06-08-2009 05:31 AM
06-08-2009 05:43 AM - edited 06-08-2009 05:44 AM
It's not necessarily the CB's. It's mainly your creditors.
For instance, I have one TL that updates around the 5th each month. On the 5th, the new bal showed on my EX, but not EQ & TU. By the 7th, it was on both of the others too.
So, if you get a daily monitoring service like CCT, you can get a new report every day, take note of when certain TL's update your payment (cuz you're not charging on those cards....right? ), then make a note somewhere...roughly "when" it shows up & who notes it first.
06-09-2009 04:26 AM
I do have the monitoring service offered by MyFico and it says that it is being monitored but I am not getting any updates or notices of changes to the score. Of ocurse I can "buy" the new score for $15 but why would I do that unless I had reason to believe it had changed significantly over the last month? I thought the $89 per year subscription fee was supposed to notify me of any changes to my score. What am I doing wrong here?
BTW, what is CCT and is it better than what I have now with MyFico? Is the score a legit one?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO