topic Re: DCU Scores now up in General Credit Topics

DCU Scores now up

Cali_Credit — Fri, 27 Dec 2013 17:57:50 GMT

I almost fell out my chair this morning when I seen my score go from 715 last month to 752!

Re: DCU Scores now up

Anonymous — Fri, 27 Dec 2013 18:05:13 GMT

Nice! You must have been good this year!

Re: DCU Scores now up

Cali_Credit — Fri, 27 Dec 2013 18:07:22 GMT

Yes only 1 credit card! 1 year ago my DCU score was 611! Came a long way in 1 year!

Re: DCU Scores now up

Grover627 — Fri, 27 Dec 2013 18:21:40 GMT

Congrats on the huge score bump!

I am up 6 points since last month to 665! Only 10 more points until I will refinance my auto loan with them to 1.99%- right now I am at 5.49%.

Question: I have had my account with them for 7 months now, and my credit card has been stuck at a CL of $500. My other cards have all grown, and this is now my lowest limit. DCU also houses my checking and savings accounts. My overall utilization is about 40%. Should I ask them for a CLI, knowing that it will probably be a hard inquiry, or should I wait for some auto-love from them?

Looking for opinions...

Re: DCU Scores now up

Cali_Credit — Fri, 27 Dec 2013 18:58:32 GMT

@Grover627 I'd wait till your score hits 675 so you can use the same hard pull as your auto loan. They will also lower your rate with an EQ Credit score of 675 to 11.5% APR. So it will be a win win and I'm sure they will up your limit as when i first applied I was at a score of 611 and got a 1500$ Limit. When my score hit 680 I Refi my car from 9% to 1.99% and got a CLI to 5000. I'd also try an dyou you utilzation down and it will help raise your scores alot.

DCU Rates vs Scores below.

EQ 675 - 11.5% APR

EQ 700 - 9.5% APR

EQ 730 - 8.5% APR - BEST RATE!

Re: DCU Scores now up

Simply827 — Fri, 27 Dec 2013 19:14:32 GMT

I'm up 3 to 675.

Interestingly, my UTL is higher (and now listed as one of the 2 reasons affecting my score). I wonder what part of my score gave me a bump.

Re: DCU Scores now up

Grover627 — Fri, 27 Dec 2013 19:14:53 GMT

Thanks for the reply! Yeah, lowering the utilization to get the scores up would be the reason I am considering asking DCU for a CLI now instead of waiting til I hit 675. I am also paying down my cards, but that is a slow and steady process. Getting a CLI would be a quick way to lower my utilization, and thus bump my score. But the extra hard inquiry that goes with it would be a negative.

Re: DCU Scores now up

Anonymous — Fri, 27 Dec 2013 20:29:28 GMT

That's fanTAStic! Congrats!

Re: DCU Scores now up

odd_dog — Fri, 27 Dec 2013 20:47:53 GMT

IEcredit that is awesome!!! Can anyone tell me where these scores are?? I have had a DCU savings account and CC for over a year and still have no clue where the scores are?? Do I have to tell them I want them?? thanks!

Re: DCU Scores now up

Anonymous — Fri, 27 Dec 2013 20:55:16 GMT

Once you log in online, you should be able to click on the house/account manager icon at the top. Then click on inbox in the sidebar. It's a message they send each month titled, "Your monthly FICO score!"

Re: DCU Scores now up

odd_dog — Fri, 27 Dec 2013 21:25:04 GMT

@Anonymous wrote:
Once you log in online, you should be able to click on the house/account manager icon at the top. Then click on inbox in the sidebar. It's a message they send each month titled, "Your monthly FICO score!"

thanks olderwiser3!!! I did that nothing in my inbox except the 1% extra promo they are running....maybe I will call next week and ask....

Re: DCU Scores now up

Anonymous — Fri, 27 Dec 2013 21:29:43 GMT

Hmm, that's odd. Definitely give them a call. I imagine it's something they can easily add to your account.

Re: DCU Scores now up

Anonymous — Fri, 27 Dec 2013 21:30:46 GMT

Oh and you're welcome. Let us know how it goes.

Re: DCU Scores now up

odd_dog — Fri, 27 Dec 2013 21:51:46 GMT

I will, with my luck you need a direct deposit or some service I am not signed into yet!!

Re: DCU Scores now up

daybreakgonesXe — Fri, 27 Dec 2013 22:51:52 GMT

726, down from 734 last month :/

Scores have been steady like this all year, which is a little disappointing, but hey, they will grow one day Score went down because more cards are reporting balances!

Re: DCU Scores now up

masscredit — Sat, 28 Dec 2013 04:08:56 GMT

I think the score there is a few days old, My EQ score here went from 685 to 699 on 12/26. The score there is dated today (12/27) but it shows 685. Both of my scores are usually the same. Maybe they didn't update at the same time because of the holiday?