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DLA question

New Member

DLA question

Is it better for your score to use each of your credit cards at least once in each billing cycle in order that the DLA remains up to date?

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Super Contributor

Re: DLA question


Nicko wrote:
Is it better for your score to use each of your credit cards at least once in each billing cycle in order that the DLA remains up to date?


1. I don't know what a DLA is.

 

2. It's not necessary to use each card in a billing cycle. Your score doesn't look at how many cards you used.


FICO8 EQ 758 TU 778 EX 732 Total revolving 480k







Message 2 of 4
Community Leader
Senior Contributor

Re: DLA question

Date of Last Activity?  just guessing, don't know.



Message 3 of 4
Moderator

Re: DLA question


elim wrote:

Date of Last Activity?  just guessing, don't know.


Probably from context, typically written DOLA or DOLU (last update) historically.

 

To answer that question, it doesn't really matter much.  Many lenders will still update on a $0 balance, but not all.  You'd have to let a card sit idle for a bit and see if they continue to update month after month... Synchrony for example is the big guilty party on this one.  That said you can simply use it every three or even six months and as soon as it updates, you get all the pretty OK's anyway for the intervening months so it's rather whatever.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


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