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Score Update

Super Contributor

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

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

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

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.

Established Contributor

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

Re: Score Update

Established Contributor

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

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

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

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.