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.
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.)
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?