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@mrldp40 wrote:
Paid down to 9 percent tu 16 point jump ex 28 point jump still waiting on eq to update .so this is definitely a way to improve score26 points jump on eq yes!!!!
Congrats on your CS improvement!
Did you just got a loan and paid it down to 9%? And with which bank/union you went with?
@Anonymous wrote:Congrats on your CS improvement!
Did you just got a loan and paid it down to 9%? And with which bank/union you went wit
yes thats what i did .it was nfcu
With almost any integer % (whether for revolving util, installment util, whatever) it's best to make sure you are at less than that %, rather than at it. This has to do with how FICO does rounding. If you are even a penny over 9%, FICO will round that up to 10%.
It's interesting that you only get 16 points for TU. Most people do a lot better. Does your TU report have derogs?
When did you apply for SSL?
As per Alliant, my SSL opened on 7/05... Initially due date was 7/20, which has been moved to a year later after reducing tge loan amount. I was expecting a new account to show up on 8/01. . DIdnt happen.... And as of today, there is no alert; meaning no new account from Alliant.reorted.
Something may have gone wrong possibly?
@Anonymous wrote:When did you apply for SSL?
As per Alliant, my SSL opened on 7/05... Initially due date was 7/20, which has been moved to a year later after reducing tge loan amount. I was expecting a new account to show up on 8/01. . DIdnt happen.... And as of today, there is no alert; meaning no new account from Alliant.reorted.
Something may have gone wrong possibly?
When a creditor reports an account (or a changed balance on an existing account) each CRA takes a while to update to update its database. That's true whether it is a loan by Alliant, a credit card from Amex, whatever. It typically takes 2-5 business days. Then, after a CRA's database is updated, it can take a day or two for a credit monitoring system to detect the change and send you an alert.
Often there is a week difference between the creditor reporting the account and a person receiving an alert about it. If you haven't seen anything by Wed noon (Aug 9) then something strange might be going on.
CGD - Thanks.
Now I got new alerts and updated fico scores today
Roughly about 25-30 increase on both EQ ang TU, despite of 2 new accounts also reporting on the same day. EX has updated new accounts only.
If there is anyone wondering about SSL technique, I can tell you it really works.
Hi Jeffrey. So glad you had a good experience. So just to confirm, the Alliant loan has not yet appeared on your EX, right?