The "Payments" field on TrueCredit is not the amount of payments you actually made, but the total amount of your required monthly minimum payments.
Topshelf wrote:Now here is where it gets interesting.balances reported:2/5 bal = $17204 payments = $5093/5 bal = BALANCES reported:TU $13235 EX $11244 EQ $11120
PAYMENTS reported: TU $447 EX $542 EQ $447You do the math $17204 bal minus $13235 bal = $3969 in my book, not $659 like TU is stating.
Because FAKOs are worthless and should be ignored. Trying to make sense out of them is futile.
Topshelf wrote:What is going on? My scores should have really jumped taking my Util from 65% to 13%!!Why aren't I getting credit where credit is due with a score increase.
RobertEG wrote:Hey, Top, may I be so bold as to ask, why do yiou care about your monthly numerical FICO? If you are planning to apply for new credit in the next few months, then yes, it is important. If not, then just follow the threads and threads of great advice you get on here, and ride the wave. FICO only has relevance once you put a new loan application on someones desk. Other than that, it is just ego.