Getting fed up with the my fico forum. (2025)

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 "illegal use of one's personal information".

Last time I checked, a phone book listing is not personal info, it's public, and it's not like I'm using someones info to get credit. 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.

Then someone was on there talking about how one credit card pre-approval site gives you a credit score for free, and a mod says:

submitting' an app with no intention of going through with the process for the purpose of receiving a free credit score is frowned upon at myFICO.

Seems like a typical day on there is like this:

A: I got approved for a $3,000 Amex BCE Card

Persons B, C, D, and E get a boner at the approval.

Getting fed up with the my fico forum. (2025)

FAQs

How can I fix myFICO score fast? ›

4 tips to boost your credit score fast
  1. Pay down your revolving credit balances. If you have the funds to pay more than your minimum payment each month, you should do so. ...
  2. Increase your credit limit. ...
  3. Check your credit report for errors. ...
  4. Ask to have negative entries that are paid off removed from your credit report.

How long does it take to improve FICO? ›

How long does it take for your credit score to go up?
EventAverage credit score recovery time
Missed/defaulted payment18 months
Late mortgage payment (30 to 90 days)9 months
Closing credit card account3 months
Maxed credit card account3 months
3 more rows
Aug 26, 2024

How can I get myFICO score to 800? ›

To increase your credit score to 800, you'll need a nearly flawless payment history, a credit utilization rate well below 30%, a healthy mix of credit types, and an extensive credit history. The average American has a credit score of 716, well within the range of what is considered a good credit score.

Why is myFICO score different than my credit score? ›

The reason for the differences in FICO scores comes down to the differences in credit reports from each of the three major credit bureaus. For example, lenders might not report credit activity to all bureaus.

How to raise your credit score 200 points in 30 days? ›

How to Improve Your Credit Score
  1. Review Your Credit Reports. The best way to identify which steps are most important for you is to read through your credit reports. ...
  2. Pay Every Bill on Time. ...
  3. Maintain a Low Credit Utilization Rate. ...
  4. Avoid Unnecessary Credit Applications. ...
  5. Monitor Your Credit Regularly.
Jul 23, 2024

Why is my FICO score not improving? ›

Some reasons that your score hasn't changed (or gone up) could be that the bureaus haven't updated your credit profile yet, a bad credit utilization ratio, serious negative items outweighing recent good behavior, or errors on your credit.

How can I raise my FICO score 100 points? ›

Here are 10 ways to increase your credit score by 100 points - most often this can be done within 45 days.
  1. Check your credit report. ...
  2. Pay your bills on time. ...
  3. Pay off any collections. ...
  4. Get caught up on past-due bills. ...
  5. Keep balances low on your credit cards. ...
  6. Pay off debt rather than continually transferring it.

What affects FICO score the most? ›

FICO Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).

Is 650 a good credit score? ›

As someone with a 650 credit score, you are firmly in the “fair” territory of credit. You can usually qualify for financial products like a mortgage or car loan, but you will likely pay higher interest rates than someone with a better credit score. The "good" credit range starts at 690.

How many Americans have a 800 FICO Score? ›

71.3% of Americans have a FICO Score of 670 (good) or better. 21.2% have an exceptional FICO credit score of 800 or above. FICO credit scores generally increase with age, with older generations having higher averages.

How rare is 825 credit score? ›

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data.

How do I get a 900 FICO Score? ›

While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

Which score is closest to FICO? ›

VantageScore. The VantageScore model—specifically Version 3.0 which is the most widely used—considers similar factors to the FICO score model.

Which is better, FICO or Experian? ›

Experian's advantage over FICO is that the information it provides is far more detailed and thorough than a simple number. A pair of borrowers could both have 700 FICO Scores but vastly different credit histories.

Which FICO score do lenders use? ›

While the FICO® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage: FICO® Score 2 (Experian) FICO® Score 5 (Equifax) FICO® Score 4 (TransUnion)

Is there a short term quick fix to a bad FICO Score? ›

Paying your bills on time Is one of the most important steps in improving your credit score. Pay down your credit card balances to keep your overall credit use low. You can also phone your credit card company and ask for a credit increase, and this shouldn't take more than an hour.

How do I clean up my FICO score? ›

Here are few ways you can improve your FICO score, courtesy of myFICO:
  1. Pay bills on time.
  2. Get current with any missed payments.
  3. Keep balances low on credit cards and revolving credit accounts.
  4. Don't close unused credit cards.
  5. Don't open lots of new accounts within a short period of time.

How do I raise my FICO score to 100 points? ›

Here are 10 ways to increase your credit score by 100 points - most often this can be done within 45 days.
  1. Check your credit report. ...
  2. Pay your bills on time. ...
  3. Pay off any collections. ...
  4. Get caught up on past-due bills. ...
  5. Keep balances low on your credit cards. ...
  6. Pay off debt rather than continually transferring it.

How to get a rapid rescore? ›

You can't initiate a rapid rescore on your own. Instead, you'll need to work with a creditor that provides these services, such as a credit card company or another type of lender. Rescoring is commonly offered by mortgage lenders because securing a mortgage is usually more time-sensitive than other loans.

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