Playing the FICO game

[MidnightVoice]

EX hates everything. EQ hates inqs and someone getting a new account without an EQ inq

[Anonymous]

If you think EQ hates things try Ex!

Edited. I missed that. I concur!

Message Edited by ilovepizza on 06-14-2007 05:28 PM

[Anonymous]

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@Anonymous wrote:

TU - 668 - No inquiries

EQ - 659 - 4 inquiries (one coming off in Aug)

Ex - 673 - 3 inquires (2 coming off in July)

2 HSBC cards 1 year OK payments no lates (CLIs $600 & $400)

4 CC COs 2 years ago (2 ea Cap One and WAMU/PROVIDIAN)

1 Sears CO 2 years ago

Midnight and other's as well,

My CC fico score is pretty awful....

Could use a Gas card.

Would like to have one more CC with higher limit

Would like a Store Card.

Based on the number of inquiries, history, and scores could you advise on how I might go forward and improve my score? I work very hard to get the scores to this point, and I really don't want to back slide.

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What is your PFico from Wamu?

Message Edited by Timothy on 06-14-2007 09:30 PM

[Anonymous]

What does PFico mean?

[Anonymous]

Joined the credit union this morning.  They asked me to do a credit check to verify my identify.  Probably a hard pull...  If it is a hard pull, hopefully they wont do another hard pull in August when I plan on asking for a CC.

[smallfry]

They might. Better ask.

[Tuscani]

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Rocket01 wrote:

What does PFico mean?

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Check out the scoring 101 thread.

[Anonymous]

Funny I did stumble across it yesterday and answered my own question.  I checked out www.providian.com and www.wamu.com, in hopes I could pull the Pfico, but it's cardholders only.  I figure my Pfico is bad, and being an engineer I want data. 

[MidnightVoice]

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Rocket01 wrote:

I figure my Pfico is bad, and being an engineer I want data. 

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In the Credit Game, TNSTAFL

[Anonymous]

Another one.  TNSTAFL??