My Fico Forums - new credit cards help or not help?.

Opened 12/22 - $2K recon to $5K. Currently rebuilding as of 04/11/2019. Hello all, this is my first post here! Ive been lurking for a while now and wanted to thank everyone who uses this board. But when I applied for the personal loan - they pulled EX 09 (720) LOL/24 INQ …. My monthly payment was around the same ~$890/month. Plus theres an AF for that card. I’m sorry, but I would rather have thousands of dollars in secured cards for 5 years versus paying $100 in fees for a $500 credit line sub-prime credit card. I have 2 NFCU cards with limits of $15,500 and $10,500 both opened since 2019. Nevertheless I would dump the Surge and Avant cards, due to the annual fees. I didn't get a prompt to press pound key. Both limits at 500 but paid perfectly. Presumably this means that somebody with, for example, $5000 owing on one card with 29% owing on that one card and 8. Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | …. I applied for an auto refinance with Consumers Credit union and was able to drop my rate from 7. My situation is I currently have about a $14,000. Things like: retirement, banking, budgeting, personal loans, and credit card debt. Unfortunately Equifax is notorious for issues, there's lots of posts regarding similar issues with them, if you haven't already, search 'equifax duplicate' in the forum search bar above (search all community) and you'll be provided with lots of reading. My advice would be to stop applying for things at this point, and let some time pass. Jan 30, 2024 · 01-30-2024 07:51 AM. I charged it and paid if off right before the statement cut. The creditor reported it correctly. 24 hour walmart nashville tn My Discover is scheduled to Graduate on or after October 16th. Main thing I learned was registering for the benefits you're wanting or likely to use. Date of first Approval for Card: October 2020. It's in the "Statements and Activities" section of the website for your card. Thank you for the replies! My Fico8 is 667 TU, 652EQ and 636EX. The graph below is based on actual data [Fico mortgage scores: EQ Classic 04 = EQ score 5, TU Classic 04 = TU score 4, EX Classic 98 = EX score 2]. I initially went to see if I could qualify for the secured CC they offer but wanted to become a member also so I did both. -American Eagle Financial Credit Union credit card. I had a friend that just purchased through and financed through Hyundai Finance a 2017 Elantra, and they told her it was 700 to get approved. Taking what was once considered an elite card and turning it over to an off-brand company is not the way I would have thought it would end. these letters dont need a template you just explain. Need help choosing a new card with bad credit. 2 acre homes for sale in georgia Filing Chapter 7 this Friday (2/23/24) It's a Uniq You can recover from bankruptcy with hard work and support. I want to share this in case someone else is going through the same. I'm grateful for my progress since my Chapter 7 bankruptcy was discharged in June 2021. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), and it does include 2 popular store card exceptions (Macy's & Target). After quietly observing this forum for a long time, I've decided to make my first post. Advice please! the quick and dirty, you can drastically improve your score by paying off your cards in full. Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning. Lenders commonly send credit card accounts to a collection agency after 180 days of non-payment. When I first applied back on May 21st, it told me that I only qualified for a secured card. Makes me extra salty about my low SL they gave me. Personally, I would look into prequalifying for cards before you apply to avoid the hard pull. Haven't received an adverse letter from SYNCB, but after calling them, I was told my accounts were closed due to ' high risk of failure to pay'. 14 days/2 weeks means most likey it is approved. If you just want the 5% off at Target, the debit card is a good choice which doesn't impact your credit report (but with fewer. If you can stay on the train long enough, you might …. Today my credit dropped tremendously due to an old card I …. HSBC and Denver Community Credit Union deleted the prequalification of their cards. Are you looking to sell your old appliances? Perhaps you’ve upgraded your kitchen or laundry room and need to get rid of your old refrigerator, dishwasher, or washing machine. We've had multiple members here over the last few years report successes with both paid and unpaid chargeoffs that aren't as old as yours is. I checked my fico credit scores today my fico TransUnion and Experian credit scores went up. Latest Post - Re: Username Change Request. -Applied via a mailer invitation code. The only difference, number of pulls. However, Sheffield Financial's loan documents outline the scoring model they use indicates my TransUnion score is 675. On January 17th 2020 I was a approved for Navy nrewards card graduated on August 20th to the cash rewards which at that time changed it to - 6413389. My BCU Travel Rewards Visa Signature went from $5,000 to $10,000, and my BCU Cash …. In spite of the fact that it is in USD, EUR, GBP, or CDN. My company is also licensed in 12 states, Arizona, Colorado, Nevada, California, Oregon, Washington, Utah, Alaska, New Mexico, Texas, Illinois and Florida. Wait til it prompts you to press the pound/# key, then press 4 for application status. 0% APR for another 7 months except Discover expires in March 2020, the Capital One Card I rarely use. There's definitely the possibility that it may be one of the reasons to deny a cli request initiated from your side. I have an open installment loan for $1,500 (5 months old), on time payments. It is our belief that through credit education and taking greater individual control of personal finances, …. Rebuild complete! 4 years ago my scores were all under 600, and had been below 500 a couple of years before that. Requested CLI 4/27 - SP $22K requested $25K and countered at $22K. As to the score question, this is lender dependent. Specializing in VA, FHA, USDA & Conventional loans. I was just approved for the PenFed Platinum Visa for $6,500 Still a ways to go to catch up to you superstars but two years ago Avant - 6744035. I thought about applying through NFCU again since they just graduated my secured card from $250 to unsecured of $2000 without a request from me. I logged into my account yesterday to discover a $750 CLI ($4000 to now $4750). After I submitted my application, the status said pending and they would reach out to me for more information if needed. Re: Keybank Cashback Credit Card, $10K approval! Congratulations on your key bank credit card approval!! I started my journey of rebuilding my credit with a $300 Keybank secured credit card about three years ago. Congrats on your approval! My Apple Card (2% Apple Pay, sometimes 3%), Discover Card (1% or 5%), and SoFi Card (2%) are my international travel cards (all no FTF), but domestic travel is standard category. Ive been a member since I was 16 and my grandparents since long before I was born. So I called recon and they wanted to verify my identity. late paymen showing when you have record of making payment on time etc. I had a lot going against me, but they still let me in. A few DP: HP on Experion only (FL) 3pt reduction on EX FICO8 for the HP. Revolving is a $40 balance against a $10,000 limit (it's a secured card). Located in Southern California and lending in all 50 states. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 687. KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA …. 3x the limit is the max - they'll counter if necessary, outright deny if they're not comfortable with any increase. Since it went from 7-10 days to 30 days, it's a good sign! Rooting for you! Keep us posted. Utilization at like 5% total across all. They are my primary bank as well. VA & FHA down to 550 Licensed Senior Mortgage Loan Officer in the states of Arizona & California. I am still in shock about the approval. I would have accepted if they gave me at least $10,000. That is an excellent outcome -- Congratulations! @Anonymous. Either the original creditor or the collection agency may report the account in collections to a credit bureau. I'm curious too, as my Olly card was opened 2 years ago for $1,500, they gave me one increase at 6 months to $1,800, where it stayed until 2/23, at which time it was CLD to $300, now it sits on my desk, unused. Re: Discover It - Approved! congrats on your approval. I was going to focus all spending on the new NFCU CashRewards card to increase the odds of high CLI's. For context, the highest CL I had received up to that point when I applied in 10/2021 was $2,000. I am preapproved for 5 of the cards at Truist but when I go to apply it says they can't verify me through their digital process. approved for the nfl extra points card by comenity for 9,000. 0: 678, EX Fico II: 690, TU Fico Classic 04: 716. All FICO ® Score products made available on myFICO. I would like to introduce GitHub badges to myFICO. Hello All, This May not be a usual topic here but I want to get insights. Approved/pre-qualified for 5 of them with explicit credit lines (ikea $6000, tempurpedic $3100), but when actually finishing, every single one said they were reviewing the app and will get back to me. Let's not mention the annual fee weighing in at a $250 dollars!. I can't seem to find a place to buy the product anywhere on myFICO's products page. 5k); NFCU ($11k); Penfed visa rewards ($10k). finding camellia 1 Thinking TU failed to respond in the 30 days, he goes to the TU website to pull a copy of his report to prepare to send a letter requesting deletion and sees that TU shows the dispute completed on 28 March. I have a Target red card with a $300 limit that won't budge. After 3 YEARS, it's only at $4. 7 Approvals in 6 Months! Decided to go on an application spee and applied for 8 cards within a span of approximately six months. Hi Does FICO scores update once per month? My FICO says my next update is in 30 days. Appreciate the info, but as others have suggested, Midland is actually pretty easy to deal with and they do PFD voluntarily. Some with 20 yr old cards cant even get a $100 CLI. I understand the minimum approval limit for it is $10K since it is a VISA INFINITE card, so $35K seems to be pretty decent. Interestingly, the email specified an initial $5K limit but, upon logging in, I saw a $10K. AllRegs is the training company owned by Sallie Mae and has since discontinued the …. Now i have two store accounts a best buy mastercard with a higher limit than my store card and a direct rewards card with a higher limit than my store card! Just got my first cli from Best Buy. AMEX application after Amex charge-offs. This seems to come up a lot so I thought I'd compile a list. EX 08 ~780 (not sure which version they used) Not a member before applying. Thankfully, I was granted my $7,000 CLI request bringing this card to $24,000. Utilization around 6% with total CL over $800k. I'm in a rebuild and have an existing loan for my car still owe 16k or so and have a few cards with highest limit only 1K. If paid timely it supposedly will increase your credit score. I see it has high annual fees and also high interest rate. Approved for Chase Business Ink Unlimited $8k SL. Always struggled with getting any type of credit threw or for anything never bin approved till recently got letter in mail from credit one saying prequalified so I scanned at code and applied got approved for 400 limit haven't used it but two time for gas $20-$10 figured wanna get. Take the myFICO Fitness Challenge. Account must be at least 61 days old for first request. Also, Inquiries hurt your vantage scores for the full 24 months. Congratulations on your Active cash credit card from Wells Fargo. You don't need to deposit a high dollar amount as credit limit doesn't matter - you can start with a line as low as $200 and reap the same scoring benefits as a $10K line. Mine was almost an order of magnitude larger than that when I made my 1st pass at cleaning it up) (3/2024) FICO 8 (EX) 846 (TU) 850 (EQ) 850. (which I got for 2 year interest free financing), Target (for the 5% off), Dell charge account (interest free financing) and Macy's. I can't really complain however they - 6494410. Will CLI when the card arrives for activation. 1/25/2021: FICO 850 EQ 848 TU 847 EX. Re: Amex - My Credit Guide - Goal Score. Standard bonuses as currently shown at BofA site (0% 18/mo xfer, 3% xfer fee & $200 for $1k/90 days), 17. Re: Fico score drops 10 points no reason. -Existing relationship with chase, checking & 3 CC. Honestly, I'm about ready to just close them all, but waiting to see what they do. in order to help the veteran qualify. 2 - Platinum is not "better" than Gold. My Max Cash Preferred does not read as such anywhere on the card, but it still functions as it should which is all that concerns me. I don't know which bureau they pull for CA residents. It helped me get to a great place until recently when I basically threw my credit - …. Re: Remaining/collections and how much score is impacted. Discover and I really do need couples counseling. Feb 19, 2011 · Re: MyFico is a fraud! Honestly a clean CR with low util would produce good scores in any system and allow you to obtain credit at good rates. 6985 Posts ‎05-08-2023 10:15 AM: 48 Credit CARD Act and New FHA Rules Download. In the last stages of a rebuild. Jan 1, 2024 · Take the myFICO Fitness Challenge 2024! by Kenny on ‎01-01-2024 06:30 AM Latest post on ‎04-19-2024 03:58 AM by Anthony101990Jones. Are you a proud owner of a Singer sewing machine? Whether you are an experienced seamstress or just starting your sewing journey, having access to the right resources is crucial. MyFICO is a subscription credit monitoring service that helps users track their FICO credit score. I requested a limit increase with BCU for both of my credit cards, which was approved. I just called them asking about their secured loans and was told. Why did my FICO® Score change? When will my FICO® Scores update? Where can I see the different FICO® Score versions? Which ones are …. Reported business revenue $53K, which is on the conservative side. Doing so would spike my total overall credit utilization. You could use the free FICO Scores Estimator tool to get a ballpark idea of your FICO Scores. It can be if for example the card is sockdrawered. Since they report as a consumer finance trade, every purchase that you make would be reported as a separate tradeline. $400 limit, annual fee starting $75 then $99 billed monthly. jojobabie reddit My Chase Sa pp hire Reserv e credit limit was increased from $55K to $80K today via credit limit consolidation. I was surprised to see that it said my score would go up a minimum of 70 points and a max of 110. Oct 1, 2021 · Re: Chapter 13 - my story start to finish. Their lounge is getting good reviews, so I like that as a perk. Is 2% the best that it gets, or is there a 1%. After the inquiry, I was offered a new rate of 10. Credit scoring is a snapshot in time. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. They will reference the application number, and address why identity does not match. However my Equifax fico stayed the same. My credit history has been pristine for the past 15+ years: credit utilization of less than 5%, always pay my bills on time, and scores ranging from 800-855. Also, Photobucket now requires a paid subscription to host images that are linked to another site (like this one) many people are using imgur now. I've been dealing with an issue for some time with Equifax. I recently paid off 4 card balances, Capital One $275. My collections are: LVNV FUNDING , OC: Credit one for $594. They run Transunion and are a conservative lender who usually requires a …. Re: Chase Sapphire Preferred (CSP) approval. The other day, I received notice in an official letter that Synchrony was decreasing my $4,000+ credit limit to only a few dollars above my balance. I can tell you the mortgage scores here on myFICO are the same exact as what we pull though, assuming both are checked on the same day. Adding looks like they pulled only Experian. SL was $1600 and I still don't have the love button option yet on the app. Current Scores (09/23): TU-645 EX-639 EQ-655. Re: MyFico is a fraud! Honestly a clean CR with low util would produce good scores in any system and allow you to obtain credit at good rates. It doesn't say anything about me being prequalified anywhere but it says "You're invited to become a Luxury Card Member". You should cool it for 12 months! Your score is going to be under 700, therefore any new cards that you get would have toy limits or denial. You should easily qualify for either, given the info you included in your post. This will make Chase my second highest credit line. 4/21/22 Checked online, Approved CLI +$8. specifically, i paid off or settled the last of my derogitory accounts from a credit mishap circa 2017. Delta SkyMiles Blue- SL-$1K | CL- $22. cars for sale craigslist salem oregon They do have a recon department. Free access to your FICO Score and credit report are courtesy of the FINRA Foundation. That includes individuals with FICO scores in the fair range – which runs from 58. Chase's Amazon Prime (Visa), offering a pre-approval and an immediate up-front $200 bonus w/ no spend, (delivered as a $200 load onto Amazon gift card), seemed a pretty logical replacement for my unbeloved Sync store card, so I decided to apply. Most creditors don't go purely off of scores, so having many inquiries beetween 12 and 24 months old can still hurt you. myFICO doesn't regularly check this. Absolutely! My FICO scores hover around 715, and my Vantage scores are in the 730s range. I'm tossing around the idea of picking up an AMEX Green card. Just tell them it was a duplicate payment. and last week applied and got a Capital one Walmart Master Card and got approved for a $300 starting limit. Mar 23, 2024 · All I can say, without more information, is. Most likely they would remove the new update but not the original. Ever since the early days of Pong, computer gaming has been an engaging pastime. The only restriction is, it has to be a single deposit of at least $100, and not like four $25 ones. When I first started with Amex, agent called my bank while I was on call with her; she did not seem to care about the balance. Sep 4, 2012 · The GW success stories covered credit cards, installment loans, mortgages, student loans, and collection agencies. Easiest way to find out when accounts are due to age off is to pull all 3 of your credit reports from annual credit report for free (no scores). Congratulations on your BofA CCR approval! It's an overall solid card! Last month, I applied for and received the Bank of America Unlimited cash rewards and was approved for a $22,500 credit line. But the simple act of doing so wouldn't increase the score. I moved my DD to NFCU recently and have a cash rewards at 5. Apr 14, 2013 · This is the board for you. Having my $1,000 in an SDFCU secured credit card with no annual fee vs a high-fee card is like a 200% APR. The answer to most of your questions is, "It depends on the lender. You can pull your own consumer mortgage score (soft pull) right here under the products section. My experience is this regarding the length of time open before sp's are used. We are never on the same page when it comes to our relationship. Over the years, I added the Macy's Amex, Wayfair MC, Shop your way rewards …. So I just got off the phone with the Barclays Credit Department with a Recon attempt (and fail). Rather, it is better for certain uses, while Gold is better for other uses. Received notice that my Capital One Venture will go under review in June and that my credit line may be reduced. $200 SUB for $1k spend within 90 days. One week later the reasons for the denial (see below) came in the mail. This is free to do weekly through 4/2021. They will also give it to you if you deposit at least $100 a month. With a wide range of topics and discussions, it provides a unique opportunity for bus. The FICO Score is the credit score used by 90% of top lenders, so it’s an important part of your credit picture. (3/2024) FICO 8 (EX) 846 (TU) 850 (EQ) 850 FICO 9 (EX) 850 (TU) 850 (EQ) 850 $1M+ club Artist formerly known as the_old_curmudgeon who was formerly …. Discover (After submitting, scroll down to the section giving rates. Wait six months and have an Equifax score of at least 650 (They are Comenity backed, and Comenity loves Equifax pulls for new accounts) 2. After that, your variable Standard APR applies. Currently hold the NFCU Flagship card. Does anyone know if that is true?. I actually shopped HELOC rates with two credit unions when I was seeking it (note that it was about 6 years ago on a house sold 3 years ago) and one pulled and used Credco (the three mortgage scores) and the other used a simple Fico8 pull. I think IIRC i burned them for around $2k no more than $3K. Discover offered me a whopping 15% IR with scores in the 780 range. I'm with you my TU fico 8 is pretty close to my other TU scores like on CK, Wallethub, Lendingtree to name a few but it's off by like 20 to 30 pointsmy EQ and EX Fico usually have a 40+ point difference than. I scheduled a $1K balance transfer from my Chase immediately. 59 (which actually use to be over 5% upuntil last year). This is the Rewards card which seems to get very little air time here. Right now, I have two accounts that were charged off that year (both paid in full in 2019). Late payments can report no longer than 7 years from date of occurrence so for example if the first late was 1/2009 it will be gone by the end of 1/2016 and so forth. 4/24 at time of pull with one card being 23 months old. proctorio cheat reddit My mom had an account for years with Desert Schools Credit Union. This is about 77% in revolving credit utilization ($50,000 total revolving balances/$65,000 total available revolving credit). Now, 21K posts later, we seem to be on our way!. All bad debt has since been paid off and my credit score is in a good - 6460564. There is an intermediate screen between the application submission and final acceptance where I had the opportunity to decline or accept their $2k offer. you should see a message that basically says. pormhbu Oct 19, 2023 · Re: Chase Sapphire Preferred (CSP) approval. (DV's are never sent to the OC). First step is to get a copy of the discharge papers and dispute with the CRAs to get the BK to show discharged. Generally, anyone who has a credit score below the “good” rating is considered to have low credit. They recently increased me to $10k. Search the forum for Waypoint and you will find what you look for. I recently started receiving pre-approved offers from Lending Club, with amounts up to $50,000. I was feelig pretty confident as my utilization was 8%, Experian at 732 and I had 2 inquiries in the last year. Goal Score: 740 (All 3 Bureau's) June 2024 **. The attraction of PenFed and BofA is they have a hybrid HELOC product where …. In addition, The VA will allow the seller to pay your closing costs, to include your homeowner’s insurance and taxes. If Wells Fargo recognizes the vendor, the balance transfer will be electronic and post in a few days. The term “pm me” is a common Internet expression, frequently found on forums, which means, “Send me a private message. container owner operator jobs It showed that the dispute should be completed by 15 March. I started with Propel credit card back DEC 2018 with a 7K limit. Their only requirement is 6 months of consistent Biz revenue going through them to base their Working capital loans on. Business 8yr old was used off an on, showing good income last 60 days, projected. Any and all advice is welcomed. com aka Figure (Figure Lending, LLC). Yeah even if your utilization is super low opening lots of cards in a short time span is a red flag to lenders so they hit you with a denial. gotham garage lincoln zephyr Hi I've never applied or gotten a personal loan before. Good evening Fico Fam! So as the title states, " Amex Gold card. Happy to finally have Sam's Club back again now too. Then they pre-approved me for a Platinum Visa with $800 limit, currently $1,400 and $39 annual fee. BK might be sooner than a year. I read through the old thread from last year and wondering if there - 6456489. As stated earlier, so far it is still on one report so it has not been completely removed. I first went to the pre approval for capital one and it gave me 3 options (quicksilver, savor one, and platinum). Chase credit journey should have cards under offers if you are eligible. I took a PL from them on NYE and there was no additional info needed. Just received this BT offer in my inbox! Transfer your non-Navy Federal balances to your Navy Federal Credit Card ending in XXXX, and you could save with a 3. I have 6 credit cards which are toy limits, altogether $3400 limit, I have a satisfied installment loan for $500 from my credit union reporting on Trans - Experian only. Users of myFICO Forums are responsible for exercising careful and appropriate judgment in evaluating and taking action based on other participants' postings on myFICO Forums, since such postings may reflect significantly different levels of knowledge and experience by participants. Scan to check your FICO ® Score and credit data while on the go. Sooner or later you'll find someone who can answer the question. I figure ill try apping first to see if that yields any signs of me being on the BL or if its a green light. I finally got approved for the Flagship! I've been previously denied twice, but third time is a charm! $25,000 SL🤯 By far my biggest SL! - …. Jan 2020 last loan for schooling taken out. Here’s your place to ask all of your FICO Score questions, get support on reaching your score goals and help others!. 5 Best Personal Finance Forums 1. Learn more about what's in my FICO Scores. If you’re a guitarist looking to expand your repertoire or a beginner eager to learn new songs, finding reliable sources of guitar sheet music for free can be incredibly valuable. You need to know your "date of first delinquency". Said if I sold the home, I get 100% of equity in the home. I knew nothing about that back then. Glad to know my credit is good enough at least. But when you have a score less than 620, the fee to cover the rate starts to increase. This combo outperforms the Citi Costco Visa in a couple ways, it's 1% more cash back in both those categories, and both cards have no spending cap. FICO, myFICO, Score Watch, The score lenders use, and The Score. craigslist big Turns out they just wanted a copy of a ID. Some data: - They pulled Experian, FICO 8 was 712 as of app day (9/18); Bankcard 8 is 714; Mortgage is 761, FICO 9 is 736. Forums offer a unique space where users active. Users of myFICO Forums agree that …. Paypal is the more fully featured service in my opinion. Re: BofA Premium Rewards Elite - $30,000!!! Congrats on the approval. I found myself at IKEA, and they had friendly young people working an in-store kiosk with credit card offers. Feb 1, 2024 · Rebuild complete! 4 years ago my scores were all under 600, and had been below 500 a couple of years before that. If they agree then you need to pay them in full and then send the CA a DV. r/myfico: Discussion about FICO scores. While most people don't know the inner working of FICO, the rules to obtaining a good credit score are well known. Individual utilization is a totally separate metric which will hurt your score regardless of how good your aggregate is. Looks it will grow more than $300 Credit - 5995111. No telling without more info on your file. About 4 years ago, I realized I needed to figure out how to recover from bad credit. I just had to jump on the bandwagon. Id consider closing it, but I actually find some of their promotions good. But I'm again scared of another inquiry. This card claims to accept people with all credit types, but it's more geared for people with bad to fair credit, trying to rebuild. Probably the reason is because my credit age is 1. I applied and was approved for an Amex BCP SL $2k on 1/11/22, first ever AMEX card. Of course, it will take some time and it depends on where you start. It appears your seeking to grab a bunch of store cards which isnt the best way to go. Varies, mine was 1250 with a score of about 660 when I …. But you still owe however much you owe, and creditors still can see that amount, regardless of however much credit you have access to. Watch out video to get the inside scoop on all the things you didn. Not looking terrible, but not as good as I like them to be. I signed up to be notified a few months ago. I know this card is really way above anything that I need. Basically you fill it out and it gives the Social Security Administration the go ahead to verify your name matches your social. My main reason for considering it - 6587655. March2010 FICO® ~ 695 TU, 653 EQ, 697 EX. This is your place to do just that. Whether you're applying for a mortgage, auto loan …. Recent Questions on myFICO Forums: Missing Payments, Revolving Utilization and More. Initially, I got one because our business spends quite a bit on Walmart. The Experian service will only provide FICO 8 scores for Transunion and Equifax.