07-26-2013 06:14 AM
I have been a member for a couple fo months and no FICO. I inquired via chat and received the following message. I was informed the service was something they had to register me for. I authorized the registration and I should start receiving my free monthly FICO. I currently have DCU, ScoreWatch (paid a year in advance) and Experian. A bit much eh?
07-26-2013 07:37 AM
When I initially signed up for it at the beg. of June the message said it comes the final friday of every month. I got it the final Friday in June. So hoping it stays true to that and updates today
07-26-2013 07:51 AM - edited 07-26-2013 07:51 AM
Yes it is the last Friday of every month. It should be out in the next couple of hours hopefully.
The following are the only times they have missed, so we never know
10/01/2012 -> Monday (Last Friday was 09/28/2012)
06/01/2011 -> Wednesday (Last Friday was 05/27/2011)
03/03/2011 -> Thursday (Outlier/No Explanation)
02/28/2011 -> Monday (Last Friday was 02/25/2011)
08/30/2010 -> Monday (Last Friday was 08/27/2010)
07-26-2013 08:45 AM
Yippee it's there!!! Not yippee about my score but yippee that it's my first free score!
07-26-2013 09:10 AM
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 .
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.
07-26-2013 09:49 AM
I just checked and got my score for July. With the inq from my auto loan with DCU and some higher balances I am down to 709. Still in the 700 club
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.