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How often does barclay update FICO?

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whydoineedaname
Regular Contributor

How often does barclay update FICO?

So I thought they updated like once a month or something but it looks like more often?

 

Its my understanding that the Barclay card nd Discover card us the same fico score from transunion.

 

My Discover IT card has only updated like once...  AND it was the same score.

 

My Barclay rewards card on the other hand...  Well It looks like they have soft pulled a few times.  Not every time the score updated but...  As you can see from the first three scores listed under transunion in my signature the score is moving up.

 

Is it a normal thing that they are watching my credit so closely?  Is it a good thing/Bad thing?


Equifax 3/29/2013 - 649, 4/1/2014 - 651, 4/14/2014 - 662, 4/16/2014 - 655
Transunion 3/29/2014 - 648, 4/29/2014 - 650, 5/1/2014 - 653, 6/10/2014 - 662 (barclay/discover), (4/16/2014 - 658 - lender pull)
Experian 4/1/2014 - 653, 4/14/2014 - 669
What in my wallet? Secured Card $550, Barclaycard Reward $3100, Discover IT $1300, Kohl's $400, Navy Federal cashReward $2500, Navy Federal $17800 for a car 2.79% for 72 months.
Message 1 of 15
14 REPLIES 14
Involver
Valued Contributor

Re: How often does barclay update FICO?

Every 10 weeks if no significant CR changes.
Message 2 of 15
BigBS
Senior Contributor

Re: How often does barclay update FICO?

Barclays SP'd me 3 times last month, but as stated every 10 weeks unless something changes.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 3 of 15
whydoineedaname
Regular Contributor

Re: How often does barclay update FICO?


@BigBS wrote:

Barclays SP'd me 3 times last month, but as stated every 10 weeks unless something changes.


Funny they are pulling so often if they normaly wait 10 weeks...


Equifax 3/29/2013 - 649, 4/1/2014 - 651, 4/14/2014 - 662, 4/16/2014 - 655
Transunion 3/29/2014 - 648, 4/29/2014 - 650, 5/1/2014 - 653, 6/10/2014 - 662 (barclay/discover), (4/16/2014 - 658 - lender pull)
Experian 4/1/2014 - 653, 4/14/2014 - 669
What in my wallet? Secured Card $550, Barclaycard Reward $3100, Discover IT $1300, Kohl's $400, Navy Federal cashReward $2500, Navy Federal $17800 for a car 2.79% for 72 months.
Message 4 of 15
Anonymous
Not applicable

Re: How often does barclay update FICO?

So these results are real FICO 08.  Just suprised at how high the score is, 843, when I have a fair number of recent inqs

 

Message 5 of 15
thelethargicage
Valued Contributor

Re: How often does barclay update FICO?


@whydoineedaname wrote:

So I thought they updated like once a month or something but it looks like more often?

 

Its my understanding that the Barclay card nd Discover card us the same fico score from transunion.

 

My Discover IT card has only updated like once...  AND it was the same score.

 

My Barclay rewards card on the other hand...  Well It looks like they have soft pulled a few times.  Not every time the score updated but...  As you can see from the first three scores listed under transunion in my signature the score is moving up.

 

Is it a normal thing that they are watching my credit so closely?  Is it a good thing/Bad thing?


They update it once in a blue moon...or every 10 weeks, which sounds about right. I prefer Discover's Fico, though--it gets updated every month.


Message 6 of 15
IamB2
Established Contributor

Re: How often does barclay update FICO?


@Involver wrote:
Every 10 weeks if no significant CR changes.

Do we know what constitutes "significant" according to Barclays?

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 7 of 15
Kenny
Moderator Emeritus

Re: How often does barclay update FICO?


@Anonymous wrote:

So these results are real FICO 08.  Just suprised at how high the score is, 843, when I have a fair number of recent inqs

 


Nice job! Smiley Happy

Message 8 of 15
Involver
Valued Contributor

Re: How often does barclay update FICO?


@IamB2 wrote:

@Involver wrote:
Every 10 weeks if no significant CR changes.

Do we know what constitutes "significant" according to Barclays?


I wish I knew.  I have added 2 new accounts, reduced my util, and dropped all my INQs since my last score update early in March and it hasn't updated for any of those events.

Message 9 of 15
injustifiiable
Valued Contributor

Re: How often does barclay update FICO?

Not often enough if you ask me.

 

10 weeks is a long time....considering how often Barclays softs us to death.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 10 of 15
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