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- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000
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