On the cusp of some FICO changes...

[shipo]

Quite honestly, I didn't expect this much of a bump in my scores; oddly enough, the "FAKO" Vantage scores (typically seen on the likes of CreditKarma and such) are more inline with what I was expecting:

• 767 - Equifax
• 750 - Experian
• 772 - TransUnion

[Zombie13]

Those look pretty good to me as well!

[shipo]

Well, my new FICO scores posted last night:

Oct-21 Jan-22 Net Oct-Jan EQ Auto 5 735 821 86 EQ Auto 8 711 855 144 EQ Auto 9 752 883 131 EQ Bank 5 735 825 90 EQ Bank 8 715 854 139 EQ Bank 9 752 875 123 EQ Mort 5 720 802 82 EQ FICO 8 709 835 126 EQ FICO 9 749 850 101 EX Auto 2 706 818 112 EX Auto 8 709 838 129 EX Auto 9 740 852 112 EX Bank 2 724 835 111 EX Bank 8 709 848 139 EX Bank 9 745 845 100 EX Mort 2 738 817 79 EX FICO 8 688 817 129 EX FICO 9 741 834 93 TU Auto 4 751 821 70 TU Auto 8 747 843 96 TU Auto 9 799 853 54 TU Bank 4 782 833 51 TU Bank 8 751 846 95 TU Bank 9 801 844 43 TU Mort 4 739 806 67 TU FICO 8 734 815 81 TU FICO 9 806 835 29

Wow, what a difference a couple of months make, a clean sweep of all scores being above 800; all I can say to folks suffering through a Chapter 13 is, hang in there, the end result justifies the pain.

[eap82]

shipo Holy Moly!