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all these scores from the credit cards are not actual comprehensive fico scores . they are fico bank card scores and many like amex and discover run to 900 not 850 . your actual score can be as much as 50 points less or more since they only weight credit cards and little of anything else .
all these scores from the credit cards are not actual comprehensive fico scores . they are fico bank card scores and many like amex and discover run to 900 not 850 . your actual score can be as much as 50 points less or more since they only weight credit cards and little of anything else .
most lenders do not use that fico 8 score .
Not sure whom you are addressing, Mathjak. The FICO score that I referenced is a FICO score that has 850 as the maximum (not 900), as usual, and as I wrote. (There's a chart that goes with it that shows 850 as the maximum ... there is nothing higher. Well, I guess that's what "maximum" means. )
The details matter here. Having a score of 824 and no debt isn't anything to boast about. Having a score of 824 and $900,000 in debt.... that's pretty good. A credit report is useless if you aren't taking advantage of it.
I had 819 in August. But then I bought a hotel. That dropped my score a bit.
Personally all I would have needed is a room for the night
I have a mortgage. Never missed a payment.
I use my credit card for almost everything and I pay it down every month.
I've paid all my bills even if I disagreed (garbage company said I owed $80 and I wouldn't have won a fight) so I swallowed my friggin pride and cut them a check.
With all of the hacking going on, I've put freezes on Transunion, Equifax and Experian. I unfreeze them when I go car shopping or when I apply for credit or whatever then I put the freezes back on. It's a pain but I sleep better at night knowing that the hackers have a harder time buying things with my credit. So no one is making inquiries. I don't know if limited inquires help my score.
all these scores from the credit cards are not actual comprehensive fico scores . they are fico bank card scores and many like amex and discover run to 900 not 850 . your actual score can be as much as 50 points less or more since they only weight credit cards and little of anything else .
most lenders do not use that fico 8 score .
Discover Card FICO only runs up to 850. I've had a Discover Card since 1999, it was the first credit account I ever had. They put your score right on the statement every month.
My Discover FICO is as comprehensive as it gets. 5 credit accounts, only one that gets used for anything and gets paid off every month, plus a student loan with a $1200 balance, and monthly bills that get paid well before their due dates.
I have a mortgage. Never missed a payment.
I use my credit card for almost everything and I pay it down every month.
I've paid all my bills even if I disagreed (garbage company said I owed $80 and I wouldn't have won a fight) so I swallowed my friggin pride and cut them a check.
With all of the hacking going on, I've put freezes on Transunion, Equifax and Experian. I unfreeze them when I go car shopping or when I apply for credit or whatever then I put the freezes back on. It's a pain but I sleep better at night knowing that the hackers have a harder time buying things with my credit. So no one is making inquiries. I don't know if limited inquires help my score.
Only 'hard inquiries' do. The ones from you asking for credit.
831 score. Never make a late payment, my cc balances total less than 3% of my available amount and if it goes over that amount, it's paid off by the following week. In addition, save for a new account with Chase, all of my accounts with Wells Fargo, Citi and Amex are over 12 years old.
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