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DCU New Accounts and Fico Score

Established Contributor

Re: DCU New Accounts and Fico Score

DCU doesn't report your statement balance, they always report whatever your balance is that's on 1st of the month.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 11 of 35
Established Contributor

Re: DCU New Accounts and Fico Score

I just loged into my DCU account and got a message telling me about the free FICO, however I went to click in a red arrow in the end and the message disappeared... weird...

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 12 of 35
Established Contributor

Re: DCU New Accounts and Fico Score

LOL I just came back to the page and I just got another message teaching me how to see my FICO Smiley Happy

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 13 of 35
Moderator Emerita

Re: DCU New Accounts and Fico Score

@eviLution

You are absolutely correct. I just checked my CR's and they reported the balance of at least the 30th of the month.
Message 14 of 35
Valued Contributor

Re: DCU New Accounts and Fico Score


09Lexie wrote:
@eviLution

You are absolutely correct. I just checked my CR's and they reported the balance of at least the 30th of the month.

Correct, it is the last day of the month (Feb 28th, Mar 31, Apr 30) depending on the month and not the 1st.....could make a big difference if you're watching your util.


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
Message 15 of 35
Valued Contributor

Re: DCU New Accounts and Fico Score


Rhaeny wrote:

09Lexie wrote:
@eviLution

You are absolutely correct. I just checked my CR's and they reported the balance of at least the 30th of the month.

Correct, it is the last day of the month (Feb 28th, Mar 31, Apr 30) depending on the month and not the 1st.....could make a big difference if you're watching your util.


Thanks for the tip it is very good information for new cc members...


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 16 of 35
Valued Contributor

Re: DCU New Accounts and Fico Score


zerobacan wrote:

LOL I just came back to the page and I just got another message teaching me how to see my FICO Smiley Happy


Went online today at dcu there was a message in the account manager box, checked message fico score already showing at 682 as of May 3rd which is exactly true, although have score watch and recieved an alert today score up to 689 now with 2 new accounts added dcu and toyota visa thought I would definitely get a score dropSmiley Happy   So anyone waiting on fico score check the account manager box for messages......


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 17 of 35
Valued Contributor

Re: DCU New Accounts and Fico Score


09Lexie wrote:
When you log into PC Branch it will be a message in your inbox. Your CS should be avail at the end of this month.

What's PC Branch? I have seen it a lot. Does it mean log into your DCU account on your computer?

Message 18 of 35
Moderator Emerita

Re: DCU New Accounts and Fico Score

Message 19 of 35
Valued Contributor

Re: DCU New Accounts and Fico Score


09Lexie wrote:
PC Branch is what DCU calls their online website.

Thank you! BTW, how do you link an external checking account? Smiley Surprised

 

Edited: typo

Message 20 of 35