topic Re: Knowing when to check scores? in General Credit Topics

Knowing when to check scores?

Anonymous — Mon, 01 Sep 2008 03:45:21 GMT

So...it has only been 2 weeks since I pulled my scores last, but I really want to check them again to see if it has been even a little bit of a jump.

My question is, I see a lot of mention of people seeming to know what days creditors report. Like capital one, macys, etc. How would I find this info out, or, is it just trial and error?

Re: Knowing when to check scores?

Anonymous — Mon, 01 Sep 2008 03:50:11 GMT

From what I've learned...most creditors report on your statement date. Orchard is an exception that reports the balance at the end of the month instead of the statement date.

Re: Knowing when to check scores?

hoping2rebuild — Mon, 01 Sep 2008 12:28:21 GMT

Personally, I pull my CR every 2 weeks to check progress

but I also have alot of baddies that are supposed to be coming

off

I also pull BF's once a month as I have taken his CR from

42 collections down to 13 and still plugging away

Re: Knowing when to check scores?

Anonymous — Mon, 01 Sep 2008 13:00:08 GMT

To know when creditors report, either look at your reports or call them and ask.

Most report right around statement date(not due date, but day your statement cuts).

Do you use a monitoring service of any sorts to check your reports? If so, only pull when there has been major changes or you are just curious.

Re: Knowing when to check scores?

Anonymous — Tue, 02 Sep 2008 02:53:25 GMT

I just ordered true credit. I wish the scores I have there were my real FICOS! (554/532/590 - TU/EX/EQ) LOL. So if I understand this correctly, if something new goes on my report, like when my new Crown Jewelers shows up, then TC will send me an email to let me know the upate?

Re: Knowing when to check scores?

Anonymous — Tue, 02 Sep 2008 05:19:48 GMT

Geez Louis. Hoping2Rebuild, you pull your scores every two weeks? Isn't that pretty frequent? Does it drive you crazy, checking and fixing, then checking again? I thought pulling mine every three months was frequent, but now I'm thinking it's not frequent enough. Any suggestions?

Re: Knowing when to check scores?

Anonymous — Tue, 02 Sep 2008 05:46:58 GMT

Yes, TC will send alerts. They are usually about 2-5 days behind for me.

However, you can updated daily with TC. Look over on the right hand side in the light grey box for something that says "update report" or "update scores".

You have to wait 24 hours and 1 min between updates.

Candice wrote:
I just ordered true credit. I wish the scores I have there were my real FICOS! (554/532/590 - TU/EX/EQ) LOL. So if I understand this correctly, if something new goes on my report, like when my new Crown Jewelers shows up, then TC will send me an email to let me know the upate?

Re: Knowing when to check scores?

Anonymous — Tue, 02 Sep 2008 05:48:24 GMT

Unless you are about to apply for a mortgage or waiting for a certain threshold to apply for something special......you really don't need to pull.

I suggest a good report monitoring service that allows you to keep track of changes.

KeystoneKutie87 wrote:

Geez Louis. Hoping2Rebuild, you pull your scores every two weeks? Isn't that pretty frequent? Does it drive you crazy, checking and fixing, then checking again? I thought pulling mine every three months was frequent, but now I'm thinking it's not frequent enough. Any suggestions?

Re: Knowing when to check scores?

llecs — Tue, 02 Sep 2008 13:38:27 GMT

sidewinder wrote:
Unless you are about to apply for a mortgage or waiting for a certain threshold to apply for something special......you really don't need to pull.

Then there are those of us who have been diagnosed with CPD or Compulsive Pulling Disorder. There's no known cure.

Re: Knowing when to check scores?

GFer — Tue, 02 Sep 2008 14:38:00 GMT

"Then there are those of us who have been diagnosed with CPD or Compulsive Pulling Disorder. There's no known cure."

That's it! I knew I had an 'issue' with pulling so often!

Thought it was just ME!

Re: Knowing when to check scores?

haulingthescoreup — Wed, 03 Sep 2008 00:56:27 GMT

@llecs wrote:

@Anonymous wrote:
Unless you are about to apply for a mortgage or waiting for a certain threshold to apply for something special......you really don't need to pull.

Then there are those of us who have been diagnosed with CPD or Compulsive Pulling Disorder. There's no known cure.

Ahhh, isn't it interesting how having a multi-syllabic name for your bad habits makes them suddenly respectable?

Re: Knowing when to check scores?

MattH — Wed, 03 Sep 2008 01:04:35 GMT

@haulingthescoreup wrote:
@llecs wrote:

@Anonymous wrote:
Unless you are about to apply for a mortgage or waiting for a certain threshold to apply for something special......you really don't need to pull.

Then there are those of us who have been diagnosed with CPD or Compulsive Pulling Disorder. There's no known cure.

Ahhh, isn't it interesting how having a multi-syllabic name for your bad habits makes them suddenly respectable?

So I am not alone