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after a decade of bad investments and debt, i finally reduced my debt down to a few thousand dollars. my FICO was around 590 and I hadn't checked it in years. well yesterday i decided to check and was blown away by the score: 824!
i knew i was making progress but not like that!!! good feels all around.
After buying a condo three years ago I can't imagine a situation where I need to be cognizant of our credit score. We sometimes do the annual credit check for fraud or reporting errors (in addition to checking our CC accounts online every week), but it's been years since I knew the actual score. We've always paid cash for our cars. If we move we'll be in a position of paying for our next home with cash too... unless, perhaps, we're buying real estate in San Francisco...
after a decade of bad investments and debt, i finally reduced my debt down to a few thousand dollars. my FICO was around 590 and I hadn't checked it in years. well yesterday i decided to check and was blown away by the score: 824!
i knew i was making progress but not like that!!! good feels all around.
Where did you get this "FICO"?
There are so many scores running around that unless you got it from MyFico you probably got what we call a FAKO. Not only are there many FAKO's out there with different ranges (FICO 04-08 ranges from 350-850, Many of the FAKO's go up to 950-990 so its apples to oranges) but there are different real FICO's too. There are bankcard enhanced, car loan enhanced, mortgage enhanced... All real FICO's but useless unless that's the score your lender pulls.
Don't get too excited about a "score" until you know its what your lender will get as well.
There are so many scores running around that unless you got it from MyFico you probably got what we call a FAKO. Not only are there many FAKO's out there with different ranges (FICO 04-08 ranges from 350-850, Many of the FAKO's go up to 950-990 so its apples to oranges) but there are different real FICO's too. There are bankcard enhanced, car loan enhanced, mortgage enhanced... All real FICO's but useless unless that's the score your lender pulls.
Don't get too excited about a "score" until you know its what your lender will get as well.
hmm, good point. i have a walmart credit card and they offer a free fico score if you sign up for paperless billing or something like that. oh well, as long as im over 700 i am all good
Basically:
FICO scores from 300 to 850 and Vantage Plusscores from 501 to 990.
The credit bureaus use different scoringsystems,
Equifax scores from 250 to 843,
Experian from 253 to 893.
Transunionfrom 250 to 877
Basically:
FICO scores from 300 to 850 and Vantage Plusscores from 501 to 990.
The credit bureaus use different scoringsystems,
Equifax scores from 250 to 843,
Experian from 253 to 893.
Transunionfrom 250 to 877
Some FICO scores range from 250 to 900.
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