Credit Cards Center Credit cards from our partners
Reply
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Score Update


Deltadog03 wrote:

Thanks Myjourney.....I am not sure if you have SW, but when you do get a score watch alert/email/text.....Does it give you the reasons for it? and show what is helping/hurting your score?  Kind of like when you pull your full report on here.


Can't help with that one don't have SWSmiley Embarassed But im sure someone will chime in 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Score Update

Thanks again....I am really hoping for a 15-25 jump in FICO when they hit.....The biggest bump, I think/hope will come when Sallie Mae removes 21 Lates from there 7 TL this month.

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Score Update

In everyone's experiance, how long did it take for something to update on your EQ and TU after updates on your report. (Like credit card statement). I know I am impatient, lol but still no SW alert yet. Smiley Happy
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Score Update

    I believe it really varies Delta, I know that usually for my Capital One card, it hits TU like 2 or 3 days after the statement date. I believe it depends upon when the companies decide to report to the CRAs. When they report, it appears on your reports in 24 hours or less I think.

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Score Update

Good Call bud!  Cap1 sent over my stuff to the CB on the 24th, *day after statement cut* and it hit EX yesterday (25th), it looks like TU and EQ takes a day or 2 after that.  I guess that makes sense, because for me, when things were being updated/removed whatever....EX was the quickest, then EQ and TU were like 2-3 days after.  I am hoping I get a SW alert here over the next day or so....  

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Score Update

Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Score Update

No kidding!  Thankfully I have an OUTSTANDING mentor like you, to help me keep that from happening!  I should probably share some FICO points with ya for all the help you have given me so far.  Smiley Happy

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Score Update

Once you get over 700 you can share.  Until then you can keep them lol.  We want your score to go up.

Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Score Update

Thank You!  I will gladly share.  Hey maybe I will get close next week when Sallie Mae takes off all 21 of those lates.  Smiley Very Happy

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Score Update

     Nice. Good going. Good luck to you. Keep doing what you are doing and your scores will be to 700 soon. Just be patient and stay on track. It is a long term strategy with the most difficult ingredient being staying consistant over time so just stick with it. 

    You know exactly what to do now to have great credit... Just have to wait now and hit your points and do the right things at the right times. It just takes a bit of time. It seems like a long time but in the grand scheme of things it is not and well worth it.

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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. 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.