My Equifax FICO was in the mid 700's range until I took out an auto loan. Now it's 697. My Experian PLUS score is 718, and my Transunion FICO is 709. All 3 dropped when I took out the loan, but all 3 are slowly rising each month when I make a payment on the loan. The only negative factor on my report(s) is my limited history. I had credit since I was 15(I lied about my B-day) and I'm almost 19 now, but 4 years is still showed as limited history. Lenders want to see 7+ years of good credit.
Get this bullshit! My high balance is 18,253 which i have paid totally off! BUT, I had a 15 dollar bill that i didn't know about and EQUIFAX dropped my credit from 810 to 615, now you tell me how this is possible! I pay all my bills on time! Now i can't even get a HIGH INTEREST credit card cause of this!
equifax sucks.I hope they go out of business because nobody uses credit anymore and all those dicks end up on unemployment insurance and welfare,thats what they deserve.
Thanks for this info. Why the hell don't they teach us this shit in school ?
MrGoNzObeAtZ 7 months ago 2
My Equifax FICO was in the mid 700's range until I took out an auto loan. Now it's 697. My Experian PLUS score is 718, and my Transunion FICO is 709. All 3 dropped when I took out the loan, but all 3 are slowly rising each month when I make a payment on the loan. The only negative factor on my report(s) is my limited history. I had credit since I was 15(I lied about my B-day) and I'm almost 19 now, but 4 years is still showed as limited history. Lenders want to see 7+ years of good credit.
TheMostWantedR1 2 years ago
credit cards suck, leave them alone.... live within you're means it's easier
themaninthevan0 2 years ago
Get this bullshit! My high balance is 18,253 which i have paid totally off! BUT, I had a 15 dollar bill that i didn't know about and EQUIFAX dropped my credit from 810 to 615, now you tell me how this is possible! I pay all my bills on time! Now i can't even get a HIGH INTEREST credit card cause of this!
listentostrick9 2 years ago
The way people love credit, Equifax is going to be arounf for a long time.
Aragem 2 years ago
equifax sucks.I hope they go out of business because nobody uses credit anymore and all those dicks end up on unemployment insurance and welfare,thats what they deserve.
tubesteakbooky 3 years ago