Used the free FICO score thing on here

[LSUTiger32]

Where did you find the free fico score thing on here?

The big banner in the top center of the page. I think it changes from time to time but just keep checking it.

[backtoschool]

So I did the free thing and got the 10 day free trial just to see where I stood.....as some of you know I don't care what it is because I am not applying for anything but thought it would be fun.

FICO score: 648 as of October 20, 2010

I guess that is not horrible considering. Also noticed that my mortgage is not being reported anymore, but now I am wondering if it ever was since it's been a long time since I checked my score.

They gave me a negative of no revolving credit.

One good thing I noticed is that I am down to one inquiry, I remember a time when it was like 19 in a two year period......good lord! The one inquiry will actually fall off in a few months, so I will be inquiry free!

Just an interesting exercise.

I think that your fico sounds about right. You and I were discharged around the same time. The lack of debt and time, plus whatever initial repair you did post discharge healed your score some. There are just so many factors that go into a fico it is difficult to compare your fico to anyone elses. Of course you know that I think that the lack of new positive trade lines is hurting your score. I also know that you don't care about the score so it doesn't matter.

What would be interesting to me just as an exercise , is to find out from a broker if that score, with no positive trade lines, will be good enough to get a refinance on your mortgage. I am hoping it will be.

[Nicollette]

Where did you find the free fico score thing on here?

[LSUTiger32]

So I did the free thing and got the 10 day free trial just to see where I stood.....as some of you know I don't care what it is because I am not applying for anything but thought it would be fun.

FICO score: 648 as of October 20, 2010

I guess that is not horrible considering. Also noticed that my mortgage is not being reported anymore, but now I am wondering if it ever was since it's been a long time since I checked my score.

They gave me a negative of no revolving credit.

One good thing I noticed is that I am down to one inquiry, I remember a time when it was like 19 in a two year period......good lord! The one inquiry will actually fall off in a few months, so I will be inquiry free!

Just an interesting exercise.