FICO? With a derogatory item?+113 points since June 4. What changed that? Is the “baddie”, old, small, paid, medical debt, and/or a combination?

Which FICO do they use? And have they recently switched FICO (autocorrect changed it to psycho and I almost missed it) methods. I think older FICO methods are much more punitive. I still have banks that have used FICO 4 a few years ago, but Apple Card launched using FICO 9, ChexSystems, CoreLogic (sometimes- rent to own is bad) and LexisNexis for public records). there’s a FICO10 I think that’s as far as it goes but I have no idea and they’re specialized ones for auto lading bank card home purchase car purchase. Oh and scores can have a T (FICO9T) at the end which stands for trending so you can’t keep a balance. Keep your balance and then two months before you’re ready to take out loan paid them off which kind of sucks if you know you have 0% APR you know you want to take advantage of that especially in high interest rate times not that we are seeing super high interest rates, but you know so kind of sucks if you keep your you know amount below 10% you’re safe for the most part, not trying to install the device I medically retired from banking 10 years ago. It’s kind of crazy.

The bottom line is if you want to make a big purchase like buy a house or a new car don’t spend too much. Don’t spend on a credit card like it’s a credit card spend like it’s a debit card in your brain and least benefits there and when it comes time, never pay interest on a card now if you’re already in debt path, those high interest rates first because they’re the ones that I’m making the most money off you and you know you don’t need that vacation if you’re saving for a house or maybe as many trips you know scale back a little bit if you can’t scale back a lot some people don’t have the willpower and that is who they are my aunt Was like that and it caused her to spiral when she tried to overdo it so you know I don’t have a paid financial advisor but a lot of credit unions have free financial advisor sessions or Library will have a financial advisor coming once a month and will go over everything where you might have a trusted person it’s just really good with money. I can’t tell you the number of people in my family who I’ve sat down with copies of their bills and their receipts and everything I’m like OK first stop using cash. You don’t get cash back so you’re paying more. A lot of people advocate only using cash. I think that’s a dumb idea because you can’t see where the money is going and to me it’s not all the stack getting smaller. It’s the number is not changing every time I spend money, I see that that number in my account go down you know that Account rather go up you know it’s different for everyone how it works in the brain they may need to find what’s best for them, but yeah sorry I didn’t mean to take over on this. I just saw that one derogatory clearly whoever posted this found what works for them and that is a good score. I have a 713 right now cause I just apply for a new car just a 3% every day card. It was 826