Barclays TU FICO

[lobsterfordinner]

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@dumaine wrote:

I guess I suspected that since a 15 point drop was significant enough for them to update on an off month, then a zero balance, only 1 card reporting (total util across 6 cards from 13% to 3%) and an inquiry falling off would be enough to get another update

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That leads to another question: do they actually monitor their cardmember's credit instead of softpulling once a while?

[Involver]

I've had 3 score updates since I opened the card in March.  I know for certain there have been a LOT of significant changes since then.  At least it's free I guess.

[dumaine]

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@lobsterfordinner wrote:

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@dumaine wrote:

I guess I suspected that since a 15 point drop was significant enough for them to update on an off month, then a zero balance, only 1 card reporting (total util across 6 cards from 13% to 3%) and an inquiry falling off would be enough to get another update

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That leads to another question: do they actually monitor their cardmember's credit instead of softpulling once a while?

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Since I opened my card In December, I have had softs on TU and EX on alernating months (TU one month, EX the next) and they have already softed EX this month.

EDIT::::: Sorry lobster,  I misread your comment so my response was not needed