05-05-2007 11:26 AM
05-06-2007 05:32 AM
05-06-2007 07:27 AM - edited 05-06-2007 07:27 AM
LadyFICO wrote:Something I noticed I have two hsbc (orchard) cc and they both just reported to eq I guess overnight no statement has cut yet so I guess we should always be aware of our usage on this one. Also, this update has not hit the other two bureaus yet nor have I received an alert from scorewatch to let me know of any score changes which I believe should occur due to now four cards I have paid down from max should be showing . I'm almost inclined to think that maybe eq batches the changes for x number of days and makes a score determination for the month. Whereas the other two adjust your scores as soon as a change occurs. Making EQ the hardest for me to get a huge point boost like the other bureaus. Just some more thoughts.Usually HSBC and Orchard s/p will report end of month regardless of the statement date. Check in to when the date is report 'as of' and that will give you a good idea of when to make sure your balances are lowest. As the PP said, it is almost impossible to goodwill ANYTHING out of these two cards so remain perfect.
05-06-2007 02:36 PM - edited 05-06-2007 02:37 PM
American Express Blue Cash Everyday $25000
Barclays Sallie Mae World MasterCard $25000
Capital One Venture World MasterCard $12500
Chase Freedom Visa Signature $25000
Discover IT $8000
US Bank Cash+ Visa Signature $25000
Synchrony Bank Old Navy Visa $25000
05-06-2007 05:17 PM
Drew wrote:Congratulations.How are you getting your FICO scores?
Message Edited by Drew on 05-06-2007 04:37 PM
05-07-2007 12:42 AM
05-07-2007 09:19 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.