topic Re: MY Fico scores in General Credit Topics

MY Fico scores

ronstar7 — Mon, 14 Jul 2014 17:29:39 GMT

Mods please move if not in the right forum.

Can anyone tell me when in the month you should buy your scores from here? My last bill is due on the 28th of the month if that helps.

Thanks!

Re: MY Fico scores

-Wade- — Tue, 15 Jul 2014 22:40:24 GMT

@ronstar7 wrote:
Mods please move if not in the right forum.

Can anyone tell me when in the month you should buy your scores from here? My last bill is due on the 28th of the month if that helps.

Thanks!

The best time is when you have low util. reported on your CR. and after the first of the month. It's also a good idea to get your score after inquires past the 1 year mark

Re: MY Fico scores

takeshi74 — Wed, 16 Jul 2014 12:24:48 GMT

@ronstar7 wrote:

Can anyone tell me when in the month you should buy your scores from here?

For what purpose? Are you looking to apply for something and wanting the highest score possible? It's not just a specific point in any given month that would matter. You'd want to pull when the last account has reported a lowered balance. Check your reporting dates and use that as a reference.

If you're looking for something else from your scores then you need to clarify. If you're just checking up on your scores then you can pull them any time.

@ronstar7 wrote:
Can anyone tell me when in the month you should buy your scores from here? My last bill is due on the 28th of the month if that helps.

Due dates generally are not relevant. Most cards report at statement end which is why the recommendation to adjust reported utilization involves paying prior to statement end. If you have cards that report at other times then you need to take that into consideration.

Re: MY Fico scores

ronstar7 — Wed, 16 Jul 2014 13:20:45 GMT

@takeshi74 wrote:
@ronstar7 wrote:

Can anyone tell me when in the month you should buy your scores from here?
For what purpose? Are you looking to apply for something and wanting the highest score possible? It's not just a specific point in any given month that would matter. You'd want to pull when the last account has reported a lowered balance. Check your reporting dates and use that as a reference.

If you're looking for something else from your scores then you need to clarify. If you're just checking up on your scores then you can pull them any time.

@ronstar7 wrote:
Can anyone tell me when in the month you should buy your scores from here? My last bill is due on the 28th of the month if that helps.

Due dates generally are not relevant. Most cards report at statement end which is why the recommendation to adjust reported utilization involves paying prior to statement end. If you have cards that report at other times then you need to take that into consideration.

No not looking for anythng in particular just wanted to keep track for general purposes. Wasnt sure, as I know some people pull every month while others dont and some pull begnning and end of month so I wanted to know if there was any rhyme or reason to it.

Thank you for your response!

Re: MY Fico scores

ronstar7 — Wed, 16 Jul 2014 13:22:27 GMT

@-Wade- wrote:
@ronstar7 wrote:
Mods please move if not in the right forum.

Can anyone tell me when in the month you should buy your scores from here? My last bill is due on the 28th of the month if that helps.

Thanks!
The best time is when you have low util. reported on your CR. and after the first of the month. It's also a good idea to get your score after inquires past the 1 year mark

Sound advice, thank you, after I get utl down currently at 42% I will probably pull every second week.

Thank you for your response!

Re: MY Fico scores

MT936 — Wed, 16 Jul 2014 14:14:19 GMT

buy it after you have paid your balances off and the creditors have received the payment, the key is to be in low utilization %

Re: MY Fico scores

ronstar7 — Wed, 16 Jul 2014 17:36:23 GMT

@MT936 wrote:
buy it after you have paid your balances off and the creditors have received the payment, the key is to be in low utilization %

Will do, thank you!