Barclays TU FICO

[dumaine]

Barclays normally updates @ every 10 weeks or so, or if a major change. Well last month ( month where they normally would not have updated) they decided to update because I let 2 cards report resulting in a 15 point drop. I wonder why I have yet to see an update  this month since I have paid Barclays off (and it HAS reported to all 3) ?

[MrCredit]

 My Barclay FICO has never worked from day one. I have had the card for over a year and it keeps telling me my score is unavailable. I get it from Wal-Mart who pulls TU so I do not know what their problem is.

[iCoop]

There is no rhyme or reason to how Barclay pulls these FICO scores in my opinion. I wouldn't rely on them for the most up-to-date picture of your account standing.

I know it's not true FICO scoring, but I use Citi IdentityMonitor. Offers a triple bureau report every month along with FAKO scores.

[Slim1Der]

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@dumaine wrote:

@Barclays normally updates @ every 10 weeks or so, or if a major change. Well last month ( month where they normally would not have updated) they decided to update because I let 2 cards report resulting in a 15 point drop. I wonder why I have yet to see an update  this month since I have paid Barclays off (and it HAS reported to all 3) ?

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My UTI went WAY down last month and Barclays is still showing a FICO lower than all the rest that have increased due to my recent UTI reduction. I take their scoring with a grain of salt. I only look at it because it's free.

[CreditDunce]

Barclay's score is up to date when they pull your score.  They may not provide it every month, but it is a nice they provide a real FICO 08 score.

I don't think Barclay is the one who decides what constitutes a major change in your CR.  I think TU decides when there is a major change and notify Barclay's of the change.   If that is the way they monitor your credit, I can't blame them for not spending more money for monthly pulls just because I would like more often updates. 

[lobsterfordinner]

For me, Barclays sometimes don't update my FICO score for > 3 months, but sometimes between as little as 3 days.

[iCoop]

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@lobsterfordinner wrote:

For me, Barclays sometimes don't update my FICO score for > 3 months, but sometimes between as little as 3 days.

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Exactly. On the history tab the dots are so sporadic.

[Anonymous]

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@dumaine wrote:

@Barclays normally updates @ every 10 weeks or so, or if a major change. Well last month ( month where they normally would not have updated) they decided to update because I let 2 cards report resulting in a 15 point drop. I wonder why I have yet to see an update  this month since I have paid Barclays off (and it HAS reported to all 3) ?

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Interesting, because mine was first reported in Mid July, and 32 days later in Mid August it got updated, which showed no change in score though.

[lobsterfordinner]

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@iCoop wrote:

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@lobsterfordinner wrote:

For me, Barclays sometimes don't update my FICO score for > 3 months, but sometimes between as little as 3 days.

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Exactly. On the history tab the dots are so sporadic.

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I got a feeling that they don't update your score unless there's a major update to your report, such as high balances, new inquiry/account

[dumaine]

I guess I suspected that since a 15 point drop was significant enough for them to update on an off month, then a zero balance, only 1 card reporting (total util across 6 cards from 13% to 3%) and an inquiry falling off would be enough to get another update