topic Re: DCU Monthly FICO score! in General Credit Topics

DCU Monthly FICO score!

CYBERSAM — Tue, 04 Aug 2020 18:06:53 GMT

Generally I'll get the monthly FICO score on last Friday of each month! However I have not seen it for July yet!

Has anyone else having this issue or its just me...

Re: DCU Monthly FICO score!

coldfusion — Tue, 04 Aug 2020 18:53:50 GMT

It's not just you.

Re: DCU Monthly FICO score!

tcbofade — Tue, 04 Aug 2020 20:40:59 GMT

It's not just you times two!

...I'm still waiting as well...

Re: DCU Monthly FICO score!

coldfusion — Tue, 04 Aug 2020 20:57:41 GMT

I pulled up my EQ report, their last general inquiry was on 6/23. They did a routine SP for their quarterly account review on 7/7.

Re: DCU Monthly FICO score!

CYBERSAM — Tue, 04 Aug 2020 21:02:48 GMT

@coldfusion wrote:

I pulled up my EQ report, their last general inquiry was on 6/23. They did a routine SP for their quarterly account review on 7/7.

Hmm... I looked at my account and as of 6 years ago this is the very 1st time that they have dropped the ball on providing the FICO score!

Re: DCU Monthly FICO score!

Anonymous — Tue, 04 Aug 2020 23:22:27 GMT

I thought I was losing my mind. Glad to know it's not just me. It seems they are slipping behind on multiple fronts these days.

Re: DCU Monthly FICO score!

RootDet — Wed, 05 Aug 2020 08:03:21 GMT

Another board mentioned that this happens about every 6 years with DCU.

Re: DCU Monthly FICO score!

Wavester64 — Wed, 05 Aug 2020 12:32:56 GMT

@CYBERSAM wrote:
Generally I'll get the monthly FICO score on last Friday of each month! However I have not seen it for July yet!
Has anyone else having this issue or its just me...

Nothing here for me either.

Re: DCU Monthly FICO score!

DaveInAZ — Wed, 05 Aug 2020 15:21:48 GMT

@coldfusion wrote:

I pulled up my EQ report, their last general inquiry was on 6/23. They did a routine SP for their quarterly account review on 7/7.

Darn, a month too early for me! My Sept. 2010 BK7 fell off my EQ report Aug. 1, the last CRA to remove it. CK Vantage 3 score went up 65 points to 747, no access to a Fico 8 score for EQ.

And I always relied on a Message for my DCU Fico5 score, not realizing it's also in Account Manager - Account Manager Home, Manage Accounts tab, Services tab, Monthly Fico Score. Last one for me is dated June 26. Looking forward to the one pulled late Aug., although no credit products I want from DCU other than my current car loan, I have a low APR, no cash advance credit card like theirs from my local CU.

Re: DCU Monthly FICO score!

tcbofade — Wed, 05 Aug 2020 21:02:26 GMT

Mine updated today! (Today is 05 August. Score as of 31 July.)

No change.

Re: DCU Monthly FICO score!

blindambition — Wed, 05 Aug 2020 21:13:03 GMT

@tcbofade wrote:
Mine updated today! (Today is 05 August. Score as of 31 July.)

No change.

Thanks for this! It wasn't there this morning, but there now.

Since they've been slow on reports, chalked up to that. Wasn't going to wait on hold for 3 hours just for that.

Re: DCU Monthly FICO score!

Anonymous — Thu, 06 Aug 2020 01:28:29 GMT

Yeah I noticed a little bit ago when I got the email saying my statement was ready that the score was too.

EQ5 continues to be a stubborn jerk although 710 is better than 688. Kind of surprised that EX2 is 20 points higher. Hopefully that 710 will be enough to get DCU to offer me a CLI on my card. If not, I'm gonna close it when the offers come in October because there is zero point in a $1K card.

Re: DCU Monthly FICO score!

AllZero — Thu, 06 Aug 2020 01:41:03 GMT

@DaveInAZ wrote:
@coldfusion wrote:

I pulled up my EQ report, their last general inquiry was on 6/23. They did a routine SP for their quarterly account review on 7/7.
Darn, a month too early for me! My Sept. 2010 BK7 fell off my EQ report Aug. 1, the last CRA to remove it. CK Vantage 3 score went up 65 points to 747, no access to a Fico 8 score for EQ.
And I always relied on a Message for my DCU Fico5 score, not realizing it's also in Account Manager - Account Manager Home, Manage Accounts tab, Services tab, Monthly Fico Score. Last one for me is dated June 26. Looking forward to the one pulled late Aug., although no credit products I want from DCU other than my current car loan, I have a low APR, no cash advance credit card like theirs from my local CU.

Thank you for the tip. I didn't realize that.

Re: DCU Monthly FICO score!

CYBERSAM — Thu, 06 Aug 2020 01:45:33 GMT

Finally showed up! 🐌

I thought they changed it to FICO Score 4 as of last year!

Re: DCU Monthly FICO score!

Anonymous — Thu, 06 Aug 2020 02:31:16 GMT

@CYBERSAM wrote:
Finally showed up! 🐌

I thought they changed it to FICO Score 4 as of last year!

The 4 seems to be some sort of superscript that's supposed to apply to text in the footnote. "4 Interactive Score Simulator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shows in this Interactive Score Simulator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes."

FICO 4 would be TransUnion's mortgage score. WyHy is the only place I know that's giving that one out.

Re: DCU Monthly FICO score!

CYBERSAM — Thu, 06 Aug 2020 05:43:41 GMT

@Anonymous wrote:
@CYBERSAM wrote:
Finally showed up! 🐌

I thought they changed it to FICO Score 4 as of last year!
The 4 seems to be some sort of superscript that's supposed to apply to text in the footnote. "4 Interactive Score Simulator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shows in this Interactive Score Simulator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes."

FICO 4 would be TransUnion's mortgage score. WyHy is the only place I know that's giving that one out.

Oh! That makes sense 😂

Re: DCU Monthly FICO score!

coldfusion — Thu, 06 Aug 2020 13:54:08 GMT

ND-DIGITAL FEDERAL CREDIT UNION

08/04/20

Didn't take them long to process once they pulled the reports.

Re: DCU Monthly FICO score!

Anonymous — Mon, 10 Aug 2020 01:41:03 GMT

May I ask, who is WyHy?

Re: DCU Monthly FICO score!

AllZero — Mon, 10 Aug 2020 01:51:58 GMT

@Anonymous wrote:
May I ask, who is WyHy?

@Anonymous . https://www.wyhy.org

Re: DCU Monthly FICO score!

Anonymous — Mon, 10 Aug 2020 02:04:01 GMT

Thanks AllZero.