My Fico Forums (2024)

1. myFICO® Forums

  • Credit Cards

  • (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. FICO Community

  • Welcome to the FICO Community! Engage with peers and FICO experts to find resources, get answers, and share your knowledge and experiences.

  • Engage with peers and FICO experts to find resources, get answers, and share your knowledge and experiences.

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

  • 5 jan 2014 · Credit Card Companies run people's info all the time without their consent to generate pre-approval offers, but I guess that's different according to them.

  • Got warned once because I showed the "backdoor" links to CB's that are on flyertalk. I guess discussing how to get your CR for free by disputing is not allowed there. Got warned as my "last chance" because I was talking about using my neighbors address on the shopping cart trick. Reason was "ille...

5. FORUM Credit Union: Personal and Business Banking

  • FORUM is dedicated to helping members live their financial dreams. As a member-owned financial cooperative, our members benefit through higher savings rates ...

  • FORUM is dedicated to helping members live their financial dreams. As a member-owned financial cooperative, our members benefit through higher savings rates and lower loan rates.

6. Your Credit Score - DuPont Community Credit Union

  • Will receiving my FICO® Score impact my credit? The FICO® Score we provide you will not impact your credit. Why is my FICO® Score not available? The ...

  • A FICO® Score is a three digit number that represents an individual’s credit worthiness.

7. What is the best site to check my FICO? - Credit Forum - CreditBoards

8. What MF does my FICO score get me with Hyundai finance?

  • 12 jul 2021 · Come to find out my FICO score through Experian (what Hyundai finance uses) is actually way way lower at 650 which when I called to check, puts me in tier 7.

  • Went into a local dealership about a month ago to find a 2022 Hyundai Tucson SEL AWD red calypso ex, grey interior with convenience package in zip 10567. I went in knowing the MF/RV for my area as .00069/61% with $1500 cash incentive at the time. Without running my credit, they quoted me tier 1 price of $350/mo with $2850 down for 36/10k. This was based on what I thought my credit score was at the time of 715. I put a $500 deposit down to get the car sent here, but no official paperwork was sign...

9. FICO Careers

  • We have many opportunities, across dozens of disciplines in locations all around the world. Explore our postings to find the role that's right for you.

10. FICO Score Information - Community Credit Union

  • Will receiving my FICO® Score impact my credit? No. The FICO® Score we provide to you will not impact your credit. Why is my FICO® Score not available?

  • Community Credit Union is a member owned financial institution serving Brevard County FL and surrounding counties providing home, auto, & personal loans, savings and checking accounts.s here

11. Why isn't my FICO® Score available? | Credit Report - Regions Bank

  • ... Community · News · Privacy & Security · Website Terms of Use · Online Tracking & Advertising · Notice at Collection · Accessible Banking. *Investment, Insurance ...

  • Are you wondering why your don't have a FICO® Score on your credit report? There could be several reasons. Visit our online FAQs page to learn more.

12. LGE Community Credit Union: Home Page

  • LGE Community Credit Union connects metro Atlanta to financial products, advice, and personalized service. LGE serves all residents and businesses within ...

  • LGE Community Credit Union connects metro Atlanta to financial products, advice, and personalized service. LGE serves all residents and businesses within Bartow, Cherokee, Cobb, Fulton, and Paulding counties.

13. Experian: Check Your Free Credit Report & FICO® Score

  • Experian is committed to helping you protect, understand, and improve your credit. Start with your free Experian credit report and FICO® score.

14. Why is My FICO® Score Different than Other Scores? - Regions Bank

  • ... Community · News · Privacy & Security · Website Terms of Use · Online Tracking & Advertising · Notice at Collection · Accessible Banking. *Investment, Insurance ...

  • Ever wonder why your FICO® Score differs from credit scores you've seen on other credit reports? We have the answer. Visit our FAQs for more information.

15. SAP Community

  • Official SAP Community. Search questions and answers, read the latest blog posts and curated content, connect with experts, and improve your SAP skills.

16. Understanding the New FICO Credit Score - Synchrony

  • Marc Boucai, PhD, is a freelance writer based in Los Angeles who writes about economy, culture, community, identity and media. ... Washington My Health My Data ...

  • The FICO credit score, which was introduced by the Fair Isaac Corporation in 1989, has become a seemingly universal measure of the creditworthiness of an individual. Thirty years after its launch, the score is used in more than 25 countries...

17. OnPoint Community Credit Union: Banking, Loans & Credit

  • OnPoint Community Credit Union – serving Oregon & Washington with savings accounts, credit ... My mom has been a member since the late 1940s, I have been a member ...

  • OnPoint Community Credit Union – serving Oregon & Washington with savings accounts, credit cards, home & auto loans, and more. Become a member today.

18. Xpress Update 8.14.7

  • 22 sep 2023 · FICO® Community Blog · Insights, ideas, and updates from FICO experts · Want to stay informed? Click here to follow your favorite blogs! · Have a ...

  • Engage with peers and FICO experts to find resources, get answers, and share your knowledge and experiences.

19. Christian Community Credit Union (CCCU)

  • At Christian Community Credit Union (CCCU), we offer full-service digital banking, along with nationwide shared branches and ATMs.

  • At Christian Community Credit Union (CCCU), we offer full-service digital banking, along with nationwide shared branches and ATMs. When you bank with Christian Community Credit Union, you bank with your values!

20. FICO score drastically different for Apple Card Application

  • 30 aug 2019 · I get a monthly report from all 3 credit reporting agencies, including TransUnion, and it shows that my FICO score is 770. How can I find out why there is such ...

  • Looks like no one’s replied in a while. To start the conversation again, simply ask a new question.

21. Winnebago Community Credit Union

  • Winnebago Community Credit Union is a not-for-profit financial cooperative working in the best interest of members by providing higher deposit rates, ...

  • Winnebago Community Credit Union is a not-for-profit financial cooperative working in the best interest of members by providing higher deposit rates, lower loan rates and less fees.

22. Eagle Community Credit Union

  • Welcome to the largest credit union for postal and federal employees in Orange County and Riverside County. Membership to the Credit Union is open to anyone ...

  • Welcome to the largest credit union for postal and federal employees in Orange County and Riverside County. Membership to the Credit Union is open to anyone living, working, or worshiping in Orange County and Riverside County. Join today!

23. One Community Bank | Personal Banking

  • Adams, WI. Make this my community. More Info · All Locations. Adams. 501 N. Main St. Adams, WI 53910. Phone: 608.339.7722. Today's Lobby Hours: 8:30 AM to 5 PM ...

  • One Community Bank is a community bank that serves clients, supports colleagues & invests in communities. 16 locations in Southern Wisconsin.

24. Sun Community Federal Credit Union | Serving the Imperial and ...

  • From checking and savings accounts to auto loans and mortgages we're here to help you Shine On! Serving the Imperial and Coachella Valley areas by ...

  • From checking and savings accounts to auto loans and mortgages we’re here to help you Shine On! Serving the Imperial and Coachella Valley areas by empowering and inspiring others to discover their full potential with a wide range of financial options, solutions, and resources to help you achieve your financial goals.

25. First Community Bank: Home

  • Checking, savings, mobile, retirement, mortgage, commercial banking and lending. First Community Bank offers products and services to fit your needs.

26. Get Your Free Credit Score (No Credit Card Required) - Experian

  • Banking services provided by Community Federal Savings Bank, Member FDIC. ... How can I get cash back from my credit card? What is a cash advance? For bad ...

  • Use your free credit score to reinforce your financial knowledge. Learn how to monitor changes, and discover ways to increase your score.

27. Oak Valley Community Bank

  • Oak Valley & Eastern Sierra Community Bank is the premier lender for Commercial, Business, Small Business, SBA, Agricultural Loans in Modesto, Stockton, ...

  • Oak Valley & Eastern Sierra Community Bank is the premier lender for Commercial, Business, Small Business, SBA, Agricultural Loans in Modesto, Stockton, Sacramento, Tracy, Manteca, Turlock, Sonora, Oakdale, and surrounding areas.

28. CorePlus Credit Union. Smart Banking & Community Trusted.

  • Looking for a credit union that gets you? CorePlus Credit Union delivers competitive rates and local service with powerful digital banking solutions.

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.

Is a 900 credit score possible? ›

Ans. While achieving a 900 credit score is technically possible with the CIBIL model, it's highly uncommon. A score above 760 is considered very good or exceptional and offers significant benefits like lower interest rates and improved loan approval odds.

How do I get my true FICO score for free? ›

One of the best ways to access your FICO® credit score for free is through Discover Credit Scorecard. This program is free whether you are a Discover customer or not. To get started, you'll be asked for some personal information, including your Social Security number.

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.

How rare is an 800 credit score? ›

22% of U.S. Consumers Have Exceptional Credit

But according to Experian data captured as 2023 came to a close, nearly 22% of consumers have a FICO® Score in the highest credit score range—800 to 850. Consumers with scores in this range are considered to have exceptional credit.

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.

Does Chase use Vantage or FICO? ›

Chase Credit Journey® uses the VantageScore® 3.0 model, which calculates your score based on these 6 key score factors. Other models, like the Fair Isaac Corporation (FICO®), may use different factors. Let's take a closer look at the factors used by VantageScore 3.0 and how they affect your credit.

What credit score is needed to buy a house? ›

The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable-rate mortgages (ARMs).

Does checking myFICO score hurt my credit? ›

Good news: Credit scores aren't impacted by checking your own credit reports or credit scores. In fact, regularly checking your credit reports and credit scores is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft.

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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