One question..about bouncing credit score

[haulingthescoreup]

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@marty56 wrote:

2 of my 3 CCs have a credit and they both report as 0. It would be kinda fun to see what would happen to your FICO score if a CCC did report a negative balance.

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I sometimes get a negative balance with PenFed, because of the cashback posted at statement time, and I once got a negative balance of several hundred dollars on a USAA card due to returning surplus materials. They always reported as zero, and I haven't had any magic fairy dust sprinkled about when it happened.

That would mean the CRA's doing us a favor! Goodness, marty, I know you know better than that.

[marty56]

To my defense it is hard to tell on my statement what the CC is reporting since it just says credit and the due amount is 0.  I should have guessed that FICO treats negative as 0 since it round up.  Anyway my bad.

[haulingthescoreup]

Sorry, marty, just teasing! I didn't mean to cause hurt feelings.

It would be interesting to try to find a way to force a compliment out of the CRA's. My brain can't come up with anything though. The concept of them being nice to a consumer is so alien!

[marty56]

No I didnt take offense.  I was more interested in it from a programmer's point of view.

[Anonymous]

how do you know your three real time credit scores?

[marty56]

Your would purchase them here.  It will be a snapshot of what your credit is at that moment including your FICO score.