Monthly FICO reporting is only of immediate importance to the immediate credit seeker.
Which, I must humbly interject, leads to a plan of weaving all the threads of gold spon upon this forum into a more strategegic plan, without fixation on plodding monthly FICOs.. FICO scores are only snapshot monthly intellectual and planning tools until such time as one has to rely upon the score when actually applying for new credit. Many of the tricks, suggestions, and great info on this site are GREAT tweaks to the max. for securing immediate FICO score boosts. Tactical tools, but not necessarily the best strategic approach. Alll strategic FICO planning must start with only one strategic question, period:
"When am I actually going to apply for new credit?" Until then, monthly FICO importance is about understanding and planning, not about a monthly point gain or loss brain orgasm, and certainly no basis upon which to build a sounder strategic plan. Tactical plans are important, but only come into play three months from the date that your strategic plan fixes as a date for credit application, to allow the CRAs to receive and process the data input. Then the short term tactics, such as realizing the delay between statement ending dates and CCC reporting dates, PIF strategy, etc. comes into focus. Until then, it is a matter of indivual plan, and not a monthly FICO obsession. As Ross Perot once said, "Washington has millions of plans, and if I am elected President, I will just find one of those plans, and do it!!!":
Just my FICOanalysis.