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Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.Ĭopyright ©2001- Fair Isaac Corporation. In 03/19, card CLs totaled $0.ĬU and bank memberships: Coastal Credit Union, joined 1987, direct deposit PenFed, joined 2019 Navy Federal, joined 2020 USAA, joined 2020 Chase Bank, joined 2020. The AU card brings the total to $179,000. Thread describing methodĪuthorized user / Corporate / Auto loans / Personal loanĬard CLs total $151,500, not counting the AU card. At first accidentally, later deliberately, I used what I call the 'thick-start' build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years.

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