credit score

[tzifanya54]

I think under 1 year..  I'll have to check, but I even thought it was less than 6 months.

Weird... They never bothered me about mine.

[Luvtotravel]

while reading up now on increasing credit score i came across dans post about paying off bill before statement prints. how do i request  that?  over the phone? should i ask for date that statement closes or statement prints or is that the same thing?

[CS91]

while reading up now on increasing credit score i came across dans post about paying off bill before statement prints. how do i request  that?  over the phone? should i ask for date that statement closes or statement prints or is that the same thing?

When you login online, you can see when your next statement will close. Just manually submit a payment before that date.

[David Smith]

This month was my first $3 on one card month. In the past i let balances post on multiple cards. Hopefully to many more.

[yochiek93]

This month was my first $3 on one card month. In the past i let balances post on multiple cards. Hopefully to many more.

Best wishes

[David Smith]

Best wishes

Thank you.

[Mendelssohn]

This month was my first $3 on one card month. In the past i let balances post on multiple cards. Hopefully to many more.

What were your FICOs before?

[David Smith]

What were your FICOs before?

I don't pay for reports, so i only know ex (amex) and tu (discover), but neither has updated yet. Mid 750's.

[Mendelssohn]

I don't pay for reports, so i only know ex (amex) and tu (discover), but neither has updated yet. Mid 750's.

DCU will give you a free EQ 04 which is the generation of scores used for mortgages.  They are much more sensitive to the number of cards reporting a balance. The max score is only 818 FYI.

Don't expect a 90 point jump, but your scores should improve. How many cards were reporting balances last month?

[David Smith]

DCU will give you a free EQ 04 which is the generation of scores used for mortgages.  They are much more sensitive to the number of cards reporting a balance. The max score is only 818 FYI.

Don't expect a 90 point jump, but your scores should improve. How many cards were reporting balances last month?

Last month was only 4, actually. My AAoA is atrocious. (I have some time till i actually go mortgage shopping, i just like thinking long term.)

[Mendelssohn]

Last month was only 4, actually. My AAoA is atrocious. (I have some time till i actually go mortgage shopping, i just like thinking long term.)

It's worth joining DCU for the free FICO. At least you would know 1 mortgage score.

[David Smith]

It's worth joining DCU for the free FICO. At least you would know 1 mortgage score.

By dcu, you mean digital credit union?

[Mendelssohn]

By dcu, you mean digital credit union?

Yes. They give you the free score the last Friday of the month.

[David Smith]

Yes. They give you the free score the last Friday of the month.

I hate to ask this, but is joining a hard pull?

[Mendelssohn]

I hate to ask this, but is joining a hard pull?

Yep, EQ.

[David Smith]

Yep, EQ.

(I know, i shouldn't sweat the pull, but still....)

[D93]

(I know, i shouldn't sweat the pull, but still....)

Even if you wanna sweat the pull, you care about EQ?!

[pixi]

I had DCU  I wanted to save myself money on a secure card so I applied for a DCU  card which was free,  I regretted it very much,  they have very bad costumer service,  the pulled my credit 3 times,  each additional user they pulled 3 times as well,  it's very difficult to manage the card.  I hated it.  I'd recommend not to touch DCU .

[Luvtotravel]

When you login online, you can see when your next statement will close. Just manually submit a payment before that date.

what if i want all my statements to close on the same date so that i should be able to keep track of it all?

[David Smith]

what if i want all my statements to close on the same date so that i should be able to keep track of it all?

+1. I think I'm gonna call the companies and ask for that.