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I've read that Barclaycard is doing a FICO score but I've also seen in card reviews that it's 24/7 access to your FICO score, does that mean it updates daily rather than the monthly FICO score (such as Discover)? I don't have a Barclaycard but have been considering them for awhile. If it's a constantly updated score then I'd probably be more apt to apply. Thanks!
Nope. It updates about every ten weeks unless there is a major change to your profile.
@SayHey wrote:Nope. It updates about every ten weeks unless there is a major change to your profile.
This has been my experience with it -- but you can view that only-updating-once-every-10-weeks-unless-there's-a-"significant"-change score 24/7.
Yeah, 24/7 access just means that you can log in anytime and see the latest score they provided.
I just got the arrival+ card. First Fico08 transunion score I've received. Apparently my TU is 833. Wooo!
My score on their site increased about 2 weeks after I had the card but its still relatively new to me so maybe thats why?
@Anonymous wrote:I've read that Barclaycard is doing a FICO score but I've also seen in card reviews that it's 24/7 access to your FICO score, does that mean it updates daily rather than the monthly FICO score (such as Discover)? I don't have a Barclaycard but have been considering them for awhile. If it's a constantly updated score then I'd probably be more apt to apply. Thanks!
In my experience, Barclay's updates your score once a month (after your statement closes) if there is a "significant" change on your credit profile. How the word "significant" is defined, noone really knows - at least I don't!
If you are looking for constant updates, from what I hear, Walmart (yes walmart) and Discover have similar FICO product for TU08 and they udpate regularly.
24/7 access simply means, as others have pointed out, that you can log on anytime to see it. But that doesn't mean you can request the updated score 24/7. You can simply see it 24/7.
My Barclaycard Rewards updates every 2 months so far... I've had the card for 6 months..
@IamB2 wrote:If you are looking for constant updates, from what I hear, Walmart (yes walmart) and Discover have similar FICO product for TU08 and they udpate regularly.
Discover doesn't constantly update either. It's about once a month. Seems to be a few days after close.
My TU score (via the Barclay Arrival+) updates like clockwork every 2 months/statement cuts. I do not know how they classify "significant changes to your credit report" because mine has been stable or unchanged for some time yet I get updates of 3 point gain here....2 point gain there. Definitely, nothing significant score-wise.
Regardless, I am very glad to get this score free and I wish every card had this perk.