tag:blogger.com,1999:blog-8824441942893023866.post7893399451738840917..comments2023-08-10T04:20:47.478-07:00Comments on Shtinkykat's PF Blog: Are You Sure FICO isn't spelled FYCO?Shtinkykathttp://www.blogger.com/profile/13463418160441246011noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-8824441942893023866.post-56967285402394081672010-04-15T05:21:21.112-07:002010-04-15T05:21:21.112-07:00I think it’s time we challenge congress to help re...I think it’s time we challenge congress to help reform credit scores or at least pressure credit rating agencies to have better practices. Check out my post to see what you personally can do. Thanks!<br /><br />http://www.notthejetset.net/2010/04/help-reform-fico.htmlMrs. (not) the Jet Sethttps://www.blogger.com/profile/10417915655613428731noreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-85896431448909732162009-12-18T23:32:48.289-08:002009-12-18T23:32:48.289-08:00Dear Author shtinkykat.blogspot.com !
I apologise...Dear Author shtinkykat.blogspot.com ! <br />I apologise, but, in my opinion, you are not right. I am assured. I suggest it to discuss. Write to me in PM.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-53247488510654049922009-12-17T14:56:44.008-08:002009-12-17T14:56:44.008-08:00Your problem, like so many other bozos is that you...Your problem, like so many other bozos is that you are fixated on this FICO bullshit and that's just the way Fair Isaac and all the agencies want it. If you had half a brain and used some of that $100,000+ education you threw your money away on, you'd simply pay your debts as required and look to pay them off as quickly as possible, pay your bills on time, and just forget the credit score crap, it will take care of itself. Suze and others have brain washed you and millions others that your FICO score is sooooooo important, and rightly she should as she gets paid by Fair Isaac.<br /><br />Understand it good...you've been fucking brainwashed. Just forget your FICO score and trying to manipulate it. Just live your life.<br /><br />Got it? I seriously doubt it.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-89944375075459627532009-12-15T04:00:31.799-08:002009-12-15T04:00:31.799-08:00My Fico score from Experian and Equifax is higher ...My Fico score from Experian and Equifax is higher than my Transunion score. Don't know why. Did you get all three scores? It may just be that Transunion people calculate it differently.JJnoreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-63010037692136618742009-12-14T12:58:52.498-08:002009-12-14T12:58:52.498-08:00i'm so not a fan of fico!! good luck managing...i'm so not a fan of fico!! good luck managing your score.Ms. MoneyChathttps://www.blogger.com/profile/03687376914286381209noreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-86500388820610947242009-12-14T12:35:06.466-08:002009-12-14T12:35:06.466-08:00I haven't checked my score in awhile, I'm ...I haven't checked my score in awhile, I'm curious now. Don't you hate the secretive nature of the whole thing? Who knows what goes into their calculations, some of it is probably arbitrary and capricious. As long as you aren't needing new credit soon, it doesn't really matter. Your score is good enough.Miss Mhttps://www.blogger.com/profile/15926161058644761041noreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-69010048766365534942009-12-14T09:54:46.337-08:002009-12-14T09:54:46.337-08:00A coworker of mine has a theory that they are mess...A coworker of mine has a theory that they are messing with the model since the crash. His fico dropped below 700 and doesn't have any late payments ever.<br /><br />I haven't checked mine mostly because I don't feel like seeing 720 when just 3 years ago I had more debt and had a score of 790.chiarahttps://www.blogger.com/profile/09597283400851387772noreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-48177841252158778072009-12-14T07:12:36.573-08:002009-12-14T07:12:36.573-08:00FICO is just weird but I don't understand how ...FICO is just weird but I don't understand how a late payment that doesn't even show up on your report anymore is still hurting you. That's weird! FWIW your score is still probably way better than mine. And LOL @ Hester Prynne's PF blog.Sallie's Niecehttps://www.blogger.com/profile/03662769521869035227noreply@blogger.comtag:blogger.com,1999:blog-8824441942893023866.post-77679322845403889382009-12-14T06:42:07.101-08:002009-12-14T06:42:07.101-08:00You got it, Shtinkykat - you got it with the taste...You got it, Shtinkykat - you got it with the tasteless joke (that's EXACTLY the way it is) and you got it with figuring out that the "simulator" is useless and worthless.<br /><br />I've got a far lower score than you, mainly because of high utilization (if you think 19% is bad, try 58%.) But I am still quoted things like, "a serious delinquency" when turned down for credit or for a credit line increase or a rate decrease.<br /><br />Why? In summer 2006, in the midst of 24 perfect payments in a 24-month installment loan, apparently ONE payment hit the 30-day-late mark. I don't even remember what happened and have tried unsuccessfully to get this removed as an error, whether it was or not. I don't think the loan issuer remembers what happened, either. I don't think anyone but Fair Isaac has any understanding of what might have happened.<br /><br />But I sure do have to hear about it forever, and ever mind the hundreds upon more hundreds of perfect payments to ALL my other accounts before and since then, as far as the eye can see.444https://www.blogger.com/profile/18317761558076527630noreply@blogger.com