Okay, I usually pay down all my cards to $0 each month, a few days after the first. Cap One reported the OLD balance on the 16th. No wonder my credit score isn't going anywhere, despite a pattern of such responsibility for over a year now!!! I'm pretty well fed up with the creative date-moving, crediting payments whenever, and etc.
Starting Score: 550 Current Score: 673 EQ, 681 TU, 650 EX Goal Score: 720 Update April 1: TU 615/EQ624 Update June 28: TU 641/EQ 626 Update Sept 21: TU 681, EQ 673, EX 650 (FAKO) I FINALLY got that car at the rate I wanted! Thanks, FICO Forums!
In December, Discover updated twice, once on the 18th, which it always does, and then inexplicably on the 28th. $0 balance on the 18th, $731 (5% util) on the 28th. I called 2 weeks ago and asked ever-so-politely WTH, and they were baffled. I just got a letter from them the other day, and they still don't know what happened, but they updated all three CRS's again, and they somehow even got TU to report.
Good heavens, good customer service!!!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
TU Updating is weird. I have TrueCredit.com as well as MyFico. TC showed three new accounts over the course of about two weeks, MyFico, even when I paid to update, has not shown anything but the first. Not sure how that works, since it is the same CRA>..