Reply
Established Contributor
Posts: 570
Registered: ‎05-02-2007
0

TC Credit w/scores?

I am checking my update this morning and want to know if it's "normal" that scores do not go up utilizing TC - I've made the normal payments, haven't been able to pay further util. yet, had no success in getting the one "double reporting" of an account removed EQ is my bugger along with EX...does anyone else have this issue of scores not budging?
 
I figure within the next month or so I should be able to have my util down to 50% - I know, I have a ways to go, just being very careful about everything - only have 2 cards and scores won't move past 558 except TU, they have me at 629...I closed (3) CC accounts because I didn't want to pay fees just to have the cards, would rather have (2) cards....working to get rid of CAP 1 because of their reporting (not reporting CL).
 
Appreciate any words of advice or just to know I'm on the right track.
 
Thanks to all on this board - it is fabulous!  And I am one of those FICO trying to get higher scores to buy a house!
Member
Posts: 6
Registered: ‎07-03-2007
0

Re: TC Credit w/scores?

You understand that TU scores are fake, not real FICOs.  TC will update when it wants, could be once a week, could be once every 2 months. 
Established Contributor
Posts: 570
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

Thanks - yes, I knew they were fake, just irritating to see them sitting there anyway not moving!
Contributor
Posts: 132
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

My TC score change usaly reflects change on Fico as well.
 
Check if there is some wromg info there.
My scores didn't go up until I realise 30 days late 2 years old reporting as current late.
Established Contributor
Posts: 570
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

Thank you - I'll check now - I've been on it for a month, which I didn't think a month had gone by already:smileysad:
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007
0

Re: TC Credit w/scores?

TU is horrible at updating information but thier FICO score is usually my highest score, now if only the **bleep** CCC would use that score instead of the Vantage score which is 55 points lower Id be happy.
Established Contributor
Posts: 570
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

TU is always highest for me too - don't get it - want to find CCs that use that report!  My scores just don't seem to budge on True Credit...but then again it's only July 3
Regular Contributor
Posts: 165
Registered: ‎03-13-2007
0

Re: TC Credit w/scores?



beach123 wrote:
TU is always highest for me too - don't get it - want to find CCs that use that report!  My scores just don't seem to budge on True Credit...but then again it's only July 3



LOL.. forgive me, but I have to ask.
 
Are you choosing to update your score or expecting it to update on its own simply by signing on?
 
Hehe.. sorry, but someone PM'd me not long ago with the same situation and that was the problem.
:smileyvery-happy:
Established Contributor
Posts: 570
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

I was choosing to update mine when I'd check...I noticed today that of all things EQ went up 5 points as did TU, which shocked me; but I hope these FAKO scores are "lower" than FICO:smileysad:
 
This was the first time I hit the first of the month on this program so maybe I don't need to check scores every day?
Contributor
Posts: 132
Registered: ‎05-02-2007
0

Re: TC Credit w/scores?

Ther is no rule wich score is lower or higher.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.