Disco is consistent on the closing date

Anonymous · ‎12-30-2019

and Amex, Citi and US Bank are not. Will do AZEO in the next 3 months to see how much it affects my score.

thornback · ‎12-30-2019

Yes, Amex, Citi, and US Bank (i guess - i don't have them so taking your word for it) are inconsistent but with both Amex and Citi you can see when your closing date will be each month -- so you'll just have to check at the beginning of each billing cycle to plan it out. It's nice that Disco is consistent like that --they don't make you work very hard .

Also - keep in mind - AZEO usually has a greater effect on mortgage scores than FICO 8/FICO 9 scores. Some may only see a couple of poins gained on FICO 8/9 but several points gained on their mortgage scores (making AZEO almost pointless unless they are actively seeking a mortgage). Others see good gains on all versions. Depends on the profile. Be sure to post your results along with your profile info because data points are always wanted...

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
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Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Trudy · ‎12-30-2019

USBank will always report last of the month regardless of due date, statement date/closing date.

FICO - 8: 05/05/23