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DCU FICO is up!

Regular Contributor

Re: DCU FICO is up!

Have you got your score for July yet?

Regular Contributor

Re: DCU FICO is up!

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? 

 

Capital One Venture- $30,000, CSP- $29,500, PenFed Promise Visa- $26,000, NASA Federal Credit Union Platinum Visa- $25,000, NASA Federal Credit Union PLOC- $25,000, Amex BCE- 23,500, Merrill +- $23,000, Western Federal Credit Union PLOC- $20,000, OCCU Platinum Visa- $20,000, Randolph Brooks Federal Credit UnionPlatinum Visa- $20,000, Security Service Federal Credit Union PLOC- $20,000, Security Service Federal Credit Union MasterCard- $15,000, Allied Credit Union Visa- $15,0000, BBVA NBA Amex $15,000, Houston Police Federal Credit Union Platinum Visa- $15,000, Amex PRG NPSL, Discover IT- $14,300, DCU Platinum Visa- $10,000, Smart Financial CU Platinum MC- $10,000, Citi Hilton Honors Visa- $7500, USAA Platinum Visa- $7000, GEMB/Dillard's-$7500.00, GEMB/JCP-$10,000
Super Contributor

Re: DCU FICO is up!

Nothing on my end. Last time I got my FICO on the 28th, so I guess maybe Monday for me.




New Contributor

Re: DCU FICO is up!

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 Smiley Happy

NFCU Flagship - 24k; CapOne Venture - 12k; Chase Slate - 9k; Chase Sapphire - 7.5k; NFCU NavChek - 5k; Amex BCE - 6.5k; Discover IT - 6k; BarClays - 9k;
Regular Contributor

Re: DCU FICO is up!

That's correct and something I was not made aware of when I joined. I just regitered via chat and will have to wait until next month for my first score.

Regular Contributor

Re: DCU FICO is up!

Yes it is the last Friday of every month. It should be out in the next couple of hours hopefully. Smiley Happy

 

The following are the only times they have missed, so we never know Smiley Wink

 

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)

New Contributor

Re: DCU FICO is up!

July Updates are out!

NFCU Flagship - 24k; CapOne Venture - 12k; Chase Slate - 9k; Chase Sapphire - 7.5k; NFCU NavChek - 5k; Amex BCE - 6.5k; Discover IT - 6k; BarClays - 9k;
Established Contributor

Re: DCU FICO is up!

Yippee it's there!!!   Not yippee about my score but yippee that it's my first free score!  Smiley Wink

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Contributor

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 Smiley Happy.

 


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.


4/13 CS from TU 599 11/3/13 Current FICO TU: 672, EQ 680
Negs: BK charged-off Jan '09, KS tax lien PAID, but still trying to figure out how to get it removed and 10 IIB accounts
Happiness: Merrick $750  |  Cap One $300  |  USBank $300  |  Victoria's Secret $500  |  The Buckle $250  |  JCrew $250  |  Express $250  |  Cap One $2000(AU)  |  Fingerhut $850 | Kohls (AU) $3000
Goals are 760 to buy a home & to stay in the Garden til 2/14
Established Contributor

Re: DCU FICO is up!

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 Smiley Happy

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