Chase sapphire and my credit score?
Jul 12, 2014, 10:42 pm
#1
Original Poster
Join Date: Jun 2007
Posts: 1,406
Chase sapphire and my credit score?
I monitor it on Alliant CU - they have
Vantage Score 2.0 Range: 501-990
Vantage Score 3.0 Range: 300-850
Since the Sapphire card, mine gone down from 921 to 871 and 822 to 804 (Ver 3) respectively, and now in B grade.
It was A in March. I also did IHG Chase card. I close Marriott card as it was lost. I always paid them in full.
Is this expected? Any tips?
Vantage Score 2.0 Range: 501-990
Vantage Score 3.0 Range: 300-850
Since the Sapphire card, mine gone down from 921 to 871 and 822 to 804 (Ver 3) respectively, and now in B grade.
It was A in March. I also did IHG Chase card. I close Marriott card as it was lost. I always paid them in full.
Is this expected? Any tips?
Jul 13, 2014, 12:42 am
#2
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
Programs: UA 2P, MR LT Plat, IHG Plat, BW Dia, HH Au, Avis PC
Posts: 5,457
Track your real FICO score and stop applying when it gets lower than where you're comfortable.
These fake credit scores aren't used by lenders, so they don't really mean anything.
http://ficoforums.myfico.com/t5/Gene...de/td-p/662549
These fake credit scores aren't used by lenders, so they don't really mean anything.
http://ficoforums.myfico.com/t5/Gene...de/td-p/662549
Jul 13, 2014, 4:35 am
#3
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
Yep, those scores don't mean anything.
Real FICO scores can change rapidly over the course of a month, anywhere from 10-30 points depending on usage, credit checks, ect. These short-term fluctuations aren't anything to be concerned about.
Real FICO scores can change rapidly over the course of a month, anywhere from 10-30 points depending on usage, credit checks, ect. These short-term fluctuations aren't anything to be concerned about.