Equifax 800

Equifax 799

TransUnion 791

Equifax 827 (FAKO)

Be careful when looking up your credit scores. The only way to get your true FICO credit score is to go to myFICO.com

I thought I scored my highest with a credit score of 827, but I noticed the score from Equifax.com has a range of 280-850. A true FICO score has a range of 300-850.

Credit Report Card 10/09

Credit.com

VantageScore 990

I didn't expect a perfect VantageScore on my first try here! It all starts with having a good payment history. Make the payments on time, along with good credit habits, and one could be on cruise control in the future. Your mileage may vary.

Amex Clear Credit Increase

Credit limit increased from $2000 to $4000.

My American Express Cards: Past and Present

In November 2008, I applied for an American Express Clear.

American Express has reported my new Clear as opened in 1990, to reflect my currently-closed Green Card.

Today, this is what Experian is showing:



*Please note, I have merged the images so that the cards are side-by-side for easier viewing. Nothing else has been altered.

You will notice that the Green card (left) indicates "Acct Type: Credit Card - Revolving Terms." The Green card was actually a charge card. I believe that is indicated as "Terms: 1 Month". My new Clear card is on the right.

Now that Experian has shown my new Clear as opened in 1990, I hope that Equifax and TransUnion will follow suit. This will hopefully improve my Average Age of Accounts, which should benefit my credit scores.

PFICO 822

This is the final PFICO, as Wamu has been taken over by Chase. I ended on a down note.

PFICO 840

Equifax 792

Equifax offered a free FICO Score today for the first 10,000 respondents.

PFICO 840

Applied for AMEX

Bored today. I think I'll apply for an AMEX.

I choose the Clear Card, as I don't want to pay annual fees.

Why AMEX? Because I have read if I opened a new AMEX card, I can have the "Member Since" backdated to that of my original Green Card, which was opened in 1990.

I know I will get a hit my credit score. But I hope the backdate will make up for that, in the form of Average Age of Accounts improvement.

PFICO 836

PFICO 839

Equifax 799

Equifax offered a free FICO Score today for the first 10,000 respondents.

PFICO 851

PenFed Platinum Cash Rewards

I applied for a new credit card for the first time since 2002.

PFICO 851

I hit 851 for the second time! It seems Wamu's graph cannot handle two scores of 851, as the orange box is missing. Time to upgrade the hardware, Wamu?


BTW, the colors in this graph are different, because I was playing around with Photoshop. Nothing else has been altered.

PFICO 836

PFICO 819

PFICO 836

Did Wamu update the graph after I broke the 850 barrier last month?

I would think so.

PFICO 851 (First Time)

Posted at CreditBoards.com

PFICO 851. Yes, 851!

myFICO Scores

PFICO 850