Why are FICO scores so expensive?

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agp
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Postby agp » Wed Jun 06, 2012 3:54 pm

Under the scores, does it tell you who pulled it and when it was pulled? And this is FICO?

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Ratfacedudeguy
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Postby Ratfacedudeguy » Wed Jun 06, 2012 4:49 pm

It will tell you when and who pulled inquiries if that's what you're asking. And no, the scores are PLUS scores.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

agp
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Postby agp » Wed Jun 06, 2012 7:41 pm

I'm going to look for an actuary job next year. Maybe I can pull my own credit report for free at work.

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Hepsta
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Postby Hepsta » Thu Jun 07, 2012 2:05 pm

I utilize Discover's credit card website ( I have the More Card). On the website where I manage my account I enrolled in Credit Score Tracker. I purchased the $9.99 option per month and I can check my credit score once per day from Experian only. I opted to purchase this (billed straight to account) because in October I had a 680 credit score and I wanted constant access to monitor my Experian late disputes and monitor the increases in credit while I thought about purchasing a home.

I never cared or really followed my credit. Had my Discover Card since Freshman year of college in 2000. Did the diligent clean up of my account, opened two new accounts (Capital One Venture and Citi Platinum Select, got CLI, got all four negative accounts removed/eponged and I watched my score increase every couple weeks from 680 to 773. Just got an AMEX Gold and a home loan approval. It was worth the $9.99 per month for what I wanted to accomplish! The other point I'd share is that the Experian Credit Report lets you submit your disputes via the website link quickly. Got (2) instantly removed, (1) within one month, and the last one removed last weekend.

Good Luck,
Hepsta
American Express Gold Card - NPSL (05/12)
Discover More. 10k (01/01)
Bank Americard Cash Rewards MC 10k 12/12
Capital One Venture Visa. 7.5k (03/12)
Chase Freedom Visa 6k (5/12)
MC Citi Platinum Select. 500 [I]03/12

RTG GE 3.5k 07/12

tinninches
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Postby tinninches » Thu Jun 07, 2012 4:21 pm

I wonder how much higher your real FICO scores are. That would be interesting to find out!
[size=80]Amex Zync[/size]
[size=80]Amex PRG[/size]
Amex Costco TE
Amex Hilton
Amex Delta Gold
Barclay US Airways World MC
Chase SWA Signature
BOA Spirit World MC
[size=80]Barclay Apple Visa[/size]



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