My Fico Forums (2024)

1. myFICO® Forums

  • Auto Loans

  • (3 Items)

2. FICO Forum - Welcome - myFICO

  • Get the score that lenders use most, from the company that invented it. myFICO provides you immediate access to your FICO score and credit report online.

  • Get the score that lenders use most, from the company that invented it. myFICO provides you immediate access to your FICO score and credit report online.

3. myFICO: Your FICO Score, from FICO

  • myFICO® Forums · Credit Card Approvals · Credit Cards · What is a Credit Score?

  • 90% of top lenders use FICO Scores. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence.

4. The Secured Loan Trick - Medium

  • Apr 12, 2018 · The MyFICO forum invented this trick and all credit goes to them. For an exhaustive walk through, visit their forum. Doctor of Credit's post ...

  • How I boosted my FICO score by 39 points

5. Getting fed up with the my fico forum. - CreditBoards

6. How It Works - myFICO

  • You can also find tips on improving your credit and ask your credit questions to our active 750,000 member user forums. If you need to speak with us, just call ...

  • 90% of top lenders use FICO Scores. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence.

7. Confessions of Credit Mistakes from the myFICO Forums

  • Sep 23, 2020 · When it comes to credit, most of us have slipped up. See some mistakes myFICO Forum members have made and what they've learned.

  • When it comes to credit, most of us have slipped up. See some mistakes myFICO Forum members have made and what they've learned.

8. Revolving Credit and Installment Credit - What's the difference?

  • Oct 17, 2017 · That's not possible for credit card debt. Check out the myFICO forums where all different kinds of loans and credit are discussed on a daily ...

  • What're the differences between revolving credit and installment credit? They're two types of credit that account for 10% of your FICO Score.

9. just left myfico forums after being kept in the dark on B - CreditBoards

  • Jan 4, 2013 · Bob, can you add me as an AU ?? j/k. I feel so deceived by myfico forums!!!

  • Hi guys, I'm pretty new to this forum, i just "discovered" it yesterday after years of referring to the myfico forums. Now i know how the North Korean and Chinese citizens feel with the censorship. I've gone back and read through hundreds of thread topic pages and it feels like thoundsand of indi...

10. Missing Payments, Revolving Utilization and More | myFICO

  • Jun 28, 2018 · Do FICO® Scores consider historical revolving utilization in the calculation? Several myFICO Forum members were discussing how their credit card ...

  • In this blog series, our credit scoring expert, Tom Quinn, answers questions about missing payments, utilization, and more. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO Forums.

11. Is this 500 in cc debt really dragging my credit to the 500's????

  • 1 day ago · Credit score is like a never ending game...you can always bounce back. Check out myfico forums, they have it down to a science. Thanks. 2 ...

  • So I've been out of work and am now able to pay off my credit card debt in the next two weeks. I had 3 missed payments and it tanked my 700 something credit all the way down to a 500 something credit . Is this really how badly credit cards effect you?? I'm in the SAVE plan where I owe 9,000...

12. Derogatories and Collections Affect on FICO Scores - myFICO

  • Aug 7, 2018 · A member of the Forums noticed that the explanation in one of their score factors referenced the term "derogatory indicator" and they wondered ...

  • Do you know how derogatories or collections affect your FICO Scores? Hear what our credit scoring expert has to say about these two negative issues.

13. Loan Deferment and High Credit Card Balances - myFICO

  • May 3, 2018 · Recent questions on myFICO Forums: Loan Deferment and High Credit Card Balances · Will a deferment or forbearance on my student loan drop my FICO ...

  • Will a deferment or forbearance on my student loan drop my FICO® Scores? It's a common practice for individuals to file for deferment or forbearance on student loans while they're still in school. A deferment or forbearance allows you to temporarily stop...

14. Recent Questions on myFICO Forums: Credit Card Payments and ...

  • Feb 5, 2018 · When a credit account is past due it means no payment was applied to the account as of the last payment due date. For example, if your payment ...

  • Does making multiple credit card payments in the month help my FICO® Scores? In short, not likely. Credit cards are a type of finance that provides the individual with a revolving line of credit that can be used to make purchases, balance transfers...

15. 8 Ways To Refinance A Mortgage With Bad Credit | Bankrate

  • ... forums. Read more · About our review board. Close. Thomas Brock. Expert Reviewer ... myFICO. Accessed on July 9, 2024. “You now have permanent access to ...

  • Borrowers with bad credit can still nail down home loan refinancing. Here’s how to do it and the various options you have.

16. Blog | myFICO

  • Welcome to the myFICO blog! Stay up to date with information about FICO Scores, mortgages, auto loans, and personal finance.

17. My Credit Score Is Above 800. Here's Why Wells Fargo Denied My Credit ...

  • 2 days ago · ... Forums · New posts New Threads Trending Threads Featured Threads ... My credit history is flawless, and my FICO® Score, according to Experian, was ...

  • Not long ago, I came across a Wells Fargo credit card that seemed perfectly attuned to my spending habits. It didn't have the best sign-up bonus I'd ever seen, but the card's bonus rates seemed high enough to earn solid rewards on categories that my other cards haven't captured. My credit...

My Fico Forums (2024)

FAQs

Is myFICO com accurate? ›

The main benefit of using myFICO is that it's a one-stop shop that shows your scores and reports from all three bureaus. Also, as the official consumer division of FICO, myFICO uses the industry standard credit scores, which are the most accurate way of tracking your current credit status.

Is myFICO or Credit Karma more accurate? ›

Your Credit Karma score should be the same or close to your FICO Score, which is what any prospective lender will probably check. The range of your credit score (such as “good” or “very good”) is more important than the precise number, which will vary by source and edge up or down often.

How do I get a 900 FICO score? ›

While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

How to get 800 above FICO score? ›

Making on-time payments to creditors, keeping your credit utilization low, having a long credit history, maintaining a good mix of credit types, and occasionally applying for new credit lines are the factors that can get you into the 800 credit score club.

Is your FICO your actual credit score? ›

The difference between FICO scores and credit scores in a nutshell. Credit scores can be thought of as a snapshot of credit reports and are used in lending decisions. And they're calculated by credit-scoring companies using different scoring models. A FICO score is a specific type of credit score.

Where is the best place to get accurate FICO Score? ›

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months.

Why is myFICO score 100 points higher than Credit Karma? ›

Your FICO Score is a credit score. But if your FICO score is different from another of your credit scores, it may be that the score you're viewing was calculated using one of the other scoring models that exist.

Which score is closest to FICO? ›

VantageScore. The VantageScore model—specifically Version 3.0 which is the most widely used—considers similar factors to the FICO score model.

Do lenders use FICO or Vantage? ›

There are several versions of VantageScore and FICO, and each uses a different scoring model. For example, a lender will likely use an older version of FICO for a mortgage application, while a consumer site might rely on the latest version of VantageScore.

Can I buy a house with a 705 credit score? ›

A mortgage loan with a 705 credit score is certainly possible. A 705 credit score is high enough to qualify for most home mortgages. But having a good credit score isn't the only factor used to approve you for a home loan. Most lenders will only approve you for a loan equal to one-third of your after-tax income.

Has anyone gotten an 850 credit score? ›

Although a lot of people might like the idea of a perfect credit score, they'd likely have a hard time actually achieving it. In the U.S., only about 1.7 percent of the scorable population had a perfect 850 FICO credit score in April 2023, according to FICO data.

What is the highest credit score to buy a house? ›

There's no single, specific credit score that will automatically qualify you for a mortgage (though having the maximum score of 850 certainly never hurts).

How rare is 825 credit score? ›

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data.

How can I raise my credit score 100 points overnight? ›

10 Ways to Boost Your Credit Score
  1. Review Your Credit Report. ...
  2. Pay Your Bills on Time. ...
  3. Ask for Late Payment Forgiveness. ...
  4. Keep Credit Card Balances Low. ...
  5. Keep Old Credit Cards Active. ...
  6. Become an Authorized User. ...
  7. Consider a Credit Builder Loan. ...
  8. Take Out a Secured Credit Card.

What is a good credit limit for a 30 year old? ›

Good Credit Limits by Age Group
Age GroupGood Credit Limit
Gen Z (18-24)$13,000
Millennials (24-39)$28,000
Gen X (40-55)$39,000
Baby Boomers (56-74)$42,000
1 more row
Aug 21, 2024

How accurate is the FICO credit score? ›

The primary credit scoring models are FICO® and VantageScore®, and both are equally accurate. Although both are accurate, most lenders are looking at your FICO score when you apply for a loan.

Can you trust FICO credit score? ›

So why choose FICO Scores over other scores? Here are just a few reasons: You can be confident you're seeing a score many lenders actually use. Because FICO Scores are the most widely used scores, it is very likely the lender will check your FICO Scores when you apply for credit.

Is it possible for a FICO Score to be wrong? ›

Although it's rare, mistakes happen, and it is possible that incorrect information on your credit report—such as inaccurate personal data or payment history—is causing your scores to drop.

Which credit score company is most accurate? ›

There is no “best” credit bureau—all three bureaus can offer helpful information and tools to help you make financial decisions.

Top Articles
The Best Vegan Quiche!
One Pot Creamy Garlic Pasta | Vegan Fettucine Alfredo
How To Fix Epson Printer Error Code 0x9e
Goodbye Horses: The Many Lives of Q Lazzarus
Toyota Campers For Sale Craigslist
Free Atm For Emerald Card Near Me
Big Spring Skip The Games
Practical Magic 123Movies
Craigslist Nj North Cars By Owner
Rochester Ny Missed Connections
Tiger Island Hunting Club
Orlando Arrest and Public Records | Florida.StateRecords.org
Hope Swinimer Net Worth
The Binding of Isaac
Craigslist Pikeville Tn
iZurvive DayZ & ARMA Map
Missouri Highway Patrol Crash
20 Different Cat Sounds and What They Mean
Company History - Horizon NJ Health
Craigslist Battle Ground Washington
Craigslist Lake Charles
Breckiehill Shower Cucumber
Dei Ebill
Top 20 scariest Roblox games
Doctors of Optometry - Westchester Mall | Trusted Eye Doctors in White Plains, NY
Delta Township Bsa
Combies Overlijden no. 02, Stempels: 2 teksten + 1 tag/label & Stansen: 3 tags/labels.
Dell 22 FHD-Computermonitor – E2222H | Dell Deutschland
How rich were the McCallisters in 'Home Alone'? Family's income unveiled
Does Royal Honey Work For Erectile Dysfunction - SCOBES-AR
Account Now Login In
Street Fighter 6 Nexus
Warn Notice Va
The Ultimate Guide to Obtaining Bark in Conan Exiles: Tips and Tricks for the Best Results
Palmadise Rv Lot
2024 Ford Bronco Sport for sale - McDonough, GA - craigslist
The Bold And The Beautiful Recaps Soap Central
Überblick zum Barotrauma - Überblick zum Barotrauma - MSD Manual Profi-Ausgabe
2700 Yen To Usd
Conroe Isd Sign In
877-292-0545
2007 Peterbilt 387 Fuse Box Diagram
Gregory (Five Nights at Freddy's)
Bmp 202 Blue Round Pill
9:00 A.m. Cdt
Jigidi Free Jigsaw
Worland Wy Directions
Sj Craigs
Die 10 wichtigsten Sehenswürdigkeiten in NYC, die Sie kennen sollten
Sunset On November 5 2023
Dinargurus
Latest Posts
Article information

Author: Rob Wisoky

Last Updated:

Views: 5441

Rating: 4.8 / 5 (68 voted)

Reviews: 91% of readers found this page helpful

Author information

Name: Rob Wisoky

Birthday: 1994-09-30

Address: 5789 Michel Vista, West Domenic, OR 80464-9452

Phone: +97313824072371

Job: Education Orchestrator

Hobby: Lockpicking, Crocheting, Baton twirling, Video gaming, Jogging, Whittling, Model building

Introduction: My name is Rob Wisoky, I am a smiling, helpful, encouraging, zealous, energetic, faithful, fantastic person who loves writing and wants to share my knowledge and understanding with you.