New Contributor
fico64
Posts: 61
Registered: ‎09-19-2010
Re: Fico Score did not improve after 7 month credit card activity

If you read my first comment to start the thread, 7 months ago, I was on this forum, it was suggested that I start using my CC to show activity. It was said I would see a improvement in my score if I show CC activity. I did just that, for the last 7 months, I used it twice a month, then payed immediately.  The usage generated statements from the CC holder. The last time the CC was used is this month and the new credit report was pulled yesterday.

 

The new credit report in fact reports the last August activity under the CC account, HOWEVER AND THIS IS MY POINT, IT INCORRECTLY STATES "YOUR CREDIT CARD SHOWS NO ACTIVITY ... " THIS IS INCORRECT. THIS IS PART OF THE SCORING MODEL AND THE MODEL IS NOT READING MY CC ACTIVITY!  

 

You say 7 months is not enough, okay I will accept that, but THE REPORT IS SAYING I HAVE NO CREDIT CARD ACTIVITY IN THE SCORING MODEL! THIS NEEDS TO BE CORRECTED ON MY REPORT.   I have proof to show I made purchases every month for the last 7 months. It is an error and needs to be corrected. If you can provide me with contacts to report this, I would appreciate it.

 

Look, I don't like using the credit card that I have, let alone a second one. I use a debit card for everything. I only started using the CC to show activity as suggested by this forum to increase my score.