FICO Discussions

Does BETTER pre approval lower your fico?

They offer soft credit pull which doesn’t impact your fico(as per their website). should I get it first and shop for the best rates possible later, once I find the property I like? Any downside of that? My fico isn’t strong enough currently, at 720 so I like this option a lot. Some people say it

Credit score bofa FICO vs credit karma

Does anyone know how the credit score is tabulated? I have a difference of about 30 points between my bank of America FICO( which is higher) score vs what is reported on credit karma(lower). Which one is valid? And why is there such a huge discrepancy?

FICO India : Looking for referral

#referral #fico

Easy way to restore FICO score

I missed a few payments bc I was kinda lazy. Today my FICO score drop like 80 points wtf. Does paying off the whole loans get the score backup? What should I do? TC 410k

Ways to quickly increase FICO credit score?

Hi, I have a few late credit card payments that were mostly due to things that slipped between the cracks due to moves and such. Looking to buy a house now, are there ways I could quickly improve it?

Which fico model scores do mortgage lenders use ?

Is it always fico score 5(equifax), 4(transunion) and 2(experian) or do different mortgage lenders use different models(like fico score 8 or 9 etc) ? The loan officer from bofa i spoke to had no idea about the exact model they use. My score seems to vary a lot across different models even for same

Best lender for refi ? FICO 8 credit score?

Hi - I’m trying to refinance and I’m looking for a great lender. I did some research and found out that a lot of mortgage lenders don’t really use FICO8 scores but older version of FICO scores. My FICO8 score is above 740 but older version of FICO scores is below 740 and don’t seem to move up. Does

Referrals for Data Analyst roles (Fico, SAS, AWS, Coupang)

I am actively seeking positions for data scientist/analyst roles especially in Fico, SAS, and Coupang. I have 10+ YOE in machine learning (credit score) and data analytics engineering in a financial company and foreign government, with a Master's in data science, and can speak English and Korean; An

Best bank account that provides free FICO score?

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Good Fico or # of inquiries to get a new CC?

What’s more important. Fico score is high But my credit report still has some hard inquiries for the past 2 years. I got rejected my CC in September during to this. Since then my fico went up to 800. Should I wait for longer, try another card or apply now?

Help what should I do when FICO score is wrong

My FICO score has consistently stayed within the 740 range, and there have been no additional expenses, new card applications, or closed accounts in the last year. I haven't made any late payments in the past 12 months, and there have been no major expenditures. Despite this, my credit score has une

What's a good FICO score for a new grad?

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Where can I find lowest interest rates? FICO 770+

#mortgage #housing

What is the best way to improve FICO rating?

Committed some stupid decisions like opening multiple cards and making hard queries and my credit score is well below 700. How can I improve my score? Looking for someone (perhaps a financial advisor) to take a good analysis of my report and provide actionable advice/recommended next steps.

SAP FICO consultant 8.5 yrs seeking new roles at Google, Meta, Apple, booking, Zalando, delivery hero. Referrals needed!

#referral #ReferralNeeded #sap #consulting #SAPFICOExpert #TechGiantOpportunities #CareerGrowth #Networking

Can I (Canadian) still apply for a lease if most listings require credit report and FICO score?

Looking to rent in SF soon. Are the Canadian equivalents for these reports/scores enough for most places?

Do i still need a github profile to interview for DS roles if I have 6yrs+ exp in model validation (fraud, FICO etc)?

#tech #datascience

My FICO score just decreased 15 points. How to increase it in the next 2 months as I need to apply for a car loan soon?

I just paid off my student loan and my credit score decreased 15 points due to that (it’s now ~750 and could be even lower next months). It mentioned that it was because I have $0 balance on non-mortgage installment loans and that’s considered slightly more risky than having a low installment loan r

Help really confused which one to join same offer with bangalore for java full stack 4 yrs exp fico or deutsche bank

kindly help

Help really confused which one to join same offer with bangalore for java full stack 4 yrs exp. @fico or @deutsche bank

Average credit score

Hi, I'm looking for a loan over a million for a house with 20% down payment. I have 769 vantage score and 689 fico score. Based on research online I see most lenders use fico score. Am I screwed in terms.of interest rates? What would be my options here to get good interest rates? My fico score can'

What's your credit score?

(Only Experian Fico 8 or 9-Vantage from Credit karma doesn't count)

LinkedIn moving from oracle to sap? Layoffs ahead.. google confirmed moving to SAP

Hey LinkedIn folks heard you guys are moving from oracle financials to sap fico? How true is it and what is the timeline? Lot of layoffs on horizon for finapps or finance tech support team?

Which credit score type is the most important?

Hello! I got my first credit card a year ago so I'm still learning. I noticed that my credit score in Vantage is lower than FICO. Which one is more important in terms of getting a house loan later in life? If it helps, my fico is 750, vantage is 715 #credit

Single credit card, can I get my first mortgage?

Fico 800 Credit limit $3000 Utilisation 30% NW 1m Looking for a jumbo loan What banks would consider me? #mortgage #housing

SAP or Data Analysis?

Which career path will provide better long term growth and higher wages: SAP FICO Consultant or Data Analysis?

400k cash available, how much to put down for housing

I want to buy a house around 900k and have around 400k in cash. My FICO score is ~660. How much shall down payment I should do to avoid large monthly payments? YOE: 3 Tc: 260k

Looking for referrals to mortgage brokerage

I am at $230k TC 721 FICO So is at $95k TC 694 FICO We live in Houston, TX and want to buy a $600k family house with our $330k TC. I read an old post saying that Costco Mortgage might give you a cut for going through them but that was a post from 2018. Any suggestions on best places to get a mort

Should I apply for a new credit card if planning to take a loan soon?

Planning to apply for a car loan (around $15,000) in the next 2 months. But I’m also considering to get a travel credit card with sign on rewards as I will make some large purchases this month/next month (around $5,000) and upcoming travel plan abroad. I’m worried that if I apply for a credit card