Checking my FICO score

[Anonymous]

We recently paid everything off, and I have signed up for an Equifax alert thing which reviewed and found out that all the creditors had reported the payoffs and new balances.  I want to check my FICO score to see if it has gone up, but I don't want an inquiry to lower the score.  What a freaking Catch-22.  Any advice would be much appreciated.  Thanks.

[MidnightVoice]

Checking your own score does not  change the score.

Good news!

[Anonymous]

You're not charged an inq when you pull yourself.

[Anonymous]

Great, so would it be too soon (3 months) to expect/hope for a jump?

[Anonymous]

FICOs can change daily as a result of activity either on your part or others with Permissable Purpose.

Check them.

Rob

[Anonymous]

If you plan on checking your score more than 2 times it can be the same price or less to sign up for score watch which will email you every time your score changes. Basically daily score checks.

[Anonymous]

I just signed up for score watch.  My credit score is a paltry 562.  Some of the creditors have not reported for June, so hopefully that will have some impact (some of the ratios are still too high). There is also a too recent 30 days late, so maybe since we paid the entire balance, they creditor might remove that (it's the first and only one with them)?   I really want to take care of this and do it right. 

I guess it takes careful monitoring and follow through.

[Anonymous]

As far as that late, make sure you send them a GW instead of just hoping someone will do it.   You'll stand a much better chance if you ask them.