Summary


Back in the old days, got credit scores from equifax and transunion as part of credit report purchase. They were.both higher than my fico score. Both FAKO’s were in 600s. Both FICOs were in 500s. I applied for Barclays apple rewards and Discover it. Declined for both. Since then, I obviously have accurate FICOs in the 700s. Having a secured installment loan helps cushion against minor fluctuations. I obviously overcame the past, and have received Discover IT and Barclays Aviator (and a few other cards on my side list). Of course, I used score watch while cleaning my reports. I then tend to purchase the 3b monitoring before applying for new credit. I use credit karma and credit.com to monitor for abrupt changes in credit, those are free.

Score Comparison


Non-FICO Credit Score

600s

600s from Equifax

Obtained from Bureaus

500s

500s from Equifax

Obtained from n/a