My Fico Forums (2024)

1. myFICO® Forums

  • Business Credit

  • (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.

FICO Forum - Welcome - myFICO

3. FICO Privacy Policy - myFICO

  • We may provide online forums, including myFICO forums for those with myFICO accounts and FICO Community forums for those with FICO Analytic Cloud ...

  • 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.

FICO Privacy Policy - myFICO

4. myFICO: Your FICO Score, from FICO

  • Forums · Credit Cards · About myFICO · 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.

myFICO: Your FICO Score, from FICO

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

Getting fed up with the my fico forum. - CreditBoards

6. 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

The Secured Loan Trick - Medium

7. Official www.myfico.com discount thread - Page 118 - Credit Forum

  • Mar 30, 2004 · if you do the free trial of equifax score watch (on myfico.com) you get 10 days free and for 17.95 (10%) off you get a transunion fico- so ...

  • Newbie here - totally lost with this please help!

Official www.myfico.com discount thread - Page 118 - Credit Forum

8. How It Works - myFICO

  • ... forums. If you need to speak with us, just call our toll-free US-based customer support. With myFICO, you can learn about credit from the company that ...

  • 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.

How It Works - myFICO

9. 2024 Fico forums - LUKAS

10. 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.

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

11. myfico.com vs. what lenders see - Credit Repair - CreditInfoCenter.com

  • Nov 26, 2003 · Hi Everyone,I've always been worried that the scores lenders will see are lower than what myfico ... Credit InfoCenter Forums · Existing user?

  • Hi Everyone,I've always been worried that the scores lenders will see are lower than what myfico.com shows you. Well, I went to a loan officer yesterday to start talking about a mortgage and he pulled a "pyramid report" for my wife and I. The scores matched exactly. My EX was actually higher, but...

12. Confessions of Credit Mistakes from the myFICO Forums

  • Sep 23, 2020 · Although making mistakes is a great way to learn (most of the time), learning from the mistakes of others is even better. So read on, see what others have done ...

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

Confessions of Credit Mistakes from the myFICO Forums

13. 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.

Derogatories and Collections Affect on FICO Scores - myFICO

14. Recent Questions on myFICO Forums: Missing Payments ...

  • Jun 28, 2018 · In this blog series, our credit scoring expert, Tom Quinn, answers questions about missing payments, utilization, and more.

  • 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.

Recent Questions on myFICO Forums: Missing Payments ...

15. 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...

Loan Deferment and High Credit Card Balances - myFICO

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

  • Feb 5, 2018 · Making multiple card payments over that monthly period will have no impact on FICO® Scores as the reduction in balance is not being reported to the credit ...

  • 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...

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

17. Blog | myFICO

  • Most people know that a good FICO Score is essential for credit card and loan approval. Another perk of good credit: the money-saving potential.

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

Blog | myFICO
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? ›

There are a few main ways to get your credit scores.
  1. Check your credit card or other loan statement. Many major credit card companies and other lenders provide credit scores for their customers. ...
  2. Talk to a nonprofit counselor. ...
  3. Use a credit score service.
Oct 19, 2023

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? ›

For the majority of lending decisions most lenders use your FICO score. Calculated by the data analytics company Fair Isaac Corporation, it's based on data from credit reports about your payment history, credit mix, length of credit history and other criteria.

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? ›

As of the third quarter of 2023, 1.54% of U.S. consumers had a FICO Score of 850, according to Experian data. Some notable traits of consumers with a perfect credit score include an above average number of credit cards, lower credit utilization rate and lower than average total debt.

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.

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