DCU Scores now up

[Cali_Credit]

I almost fell out my chair this morning when I seen my score go from 715 last month to 752! 

[ptilda]

Nice! You must have been good this year!

[Cali_Credit]

Yes only 1 credit card! 1 year ago my DCU score was 611! Came a long way in 1 year!

[Grover627]

Congrats on the huge score bump!

I am up 6 points since last month to 665! Only 10 more points until I will refinance my auto loan with them to 1.99%- right now I am at 5.49%.

Question: I have had my account with them for 7 months now, and my credit card has been stuck at a CL of $500. My other cards have all grown, and this is now my lowest limit. DCU also houses my checking and savings accounts. My overall utilization is about 40%. Should I ask them for a CLI, knowing that it will probably be a hard inquiry, or should I wait for some auto-love from them?

Looking for opinions...

[Cali_Credit]

@Grover627 I'd wait till your score hits 675 so you can use the same hard pull as your auto loan. They will also lower your rate with an EQ Credit score of 675 to 11.5% APR. So it will be a win win and I'm sure they will up your limit as when i first applied I was at a score of 611 and got a 1500$ Limit. When my score hit 680 I Refi my car from 9% to 1.99% and got a CLI to 5000. I'd also try an dyou you utilzation down and it will help raise your scores alot.

DCU Rates vs Scores below.

EQ 675 - 11.5% APR

EQ 700 - 9.5% APR

EQ 730 - 8.5% APR - BEST RATE!

[Simply827]

I'm up 3 to 675.

Interestingly, my UTL is higher (and now listed as one of the 2 reasons affecting my score). I wonder what part of my score gave me a bump.

[Grover627]

Thanks for the reply! Yeah, lowering the utilization to get the scores up would be the reason I am considering asking DCU for a CLI now instead of waiting til I hit 675. I am also paying down my cards, but that is a slow and steady process. Getting a CLI would be a quick way to lower my utilization, and thus bump my score. But the extra hard inquiry that goes with it would be a negative.

[olderwiser3]

That's fanTAStic!  Congrats!

[odd_dog]

IEcredit that is awesome!!!  Can anyone tell me where these scores are?? I have had a DCU savings account and CC for over a year and still have no clue where the scores are?? Do I have to tell them I want them?? thanks!

[olderwiser3]

Once you log in online, you should be able to click on the house/account manager icon at the top.  Then click on inbox in the sidebar.  It's a message they send each month titled, "Your monthly FICO score!"