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Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007

Re: What day of the month does your FICO most likely change

I've had MFSW since May 10. Here are my updates. A count and the day of the week.
 
1 - Sunday
4 - Monday
1 - Tuesday
1 - Thursday
2 - Friday
3 - Saturday
Volume of data seems far, far, far too low to draw any conclusions.
 
New Member
Tcifalia
Posts: 1
Registered: ‎07-07-2007

Re: What day of the month does your FICO most likely change

I have been monitering my credit for the past five years or so, through my fico.com, and I save all of the alerts that they email me, the most recent ones are as follows, so by looking at these numbers and dates, etc, the most utilized dates for alerts are on Sunday, Tuesday and Thursday. And a  large percentage of them are either very early in the month or very late in the month, ie; when the different credit cards update their info to the credit bureaus
 
This is the first time I have looked at these postings and after reading quite a few of them, I applaud the majority of the respondants for their focus and deteremination in raising their credit scores.
 
I moniter my husband and my score to make sure there is no identity theft as well as making sure that any and all information is correct. Our scores have fluctuated about 15 points in the past 5 years
at any given time. Due to credit card use and the balance that is reflected.
 
This is a great forum for everyone to learn from and it sounds like everyone is taking the right steps.
 
Keep up the great work:smileyhappy: 
 
 
Total Number of Alerts: 45
 
Sundays = 10
Monday = 5
Tuesday = 10
Wednesday = 3
Thursday = 10
Friday = 4
Saturday = 3
 
11/19/06 Sunday
11/25/06 Saturday
11/26/06 Sunday
11/30/06 Thursday
12/04/06 Monday
12/07/06 Thursday
12/17/06 Sunday
12/24/06 Sunday
12/31/07 Sunday
01/04/07 Thursday
01/08/07 Monday
01/13/07 Saturday
01/18/07 Thursday
01/23/07 Tuesday
01/26/07 Friday
02/01/07 Thursday
02/02/07 Friday
02/04/07 Sunday
02/13/07 Tuesdya
02/14/07 Wednesday
03/06/07 Tuesday
03/08/07 Thursday
03/09/07 Friday
03/24/07 Saturday
03/26/07 Monday
03/27/07 Tuesday
04/03/07 Tuesday
04/08/07 Sunday
04/09/07 Monday
04/25/07 Wednesday
04/26/07 Thursday
05/01/07 Tuesday
05/07/07 Monday
05/08/07 Tuesday
05/09/07 Wednesday
05/13/07 Sunday
05/15/07 Tuesday
05/17/07 Thursday
05/27/07 Sunday
06/08/07 Friday
06/19/07 Tuesday
06/21/07 Thursday
07/01/07 Sunday
07/03/07 Tuesday
07/05/07 Thursday
 
 
 
Established Member
Redbud
Posts: 32
Registered: ‎06-24-2007

Re: What day of the month does your FICO most likely change

Thank you for such a thorough review of your alerts.  Yes, it doe seem they come toward the end/beginning of the month mostly.  So it's now one week into July and I STILL don't have a single alert despite some significant movements on my part with my credit. 
 
I am intent on getting my scores into the high 700s and I need these alerts to see what actions are rendering what type of score movements.  After that, there's not a whole lot let to do but pay on time each and every month.  Ironically enough I have two accounts which show me with no lates and I KNOW I have been late.
 
When it says you are 30 days late does it count 30 days from the DUE DATE, or are you considering late 1 day past your due date? 
Established Contributor
so_confused
Posts: 630
Registered: ‎06-20-2007

Re: What day of the month does your FICO most likely change

I know this may sound like a silly question...But do you have the alerts turned ON?  I did this, I was waiting and waiting and finally I read something here about turning the alerts on...Not saying you over looked it. Just thought it may be a possibility.
9/18/08 TU=707 EQ=706 EX=702
Valued Member
Posts: 38
Registered: ‎06-14-2007

Re: What day of the month does your FICO most likely change

Thank you for such a thorough review of your alerts.  Yes, it doe seem they come toward the end/beginning of the month mostly.  So it's now one week into July and I STILL don't have a single alert despite some significant movements on my part with my credit. 
 
I am intent on getting my scores into the high 700s and I need these alerts to see what actions are rendering what type of score movements.  After that, there's not a whole lot let to do but pay on time each and every month.  Ironically enough I have two accounts which show me with no lates and I KNOW I have been late.
 
When it says you are 30 days late does it count 30 days from the DUE DATE, or are you considering late 1 day past your due date? 
 
Redbud The CRAs don't condsider a payment late until it is 30 days past due from due date, I.E your CC payment is due July 1 it is late according the the Bureaus August 1.
Frequent Contributor
jenkins
Posts: 278
Registered: ‎04-29-2007

Re: What day of the month does your FICO most likely change

7/06/2007 575 Score Watch™ alert: Your score has gone up.

6/27/2007 541 Score Watch™ alert: Your score is unchanged.

6/25/2007 541 Score Watch™ alert: Your score is unchanged.

6/12/2007 541 Score Watch™ alert: Your score is unchanged.

6/9/2007 541 Score Watch™ alert: Your score is unchanged.

5/11/2007 541 Score Watch™ alert: Your score has gone up.

4/18/2007 500 Score Watch™ alert: Your score is unchanged.

4/17/2007 500 Score Watch™ alert: Your score is unchanged.

4/2/2007 500 Score Watch™ alert: Possible lower rate on a new mortgage.

3/28/2007 499 Score Watch™ alert: Your score is unchanged.

3/24/2007 499 Score Watch™ alert: Your score is unchanged.

3/22/2007 499 Score Watch™ alert: Your score is unchanged.

3/20/2007 499 Score Watch™ alert: Your score has gone up.

3/14/2007 497 Score Watch™ alert: Your score has gone up.

3/5/2007 484 Score Power report: Your score has gone up.

2/15/2007 476 Score Power report: Your score is 476.


Starting Score: 643
Current Score: 657
Goal Score: 700


Take the FICO Fitness Challenge
Established Member
Redbud
Posts: 32
Registered: ‎06-24-2007

Re: What day of the month does your FICO most likely change

That's not a silly reminder at all!  I had to double check myself but yes, I do have it on.  If I don't get something on Monday, I'm going to talk to a supervisor.  It looks like all of you get regular notifications and I'm getting nothing!!
Established Member
Redbud
Posts: 32
Registered: ‎06-24-2007

Re: What day of the month does your FICO most likely change

7/06/2007 575 Score Watch™ alert: Your score has gone up.

6/27/2007 541 Score Watch™ alert: Your score is unchanged.

6/25/2007 541 Score Watch™ alert: Your score is unchanged.

6/12/2007 541 Score Watch™ alert: Your score is unchanged.

6/9/2007 541 Score Watch™ alert: Your score is unchanged.

5/11/2007 541 Score Watch™ alert: Your score has gone up.

4/18/2007 500 Score Watch™ alert: Your score is unchanged.

4/17/2007 500 Score Watch™ alert: Your score is unchanged.

4/2/2007 500 Score Watch™ alert: Possible lower rate on a new mortgage.

That's EXACTLY what I want to receive!  I'm getting nothing at all!
Frequent Contributor
jenkins
Posts: 278
Registered: ‎04-29-2007

Re: What day of the month does your FICO most likely change

man its seems like forever when i only go weeks without an alert lol and being that im rebuilding my credit and getting things removed i look for them everyday.  So i know the feeling i really do.

Starting Score: 643
Current Score: 657
Goal Score: 700


Take the FICO Fitness Challenge
Established Member
Redbud
Posts: 32
Registered: ‎06-24-2007

Re: What day of the month does your FICO most likely change

I talked to Capital1 today and they will be reporting  my zero balance on July 11th, so if I don't get a credit alert then, I definitely know something is up. 
 
Interestingly, they said that they report to the CA on the day after my cycle closes.  I need to call them back and see what they report on that day - only the balance, or if I made a payment by the due date.  If not, that would look like a late payment but yet someone on this board mentioned that "late" payments are those received 30 or more days after the due date.  That makes a lot of sense, but, it looks like Cap1 is reporting whether or not a payment was made by the due date...if not....it's not exactly 30 days late, so how do they count that?

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