topic Re: MyFICO Monthly Update in Credit Card Applications

MyFICO Monthly Update

BMW_328i — Mon, 11 Oct 2021 19:42:18 GMT

Hi,

[Begin Rant]

I have a pre-qual meeting with BOA this Friday. This app has picked the wrong month to delay my updated scores!!! I usually get my scores updated within the first ten days, with the occasional outliers. Only 2 of my CCs have reported on TU and EX. The simulator estimated my middle score to 645 and I'm worried I won't make it there

[End Rant]

Re: MyFICO Monthly Update

FireMedic1 — Mon, 11 Oct 2021 20:26:46 GMT

Re: MyFICO Monthly Update

Remedios — Mon, 11 Oct 2021 20:40:09 GMT

@BMW_328i wrote:
Hi,
[Begin Rant]

I have a pre-qual meeting with BOA this Friday. This app has picked the wrong month to delay my updated scores!!! I usually get my scores updated within the first ten days, with the occasional outliers. Only 2 of my CCs have reported on TU and EX. The simulator estimated my middle score to 645 and I'm worried I won't make it there

[End Rant]

I hate to be the one to tell you this but BoA doesn't have a real prequal interface available to public.

Their "prequal" website is nothing but a recommendation based on your answers.

Also, 645 is on a very low side for them, I'd wait and address whatever is keeping your scores suppressed first

Re: MyFICO Monthly Update

stw715 — Mon, 11 Oct 2021 23:47:33 GMT

Just because third party site hasn't update/alert your credit scores yet, it doesn't mean Credit Bureaus hasn't received whatever info you were hoping for. If it's that important and/or time sensitive then you should get your info directly with CBs.

Re: MyFICO Monthly Update

FICOlearner123 — Wed, 13 Oct 2021 19:53:16 GMT

Which BoA card was the prequal for?

@stw715 wrote:
Just because third party site hasn't update/alert your credit scores yet, it doesn't mean Credit Bureaus hasn't received whatever info you were hoping for. If it's that important and/or time sensitive then you should get your info directly with CBs.

Re: MyFICO Monthly Update

SouthJamaica — Thu, 14 Oct 2021 17:10:39 GMT

@BMW_328i wrote:
Hi,
[Begin Rant]

I have a pre-qual meeting with BOA this Friday. This app has picked the wrong month to delay my updated scores!!! I usually get my scores updated within the first ten days, with the occasional outliers. Only 2 of my CCs have reported on TU and EX. The simulator estimated my middle score to 645 and I'm worried I won't make it there

[End Rant]

If you pull the report today you'll get updated scores. It will cost you, but when applying for a mortgage, it's worth it.