Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011

Re: DCU FICO is up!

Up 16 points to 708 so barely back in the 700 c.lub after the app spree.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Posts: 97
Registered: ‎12-04-2012

Re: DCU FICO is up!

Up 4 points from 652 to 656 :smileywink:

EX 690 ( 6/14) | EQ 673 (DCU 6/14) | TU 705 (Walmart 7/14)

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700

Valued Contributor
Posts: 1,872
Registered: ‎11-17-2012

Re: DCU FICO is up!

At 726, +1 from last month


Been stuck in the 725(min)-731(max) range ever since I signed up in January XD even with an AAoA of 2 years finally on my files, this score simply does not want to jump! XD


The 731 was a result of 2 out of 6 cards reporting a 1% balance...currently, two accounts are reporting $0. Waiting for everything to report and/or statement cut!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 759 EQ 719 TU 740 Credit Karma (TU) 790 Transrisk 820/990 Credit Sesame (EX) 766 (EX) 774 VantageScore 3.0 726 Quizzle (EQ) 721
New Contributor
Posts: 119
Registered: ‎03-12-2013

Re: DCU FICO is up!

+32 to 728 woohoo

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

Re: DCU FICO is up!

PrettyPeacock wrote:

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... 

I have a old $30,000CL Chase card that was never removed from my CR and therefore I can't use it as it was from an old company I worked for but it counts as part of my Credit limit and so I have a hard time hitting my 1% utilization rate and as it is rounded up you actually do need 1/5 of a percent to get it.  I know because I keep bouncing between less than 1/5% and right above 1/5% and once it hits 1/5% then it rounds up.  This is how it works on my reports.

Haha, that's unfortunate about your credit line, but good info! Good to know.

Frequent Contributor
Posts: 417
Registered: ‎03-23-2013

Re: DCU FICO is up!

went from 654 last month to 724 this month!!!!!!!!! Never been in 700's before for EQ Fico. So happy about this! Thanks to the last collection gone and many new positive tradelines and the older ones showing perfect history. I am so proud of myself! My AAoA and inq's  are in hell though. But still very proud :smileyhappy:

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards

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