When you cry “Fire”, you expect there is a fire. When you cry “Wolf”, you expect a predator is coming. The VantageScore created a major crisis this week that reached all the way to the White House. Unfortunately, there was no crisis, no fire, no wolf. It was all about nothing. This is a big one. Congratulations Vantage Score, you got millions of consumers excited and upset all about nothing. Nothing!

David increased his FICO score 85 points in just 23 days while refinancing his mortgage. This increase saved him $2,909 on his refinance. How did he do it?

Janet had to increase her mid-FICO® score three points to qualify for a mortgage. Her Equifax FICO score was 646, her Experian FICO score was 637, and her TransUnion FICO score was 631. She opened a new account that lowered her TransUnion FICO Score to 627, while also raising her Experian FICO Score to 643. (Her Equifax FICO Score stayed unchanged), She now qualified for a mortgage with her 643 mid-FICO Score. Why are your 3 FICO Scores different? This is a very good question.

2020 has seen strong results for new clients of My Credit Plan (MCP). Average score improvement for those enrolled during the first quarter of 2020 (from January 1 to March 31) is 29 FICO® points higher. This continues to lead Experian’s Boost® (12 points average increase) and Creditxpert® (27 points point increase). 