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New Member
Posts: 3
Registered: ‎11-05-2013
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fico updates

How often is your fico score updated

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: fico updates

For which service?

New Member
Posts: 3
Registered: ‎11-05-2013
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Re: fico updates

For Equifax

 

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: fico updates


arnold wrote:

For Equifax

 


If you buy single-pull reports via FICO Standard, there is no update since it's a one-time pull.

 

If you subscribe to the monthly service, ScoreWatch, then that subscription includes 2 EQ FICO reports per year, with the first being used up when you first subscribe. The other report can be used anytime during the year, or saved after a year. ScoreWatch will monitor your score though. It monitors it daily. If something changes on your EQ CR that triggers a credit alert like a new account or a new inquiry, then SW will alert you to that change and will automatically provide your new EQ FICO if your score changed. Some changes won't trigger an alert like a dropped account. SW will monitor your EQ FICO for changes every 7-10 days and if your new EQ FICO hit or surpassed your target score (found in your settings), then SW will provide your new score sans the reason behind the alert.

Valued Contributor
Posts: 1,094
Registered: ‎02-15-2012
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Re: fico updates

I think the OP may be asking in general how often a FICO score changes. It can change throughout the course of a day. As new data posts to your credit report, your score may or may not change. This includes things like payments you have made, new statements being cut by your lender, your accounts getting older, hard pull inquiries being placed on your file,....

FICO is a snapshot of a moment in time.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
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