Yahoo! Barclay FICO Update

[SquidBilly]

Opened a Barclay Ring CC last month and they had my TU FICO Score @ 758. Been reading about how bad their FICO Score monitoring is. It's been less than a month and I just got an e-mail from them saying myTU FICO Score had changed. Logged in and my Score is now 775! My best score to date. :-)

[CreditMagic7]

Congrats! on the FICO score lift!

Definitely some welcome upward momentum for you. I have heard only good things about Barclays Ring card.

[sorachepa]

SquidBilly, did you respond to a pre-approval for Barclay Ring or did you apply directly? what CL did you get for a TU FICO of 758?

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@SquidBilly wrote:
@Opened a Barclay Ring CC last month and they had my TU FICO Score @ 758. Been reading about how bad their FICO Score monitoring is. It's been less than a month and I just got an e-mail from them saying myTU FICO Score had changed. Logged in and my Score is now 775! My best score to date. :-)

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[SquidBilly]

Okay, here goes.... I had received an offer but did not apply. Later, after offer expired, I applied on their regular website. Got the 7 to 10 day message and thought.. oh well. Several days later I got an e-mail saying I was approved. CL of $5000. At the time I had 6 cards with an avg age around 2 years. Income of 64K and total credit line of 38K between the 6 cards at less than 10% utilization. Also a car loan of 30k. I think my total available credit to Income is reason initial CL was only 5K. Not sure what they look at but thats my story. Hope it helps!

[SquidBilly]

Oh.... even though my utilization was low, I had a balance on 4 of the 6 cards at the time I applied. Last week I paid off 2 of the cards before the billing cycle closed which lowered my utilization to less than 5%. Must be the reason for my score increase. Who knows? Just a guess at this point

[gdale6]

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@SquidBilly wrote:
@Opened a Barclay Ring CC last month and they had my TU FICO Score @ 758. Been reading about how bad their FICO Score monitoring is. It's been less than a month and I just got an e-mail from them saying myTU FICO Score had changed. Logged in and my Score is now 775! My best score to date. :-)

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Sweet, congrats to all your success

[Anomalous]

Awesome! Congratulations! Can't wait until I can see those scores again 

[Aarvard]

I got approved for Arrival + last week and today I just received an alert from them this morning saying that there's a change in my credit score. I logged in and, BAM, my score is still the same 735 although the updated date has been changed from 12/17 to 12/22. I wonder if there is any glitch in their system.

[sorachepa]

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@SquidBilly wrote:

Oh.... even though my utilization was low, I had a balance on 4 of the 6 cards at the time I applied. Last week I paid off 2 of the cards before the billing cycle closed which lowered my utilization to less than 5%. Must be the reason for my score increase. Who knows? Just a guess at this point

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thank you for the info. really appreciate it.