FICO Score = 794

[disneysteve]

Not too shabby. I just pulled my credit report and score from Equifax and my FICO score is 794. Must be doing something right.

I was a bit surprised by the "Key factors affecting your score" comments, though.

1. You have a relatively high number of consumer finance company accounts being reported.
2. The amount owed on your revolving/charge accounts is too high.

I believe #2 is due to a reporting error. They show my main credit card, my Marriott Visa, as having a balance of $3,377, which is correct, but having a credit limit of $0. The credit limit on that account is $32,500. I sent in a dispute notice to have this corrected.

Other than that, everything is honky-dory.

[Daylily]

DisneySteve,
What is the range for FICO scores?
I don't think I've ever pulled the score from Equifax.
A did a report and score from Transunion a couple years ago and the score was 888 (max of 900?)
Last month I did a report and score from Experian and received something called a 'VantageScore' of 974. Range 501-990.

I've yet to do the FICO and I'm guessing the only way I can get that is from Equifax? Is that the one where the max is 800?

[Skooby]

Nice job disneysteve!

Daylily, fico scores range from 300-850.

[momof1in150]

I've yet to do the FICO and I'm guessing the only way I can get that is from Equifax? Is that the one where the max is 800?

The only place to get a true FICO score is from myFICO - FICO Credit Scores; Get a Free Credit Report Online with our Score Watch Trial

If you google myfico discount code you can find a 20% off coupon

[moneybags]

Can I get my score for free anywhere? I've never really seen my score, just assume that I have great credit

[MonkeyMama]

Not too shabby. I just pulled my credit report and score from Equifax and my FICO score is 794. Must be doing something right.

I was a bit surprised by the "Key factors affecting your score" comments, though.

1. You have a relatively high number of consumer finance company accounts being reported.
2. The amount owed on your revolving/charge accounts is too high.

When you are in the high range they just pull at straws. Last time I checked my score was in the 800s and it said something like "pay more on your balances to increase your score" While at the same time it said "you should borrow more money to increase your score." It had a couple of other things, but they were all conflicting.

Is prepaying my mortgage more going to help my score or taking another mortgage? SOunds like they want me to do both. LOL. I can't really imagine either would make a big difference though.

Good catch on the Marriot card!

[momof1in150]

Can I get my score for free anywhere? I've never really seen my score, just assume that I have great credit

Yes and no. Many companies offer you a free score but you have to sign up for a "credit" watch type program. They also may not be FICO scores but FAKO scores. The only place I would trust is myfico.

[vsjhoc]

I believe #2 is due to a reporting error. They show my main credit card, my Marriott Visa, as having a balance of $3,377, which is correct, but having a credit limit of $0. The credit limit on that account is $32,500. I sent in a dispute notice to have this corrected.

Call Marriott Visa and insist that they report your credit limit to all 3 bureaus. Most likely it's their fault for not reporting it, not the credit bureaus' fault. Explain that it is keeping your score down because it makes it look like you have 100% utilization on that card (don't tell them you have a good score).

[disneysteve]

Call Marriott Visa and insist that they report your credit limit to all 3 bureaus. Most likely it's their fault for not reporting it, not the credit bureaus' fault. Explain that it is keeping your score down because it makes it look like you have 100% utilization on that card (don't tell them you have a good score).

Thanks. I was thinking about doing that also. It actually makes it look like I've overdrawn the account.

[kv968]

Congrats on the score.

Maybe the cc doesn't report what your credit limit actually is. I know that's a problem with Capital One. The only thing the credit bureaus see as a "credit limit" with them is the max you've ever put on the card and not what your true max is. In other words, you could have 2k on the card with a 10k max but if that's the most you've ever had on the card, it would look maxed out.

[jamai]

Can I get my score for free anywhere? I've never really seen my score, just assume that I have great credit

i believe you're entitled to one free credit score a year from all 3 credit reference agencies!

[disneysaver]

i believe you're entitled to one free credit score a year from all 3 credit reference agencies!

Actually it's the credit "report" that's free, you have to pay to get your "score". Only one (I think it was equifax) gives you an actual FICO score the other 2 give you a "credit score" which is not an actual FICO. It's very confusing. My score is over 800 and they always find some wierd comment about what is affecting my score. Last time it was that I didn't have enough available credit because I had just closed about 10 open accounts. I still have enough available credit left to buy a small island I hope I never need to use it! They also said I had too many inquiries - I had one in the course of about a year.

[kv968]

Actually it's the credit "report" that's free, you have to pay to get your "score". Only one (I think it was equifax) gives you an actual FICO score the other 2 give you a "credit score" which is not an actual FICO.

Equifax is the one that gives you an actual FICO score.

[disneysteve]

Equifax is the one that gives you an actual FICO score.

Yep, that's the one I got last night. Not knowing any better, last year I paid for a score from Trans Union not realizing it wasn't an actual FICO score. Won't make that mistake again.

[NoMo]

I went to annualcreditreport.com and got my credit report for free. You have to pay extra for the "score" though. But, I don't care about my score, I don't borrow money. Now that is a real money saver!