topic Re: TC Credit w/scores? in General Credit Topics

TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 11:48:27 GMT

I am checking my update this morning and want to know if it's "normal" that scores do not go up utilizing TC - I've made the normal payments, haven't been able to pay further util. yet, had no success in getting the one "double reporting" of an account removed EQ is my bugger along with EX...does anyone else have this issue of scores not budging?

I figure within the next month or so I should be able to have my util down to 50% - I know, I have a ways to go, just being very careful about everything - only have 2 cards and scores won't move past 558 except TU, they have me at 629...I closed (3) CC accounts because I didn't want to pay fees just to have the cards, would rather have (2) cards....working to get rid of CAP 1 because of their reporting (not reporting CL).

Appreciate any words of advice or just to know I'm on the right track.

Thanks to all on this board - it is fabulous! And I am one of those FICO trying to get higher scores to buy a house!

Re: TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 13:12:47 GMT

You understand that TU scores are fake, not real FICOs. TC will update when it wants, could be once a week, could be once every 2 months.

Re: TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 14:18:51 GMT

Thanks - yes, I knew they were fake, just irritating to see them sitting there anyway not moving!

Re: TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 14:36:24 GMT

My TC score change usaly reflects change on Fico as well.

Check if there is some wromg info there.

My scores didn't go up until I realise 30 days late 2 years old reporting as current late.

Re: TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 14:45:07 GMT

Thank you - I'll check now - I've been on it for a month, which I didn't think a month had gone by already

Re: TC Credit w/scores?

chartley3 — Tue, 03 Jul 2007 15:22:40 GMT

TU is horrible at updating information but thier FICO score is usually my highest score, now if only the **bleep** CCC would use that score instead of the Vantage score which is 55 points lower Id be happy.

Re: TC Credit w/scores?

Anonymous — Tue, 03 Jul 2007 17:35:02 GMT

TU is always highest for me too - don't get it - want to find CCs that use that report! My scores just don't seem to budge on True Credit...but then again it's only July 3

Re: TC Credit w/scores?

SoulSmilen — Tue, 03 Jul 2007 23:35:38 GMT

beach123 wrote:
TU is always highest for me too - don't get it - want to find CCs that use that report! My scores just don't seem to budge on True Credit...but then again it's only July 3

LOL.. forgive me, but I have to ask.

Are you choosing to update your score or expecting it to update on its own simply by signing on?

Hehe.. sorry, but someone PM'd me not long ago with the same situation and that was the problem.

Re: TC Credit w/scores?

Anonymous — Wed, 04 Jul 2007 04:04:22 GMT

I was choosing to update mine when I'd check...I noticed today that of all things EQ went up 5 points as did TU, which shocked me; but I hope these FAKO scores are "lower" than FICO

This was the first time I hit the first of the month on this program so maybe I don't need to check scores every day?

Re: TC Credit w/scores?

Anonymous — Wed, 04 Jul 2007 04:20:13 GMT

Ther is no rule wich score is lower or higher.

Re: TC Credit w/scores?

Anonymous — Wed, 04 Jul 2007 04:41:40 GMT

Not what I was hoping for but thank you!!