05-30-2009 11:58 AM
I've been holding off pulling my FICO's. I PIF'd 10-18 days before due. (BofA, and Chase.) Anyone know approximately how long from payment it takes for these to report? I left a small balance on the CU just to see what happens.
When I pulled 5/19, I was disappointed in my scores but I'm now wondering if the problem may lay in the mix of credit I have? I had a mid-range of 758 (TU & EQ) no EX pulled. I fully expected it to be over 800.
05-30-2009 12:51 PM
05-30-2009 01:54 PM
tonsers, Thanks for the quick response. I will assume that it will be the closing dates.
B of A; 5/08/09, (due 5/28)
Chase; 5/03/09 (due 5/23)
CU; 5/06/09 (due 5/31)
Which means I'll just have to grit my teeth and wait until 6/9 to pull again. lol What about mortgage payments? (I have 3, all due on the 1st with the statement date listed always as the date the received them.)
05-30-2009 02:12 PM
02-03-2011 02:38 PM - edited 02-03-2011 02:38 PM
Very helpful topic.
In my scenario, I have 4 CC's, one older HSBC, one Barclay's and two Citi. I paid the balance ( $899) off on the Barclay's and both balances on Citi ($ 1710 and $ 6707) leaving all at zero.
One automatic bill for $ 45.00 was deducted after I PIF the cards, so it will show a balance of $ 45.00. Should I leave it as-is? Limits on the Citi's are $ 3750 and $ 7800.
Latest reading are TU 694 and the other 698.
I wonder what I can expect after all new balances post?