04-25-2013 03:13 PM
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 SW But im sure someone will chime in
04-25-2013 05:26 PM
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.
04-26-2013 07:50 AM
04-26-2013 11:53 AM
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.
04-26-2013 01:01 PM
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....
04-26-2013 01:14 PM
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.
04-26-2013 01:16 PM
04-26-2013 01:20 PM
Thank You! I will gladly share. Hey maybe I will get close next week when Sallie Mae takes off all 21 of those lates.
04-26-2013 07:20 PM
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.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.