topic Re: DCU FICO is up! in Credit Cards

DCU FICO is up!

zyzzus — Fri, 28 Jun 2013 16:27:59 GMT

Holding strong at 714.

Re: DCU FICO is up!

Anonymous — Fri, 28 Jun 2013 16:31:27 GMT

713 For me, I guess Ibetter update my sig!

Re: DCU FICO is up!

mark293 — Fri, 28 Jun 2013 16:46:57 GMT

I am a new DCU member. I don't see a score and I don't have any messages.

Re: DCU FICO is up!

zyzzus — Fri, 28 Jun 2013 16:55:18 GMT

@mark293 wrote:
I am a new DCU member. I don't see a score and I don't have any messages.

Do you have a freeze on your CR?

It took me an additional month to get my FICO from them because I had a freeze on my report.

Re: DCU FICO is up!

mark293 — Fri, 28 Jun 2013 16:59:33 GMT

Thanks for replying. No freeze on my CR.

Re: DCU FICO is up!

Ron1 — Fri, 28 Jun 2013 17:18:40 GMT

I just checked mine and I don't have mine yet. May be next month.

Ron.

Re: DCU FICO is up!

Anonymous — Fri, 28 Jun 2013 18:11:27 GMT

holding at 652

Re: DCU FICO is up!

Anonymous — Fri, 28 Jun 2013 23:25:03 GMT

+3 this month. 718

I hope I hit 750 by December, so I can ask for a CLI and to lower my APR at the same damn time with the same damn HP.

Re: DCU FICO is up!

new_earth — Sat, 29 Jun 2013 00:08:43 GMT

went up 21 points from 629 to 654 after Portfolio collection deleted.

Re: DCU FICO is up!

Revelate — Sat, 29 Jun 2013 04:37:56 GMT

Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month. Still flatlined at 648, c'est la vie .

Re: DCU FICO is up!

Dubious — Sat, 29 Jun 2013 07:25:22 GMT

@Revelate wrote:
Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month. Still flatlined at 648, c'est la vie .

I read somewhere on this forum that util is rounded up, so in both those cases it's still 1%. Even if util is calculated so very precisely, the difference between those two are so minimal, I don't think you would really see a difference...

Re: DCU FICO is up!

brindle26 — Sat, 29 Jun 2013 13:12:39 GMT

My first direct deposit will be Monday. Should I expect a score then or will it be at the end of July. Also where on the DCU site should I look for the score?

Re: DCU FICO is up!

Anonymous — Sat, 29 Jun 2013 13:20:42 GMT

I would suspect that you'll see it on the last business day of July! Look in your messages that's were you will find it!

Re: DCU FICO is up!

brindle26 — Sat, 29 Jun 2013 13:21:53 GMT

Thank you

Re: DCU FICO is up!

Simply827 — Sat, 29 Jun 2013 13:22:15 GMT

What product do you have to hold in order to get a FICO score?

Re: DCU FICO is up!

brindle26 — Sat, 29 Jun 2013 16:03:45 GMT

Automatic upgrade from basic benefits with any two qualifying services*

* Qualifying services include:

Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
Receive all your DCU monthly account and loan statements electronically.
Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).

Re: DCU FICO is up!

Anonymous — Sat, 29 Jun 2013 23:28:00 GMT

I read some people still get free Fico with just a checking account. I think all you need to do is sign up for eStatements.

Re: DCU FICO is up!

visorboy1974 — Sun, 30 Jun 2013 19:31:44 GMT

685

Re: DCU FICO is up!

RockinRay — Mon, 01 Jul 2013 12:37:25 GMT

787 for me. I had an INQ last month due to a re-fi on the house.

Maybe hit 800 next month!

Re: DCU FICO is up!

Revelate — Mon, 01 Jul 2013 14:25:42 GMT

@Dubious wrote:
@Revelate wrote:
Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month. Still flatlined at 648, c'est la vie .

I read somewhere on this forum that util is rounded up, so in both those cases it's still 1%. Even if util is calculated so very precisely, the difference between those two are so minimal, I don't think you would really see a difference...

Ah, I missed that completely! It's supposed to be a comma. not a period

$2,968.00/3000.00 -> $16.82/3000.00, it should make a difference .