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Regular Contributor
brindle26
Posts: 207
Registered: ‎08-15-2012
0

Re: DCU FICO is up!

Have you got your score for July yet?

Contributor
mark293
Posts: 84
Registered: ‎05-23-2013
0

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? 

 

PenFed Promise Visa- $26,000, NASA FCU Platinum Visa- $25,000, NASA FCU LOC- $25,000, OCCU "The Duck" Platinum Visa- $20,000, RBFCU Platinum Visa- $20,000, Security Service Fed CU LOC- $20,000, Security Service Fed CU MasterCard- $15,000, HPFCU Platinum Visa- $15,000, Alliant FCU Platinum Visa- $15000, JP Morgan Ritz Carlton Visa- $14,000, BoA Cash Rewards Visa- $10,000, Merrill +- $10,000, Amex PRG NPSL, CSP- $10,000, DCU Platinum Visa- $10,000, Smart Financial CU Platinum MC- $10,000, Amex BCE- $9000, Citi Hilton Honors Visa- $6000, USAA Platinum Visa- $7000, Chase United Explorer- $6500, Discover IT- $6000, GEMB/Dillard's-$7500.00, GEMB/JCP-$10,000


Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
0

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
Emdee_MD
Posts: 57
Registered: ‎04-24-2013
0

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 :smileyhappy:

My Wallet: Chase Sapphire: $7500 / Capital One Orbitz: $1500 / Capital One Quicksilver $1500 / Jared: $5100 / Chase Slate: $5000 / Care Credit: $4600 / OCCU Beaver: $2500 / Amazon: $600 / Walmart Disc: $2500 / Lowes: $400

Regular Contributor
brindle26
Posts: 207
Registered: ‎08-15-2012
0

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
MustangSaluki
Posts: 202
Registered: ‎07-07-2008
0

Re: DCU FICO is up!

[ Edited ]

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

 

The following are the only times they have missed, so we never know :smileywink:

 

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
Emdee_MD
Posts: 57
Registered: ‎04-24-2013
0

Re: DCU FICO is up!

July Updates are out!

My Wallet: Chase Sapphire: $7500 / Capital One Orbitz: $1500 / Capital One Quicksilver $1500 / Jared: $5100 / Chase Slate: $5000 / Care Credit: $4600 / OCCU Beaver: $2500 / Amazon: $600 / Walmart Disc: $2500 / Lowes: $400

Established Contributor
kroberts67
Posts: 817
Registered: ‎03-04-2013
0

Re: DCU FICO is up!

Yippee it's there!!!   Not yippee about my score but yippee that it's my first free score!  :smileywink:



FICO: EQ 727 | TU 724 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $4.5k, Cap1 $1k, Freedom $5k, Slate $3.2k, Barclays SM $5k.

My Credit Repair Journey
Contributor
PrettyPeacock
Posts: 84
Registered: ‎06-03-2013
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... 


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
zyzzus
Posts: 523
Registered: ‎10-22-2012
0

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 :smileyhappy:

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 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 


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