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Frequent Contributor
Posts: 271
Registered: ‎02-10-2013
0

Re: DCU FICO is up!


Revelate wrote:

Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month.  Still flatlined at 648, c'est la vie :smileyhappy:.

 


I read somewhere on this forum that util is rounded up, so in both those cases it's still 1%. Even if util is calculated so very precisely, the difference between those two are so minimal, I don't think you would really see a difference... 

Regular Contributor
Posts: 213
Registered: ‎08-15-2012
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Re: DCU FICO is up!

[ Edited ]

My first direct deposit will be Monday. Should I expect a score then or will it be at the end of July. Also where on the DCU site should I look for the score?

Regular Contributor
Posts: 134
Registered: ‎07-07-2011
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Re: DCU FICO is up!

I would suspect that you'll see it on the last business day of July! Look in your messages that's were you will find it!

12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Regular Contributor
Posts: 213
Registered: ‎08-15-2012
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Re: DCU FICO is up!

Thank you

Established Contributor
Posts: 747
Registered: ‎10-15-2012
0

Re: DCU FICO is up!

What product do you have to hold in order to get a FICO score?


Starting Score: 515
Current Score: EQ04 675 EX04 702 TU08 724
Goal Score: 700+

Amex BCP $12300 | PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | Citi DC $6100 | DCU $5000 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2400 | Cap 1 QS One $2000 | Cap 1 Platinum $1700 | Union Plus $1000 | Target $200
Regular Contributor
Posts: 213
Registered: ‎08-15-2012
0

Re: DCU FICO is up!

Automatic upgrade from basic benefits with any two qualifying services*

* Qualifying services include:

  1. Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
  2. Receive all your DCU monthly account and loan statements electronically.
  3. Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: DCU FICO is up!

I read some people still get free Fico with just a checking account. I think all you need to do is sign up for eStatements.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
Posts: 1,142
Registered: ‎05-17-2010
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Re: DCU FICO is up!

685

Valued Contributor
Posts: 1,958
Registered: ‎08-13-2007
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Re: DCU FICO is up!

787 for me. I had an INQ last month due to a re-fi on the house.

 

Maybe hit 800 next month!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Moderator Emeritus
Posts: 10,907
Registered: ‎12-30-2011
0

Re: DCU FICO is up!


Dubious wrote:

Revelate wrote:

Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month.  Still flatlined at 648, c'est la vie :smileyhappy:.

 


I read somewhere on this forum that util is rounded up, so in both those cases it's still 1%. Even if util is calculated so very precisely, the difference between those two are so minimal, I don't think you would really see a difference... 


Ah, I missed that completely!  It's supposed to be a comma. not a period :cattongue:

 

$2,968.00/3000.00 -> $16.82/3000.00, it should make a difference :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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