Author Topic: What's Your FICO Score? (Read 174630 times)

avromie7 · « **Reply #660 on:** January 07, 2015, 01:05:59 PM »

Quote from: benjie1305 on January 07, 2015, 12:58:44 PM

They do update daily from what I recall. Barclays is random

Mine updated today for the first time since 12/03/14

avromie7 · « **Reply #661 on:** January 07, 2015, 01:07:55 PM »

Quote from: noturbizniss on January 07, 2015, 01:05:26 PM

OT - I found a place that lets me do the amounts you mentioned in PM last night. Don't know why i didn't think of those kinds of places right away. Thanks!

what happens in PM stays in PM don't drop teasers $:-\$

eli.f · « **Reply #662 on:** January 07, 2015, 01:17:24 PM »

Quote from: noturbizniss on January 07, 2015, 01:05:26 PM

Mine just updated today for the first time in 2 months.

Who said there was a change before than? If there no change in your score, it's not supposed to update.

benjie1305 · « **Reply #663 on:** January 07, 2015, 01:19:07 PM »

Quote from: eli.f on January 07, 2015, 01:17:24 PM

Who said there was a change before than? If there no change in your score, it's not supposed to update.

I dont know exactly how it works with updates but if I applied 4 weeks ago and saw an update this week, is that WAD? Or should it have been updated right away?

noturbizniss · « **Reply #664 on:** January 07, 2015, 01:19:17 PM »

Quote from: eli.f on January 07, 2015, 01:17:24 PM

Who said there was a change before than? If there no change in your score, it's not supposed to update.

I added two Barclay cards over a month ago and had multiple balance changes

noturbizniss · « **Reply #665 on:** January 07, 2015, 01:19:52 PM »

Quote from: avromie7 on January 07, 2015, 01:07:55 PM

what happens in PM stays in PM don't drop teasers $:-\$

PM me if you want details

eli.f · « **Reply #666 on:** January 07, 2015, 01:21:18 PM »

Quote from: noturbizniss on January 07, 2015, 01:19:17 PM

I added two Barclay cards over a month ago and had multiple balance changes

So? To actually change your score it needs to be reported.

noturbizniss · « **Reply #667 on:** January 07, 2015, 01:24:04 PM »

Quote from: eli.f on January 07, 2015, 01:21:18 PM

So? To actually change your score it needs to be reported.

I saw it reported on experian 2 days after I got approved. Are you suggesting barclays reported to experian immediately but waited a month to report to TU?

Barryg · « **Reply #668 on:** January 07, 2015, 01:33:14 PM »

Quote from: eli.f on January 07, 2015, 01:21:18 PM

So? To actually change your score it needs to be reported.

I don't have Barclays, but I'm guessing that it works like Discover where they update your score once per month... AFAIK Citi ID monitor also updates around once a month. credit Karma does once a week if you log in once a week. I was asking if TU $1 trial will update every day as this month I'd want to follow daily to see how things work in general as I also

Quote from: noturbizniss on January 07, 2015, 01:19:17 PM

had multiple balance changes

recently...

eli.f · « **Reply #669 on:** January 07, 2015, 01:34:04 PM »

Quote from: noturbizniss on January 07, 2015, 01:24:04 PM

I saw it reported on experian 2 days after I got approved. Are you suggesting barclays reported to experian immediately but waited a month to report to TU?

1. Just because the card was reported, doesn't mean the balance was reported.
2. Even if the balance was reported, it didn't necessarily change your score.
3. Even though your balance changed every day, it won't update more that once a month.
4. Finally, TU is certainly much slower to update than EX. Much much slower. (I don't know if it's because everyone reports to them last, or it takes them the longest to update the info, but this is how it is)

Barryg · « **Reply #670 on:** January 07, 2015, 01:35:19 PM »

Quote from: noturbizniss on January 07, 2015, 01:05:26 PM

Mine just updated today for the first time in 2 months.

OT - I found a place that lets me do the amounts you mentioned in PM last night. Don't know why i didn't think of those kinds of places right away. Thanks!

ddf is better than ddms, pm better than ddf, DO better than pm... All just to think of things that we later wonder why we couldn't think of it...

Barryg · « **Reply #671 on:** January 07, 2015, 01:37:04 PM »

Quote from: eli.f on January 07, 2015, 01:34:04 PM

1. Just because the card was reported, doesn't mean the balance was reported.
2. Even if the balance was reported, it didn't necessarily change your score.
3. Even though your balance changed every day, it won't update more that once a month.
4. Finally, TU is certainly much slower to update than EX. Much much slower. (I don't know if it's because everyone reports to them last, or it takes them the longest to update the info, but this is how it is)

By Multiple changes, I meant with multiple accounts being reported, not balances of 1 card changing...

eli.f · « **Reply #672 on:** January 07, 2015, 01:37:53 PM »

Quote from: Barryg on January 07, 2015, 01:37:04 PM

By Multiple changes, I meant with multiple accounts being reported, not balances of 1 card changing...

I hear. Maybe they update every time there's a change, but not more that once a month.

Barryg · « **Reply #673 on:** January 07, 2015, 01:41:27 PM »

Quote from: eli.f on January 07, 2015, 01:37:53 PM

I hear. Maybe they update every time there's a change, but not more that once a month.

Easy problem to solve... Get 28 cards that report score and have each one close on a different day! Or really, after a while you kinda get the hang of how they calc score and have a pretty good idea where you stand...

noturbizniss · « **Reply #674 on:** January 07, 2015, 01:42:26 PM »

Quote from: Barryg on January 07, 2015, 01:37:04 PM

By Multiple changes, I meant with multiple accounts being reported, not balances of 1 card changing...

Same for me. It's the new accounts that I would expect to impact

eli.f · « **Reply #675 on:** January 07, 2015, 01:43:05 PM »

Quote from: Barryg on January 07, 2015, 01:41:27 PM

Easy problem to solve... Get 28 cards that report score and have each one close on a different day! Or really, after a while you kinda get the hang of how they calc score and have a pretty good idea where you stand...

I had 4 Barclay cards for a while. I don't think it updates separately.

avromie7 · « **Reply #676 on:** January 07, 2015, 01:43:25 PM »

Quote from: noturbizniss on January 07, 2015, 01:42:26 PM

Same for me. It's the new accounts that I would expect to impact

+1

mordyl19 · « **Reply #677 on:** January 13, 2015, 11:52:30 AM »

Is FICO Scorewatch only Experian? IS there another site to find all 3 scores? Anyone with good experience using something other than FICO Score watch?

TIA

benjie1305 · « **Reply #678 on:** January 13, 2015, 11:53:36 AM »

Quote from: mordyl19 on January 13, 2015, 11:52:30 AM

Is FICO Scorewatch only Experian? IS there another site to find all 3 scores? Anyone with good experience using something other than FICO Score watch?

TIA

Annual credit report website will let u get all 3 reports.

eli.f · « **Reply #679 on:** January 13, 2015, 12:01:38 PM »

Quote from: benjie1305 on January 13, 2015, 11:53:36 AM

Annual credit report website will let u get all 3 reports.

A report is not a score.