What do you think my fico

Discussion in 'Credit Talk' started by mother2, Mar 14, 2001.

  1. mother2

    mother2 Well-Known Member

    score is: On my experian report, it states that I have 16 accounts listed with creditors. Out of 16, only 8 are in good standing. :eek:(

    Can you give me an estimated guess as to what my credit score might be??
  2. Erik

    Erik Well-Known Member

    I think people with collections or charge-offs are usually between 500-600. I think there are many parts of the FICO score that will treat 10 collections as just as bad as 1 collection. So the number of negatives might not be the thing it is actaully the fact that you have a negative which is hurting. Of course if those negatives are 2+ years old and you have done a good job rebuilding for the past 2 years then I think you could get a score in the 650-700 range.

    This is all sort of guesswork on my part. A realtor or someone who has seen many reports w/ scores might be able to give you a better idea. I have just read a lot about it though...
  3. Momof3

    Momof3 Well-Known Member

    I believe they all score differently as well. I got a true reports last October. My hubby's scores ranged quite a bit.

    TU 660: 5 accounts good standing one collection
    Ex 626: 5 accounts good standing , clean no derogs
    Eq 580: 5 accounts good standing, one collection ( that puzzled me)

    True Eq and Ex had more inquires but not much different from TU. I don't think we will ever figure this out!!
  4. mother2

    mother2 Well-Known Member


    I feel a little better. Wish I had the nerve to have a mortgage co pull my report.
  5. sam

    sam Well-Known Member

    Re: thanks!

    go get the free score at qspace/iplace, its accurate within about 10% of beacon and such.

    with 8 negatives your score should be in the low 500's like 520-540 if they are all about 4-5 years old.

    My profile was similar, about 9 negatives, 4 closed positives, and 4 open positives, all negatives fall off in 2003, i got like 522.
  6. sam

    sam Well-Known Member

    Re: thanks!

    oops its not free anymore. I forgot.
    worth the $10 bucks.
  7. Jim

    Jim Well-Known Member

    Re: thanks!

  8. mother2

    mother2 Well-Known Member

    Re: thanks!

    Thanks for letting me down easy! :eek:)

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