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Established Contributor
happy0510
Posts: 808
Registered: ‎03-07-2008
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Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

They have been reporting on the 31st of every month.  Fico Simulator says minimum 50 points.

 

My question is this.  Can I check on Sept. 1st already? Or is that too soon?

 

I am DYING to find out what my score will be. 

 

Happy:smileyhappy:


Starting Score: 615
Current Score: 709
Goal Score: 750


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Regular Contributor
ficonewbie01
Posts: 146
Registered: ‎04-05-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

They usually post after their statement comes out around the 10th-13th? I usually see mine updated around that time.

4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Established Contributor
happy0510
Posts: 808
Registered: ‎03-07-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

So you have a monitoring service? And even though they use the balance on the last day of the month it is still reported a week or so later right?

Starting Score: 615
Current Score: 709
Goal Score: 750


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Regular Contributor
ficonewbie01
Posts: 146
Registered: ‎04-05-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

I use CCT to check my credit report daily. Yes..the balance showing on the last day is reported a week later after the statement is sent.

4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Established Contributor
happy0510
Posts: 808
Registered: ‎03-07-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

Thanks Newbie!! What's CCT? Do they have a 30 day free trial?

Starting Score: 615
Current Score: 709
Goal Score: 750


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Regular Contributor
ficonewbie01
Posts: 146
Registered: ‎04-05-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

CCT = CreditCheckTotal.com. The scores they provide are FAKO but good monitoring tool.

 

Yes, they have a 30 day free trial. However, during the trial period you cannot get free updated reports daily. You will have to wait after the trial period expires. I believe the membership is like $10.00 a month but you can call the customer service and they will drop the fee to like $8.95 a month.

4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
Moderator Emeritus
beamMEup
Posts: 4,470
Registered: ‎12-31-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

I like CCT, too.

 

They have a 7 day trial period - during which you cannot pull additional reports.

They are $19.95 a month - if you call in they will reduce it to $9.95 a month for six months.

Great advantage is you can pull all 3. 

Ignore all the FAKO scores and advice - you will hurt yourself - think of them as the Sirens and stay far far away.

You can also pull a full and detailed report including soft inquiries by Disputing TU or EXP on the CCT site - another plus.

 

 

Just puttin' syrup on something, don't make it pancakes.
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Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game


beamMEup wrote:

...Ignore all the FAKO scores and advice - you will hurt yourself - think of them as the Sirens and stay far far away.

(emphasis added)

Post of the day! :smileyvery-happy:

I don't know how many posts I've read where someone says that their score report says that they need to do some wacko thing. It's always from a FAKO report.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
happy0510
Posts: 808
Registered: ‎03-07-2008
0

Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

Haha...I think i'll wait in that case.  I can always buy a FICO w/discount:smileywink:

Starting Score: 615
Current Score: 709
Goal Score: 750


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Established Contributor
happy0510
Posts: 808
Registered: ‎03-07-2008
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Re: Ok...paid Orchard to 7% util...Orchard posted...now it's a waiting game

Just signed up with Credit Keeper 30 day trial.....not updated yet! I'll try to wait another week...

Starting Score: 615
Current Score: 709
Goal Score: 750


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