Ex five score

For just about anything you want to get off your chest about credit cards.
7 posts
irvine801
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Location: Salt lake city, UT

Ex five score

Postby irvine801 » Tue Mar 19, 2013 11:34 pm

My fico score with EX is very low. About 605. No lates and my AOA is about 1.9 years. I do have about 13 inquires (cuz I was dumb and Didnt know inquires affect my score when I was building) and no lates. But about 80percent utl do to a recent move. No derogatory info or lates on credit... Any Idea why my score is so freakin low!? Ugh :/
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit


paparoach429
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Joined: Tue Sep 11, 2012 12:21 am
Location: chicago

Postby paparoach429 » Wed Mar 20, 2013 1:18 am

You just named it: High # of inquiries, high utilization, and somewhat low AAoA.

neptunejcw
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Joined: Wed Nov 21, 2012 2:42 pm
Location: Indiana

Postby neptunejcw » Wed Mar 20, 2013 9:37 am

Mines low too...got sent a rejection letter & was told mine was 596...Its crazy cause my other 2 are 675&655

DavidNY
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Location: New York

Postby DavidNY » Wed Mar 20, 2013 12:39 pm

Utilization for sure.

irvine801
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Wed Mar 20, 2013 3:27 pm

Sucks. Need to pay down my cc's. lol
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Mar 20, 2013 8:47 pm

80 percent will kill your score for sure.

How did you get a FICO from Ex?

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Wed Mar 20, 2013 9:14 pm

Recently applied for an auto loan with my credit union. They said it was the actually fico score with a range of 300 to 850... So I'm assuming its fico lol.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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