09-30-2012 07:32 AM
Any one got dcu scores this month?. This friday being the last week of month I haven't received it yet.
Nope...hopefully next week
09-30-2012 12:48 PM
No, they seem delayed this week for whatever reason. Nobody has gotten theirs yet seemingly from varoius posts across different forums.
10-01-2012 06:22 PM - edited 10-01-2012 06:23 PM
Mine hit today. Matched my SW increase up 22pts from last month to 806.
I finally managed to coordinate paying almost all my charges off prior to statement posting.
Now it's just a matter of seeing what my new DCU trade line does when it finally shows up.
So far, the HP didn't affect my score. (went from one to two inq in past 12 mo)
10-01-2012 11:56 PM - edited 10-01-2012 11:59 PM
Well I took my first real drop this month since starting this positive credit journey (I discount the utilization from wonky reporting last month as that's temporary), presumably from the inquiry which I know landed on EQ for my auto-loan refinance and I still have the WFDS auto loan reporting as open with a balance on it for some reason and doubling my current installment debt. Not certain why that didn't update to $0 already but long-term should be fine... also DCU's reporting 100% LTV on the new auto tradeline still might be affecting things, but sitting at a 643 down from a 646 two months ago with similar utilization it's hard to say definitively what caused the drop and insignificant anyway. As long as I keep it above 640 I hit my goal score for the year heh.
My AAoA is still way under 2 years so that didn't change with the new auto tradeline, nor the Zync whenever it first reports.
Oh and a DCU funsy for the month: they complained that I was paying too much through one of their interfaces in their online payment system and pushed my payment date too far ahead into the future . Too bad I was sort of hoping it'd be like WF and being able to push it out 2-3 years ahead and just sit idle on the tradeline racking up FICO seasoning goodies rather than just hammering it to make room for a DTI calc next year if needed.