financial institutions to improve their business performance and expand consumers access to credit. Today Fair Isaac s FICO Score is widely recognized as the industry standard for lenders. myFICO offers informative credit-information products that help people understand actions they can take to achieve and protect their overall financial health. …

Oct 1 2016

How accurate is – myFICO® Forums #carbon #credits

#credit report scores # Re: how accurate is freecredit report.com ‎01-24-2011 08:41 PM dfitzg wrote: how comparable are the scores on freecreditreport.com to our fico scores. The reports are fine but the scores (and advice given about scores) are useless. They can’t be compared in any way to FICO scores. Re: how accurate is freecredit report.com ‎01-24-2011 09:15 PM I wont single out any specific commericial vendor of credit reports, but they are far, far from being the same. The only thing that is accurate is your credit file . recorded with each CRA. Anyone who sells consumer credit reports …

Sep 24 2016

Beginning credit score – myFICO® Forums

#what is a credit score # Website Navigation: What my three young adult kids found was that once they had six months of credit to their names, if they had taken good care of it (NO LATES! ), their scores were around 680. And this is what is reported by people who are new to the US and have to start their credit histories here from scratch. To have a score, you have to have had a minimum of six months straight of some sort of reporting credit, and it has to have reported within the last six months. So …