My Fico Forums (2025)

1. myFICO® Forums

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.

Forums · Log in · Credit Cards · About myFICO
90% of top lenders use FICO Scores. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence.

Jun 2, 2007 · So I pulled my reports via the free annual reports and then pulled them on MyFICO.com. There are many discrepancies between the two.
So I pulled my reports via the free annual reports and then pulled them on MyFICO.com. There are many discrepancies between the two. For example, on My FICO, I have a CO that is reporting 90 days late 25 times, but on the annual credit report, it reports as CO every month. It seems to me that if ...
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Sep 23, 2020 · When it comes to credit, most of us have slipped up. See some mistakes myFICO Forum members have made and what they've learned.
When it comes to credit, most of us have slipped up. See some mistakes myFICO Forum members have made and what they've learned.

Jan 5, 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...

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... forums. If you need to speak with us, just call our toll-free US-based customer support. With myFICO, you can learn about credit from the company that ...
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90% of top lenders use FICO Scores. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence.

Jun 28, 2018 · In this blog series, our credit scoring expert, Tom Quinn, answers questions about missing payments, utilization, and more.
In this blog series, our credit scoring expert, Tom Quinn, answers questions about missing payments, utilization, and more. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO Forums.

Apr 12, 2005 · Credit InfoCenter Forums · Existing user? Sign In. Sign In. Remember me ... I see reports of many folks who have found ScoreWatch directly from ...
Does anyone use Equifax scorewatch from myfico.com? I have an alert set to let me know when my score reaches a target of 605. I just paid for a seperate report directly from the Equifax site, and it shows that my score is 621! Now I am very happy to see that my score went up, but why did Equifax ...

Oct 17, 2017 · That's not possible for credit card debt. Check out the myFICO forums where all different kinds of loans and credit are discussed on a daily ...
What're the differences between revolving credit and installment credit? They're two types of credit that account for 10% of your FICO Score.

May 3, 2018 · Recent questions on myFICO Forums: Loan Deferment and High Credit Card Balances · Will a deferment or forbearance on my student loan drop my FICO ...
Will a deferment or forbearance on my student loan drop my FICO® Scores? It's a common practice for individuals to file for deferment or forbearance on student loans while they're still in school. A deferment or forbearance allows you to temporarily stop...

Feb 5, 2018 · Making multiple card payments over that monthly period will have no impact on FICO® Scores as the reduction in balance is not being reported to the credit ...
Does making multiple credit card payments in the month help my FICO® Scores? In short, not likely. Credit cards are a type of finance that provides the individual with a revolving line of credit that can be used to make purchases, balance transfers...

Aug 7, 2018 · A member of the Forums noticed that the explanation in one of their score factors referenced the term "derogatory indicator" and they wondered ...
Do you know how derogatories or collections affect your FICO Scores? Hear what our credit scoring expert has to say about these two negative issues.

Nov 26, 2003 · Hi Everyone,I've always been worried that the scores lenders will see are lower than what myfico ... Credit InfoCenter Forums · Existing user?
Hi Everyone,I've always been worried that the scores lenders will see are lower than what myfico.com shows you. Well, I went to a loan officer yesterday to start talking about a mortgage and he pulled a "pyramid report" for my wife and I. The scores matched exactly. My EX was actually higher, but...