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Frozen FICO Score

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Anonymous
Not applicable

Frozen FICO Score

My FICO score is frozen.  I am paying my bills on time, carrying zero balances on each of my credit cards each month, not taking on any new debt and yet my score has not changed.  Is there anything else I can do?

Message 1 of 7
6 REPLIES 6
laz98
Senior Contributor

Re: Frozen FICO Score

how long has it been "frozen"?

Message 2 of 7
AndySoCal
Senior Contributor

Re: Frozen FICO Score

When you make a purchase on credit card do you let the balance report ?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 3 of 7
Anonymous
Not applicable

Re: Frozen FICO Score

No I pay it in full before the close of the monthly statement.  From what I have been reading here on the Forums it just takes time and I need to be more patient. 

Message 4 of 7
haulingthescoreup
Moderator Emerita

Re: Frozen FICO Score

What are the negatives, in order, on screen two?

* 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
Message 5 of 7
vanillabean
Valued Contributor

Re: Frozen FICO Score

Aging set aside which monthly accounts for limited progress, it seems reasonable that if your input is the same every month, then the output will be too. The exception is when aging of lates and rebucketing hit certain milestones.

My credit history show no lates, so my scores are particularly frozen, except for new cards and other account changes as well as playing around with balance payments.

When balances are paid in full before the statement date, the 35% payment history of what makes up your credit score is at its best, as is the 30% debt.

If no accounts are opened or closed, the 10% new credit is at its best too; related is the 10% types of credit used. The remaining 15% length of credit history is aging.

Did I miss anything significant? Smiley Wink

There have been various posts in these forums which each indicate that the lessening effect of a given type of late increases your score at various given times. I don't think anyone has posted a single table outlining all types of lates, although it would probably be useful to many.

Message 6 of 7
AndySoCal
Senior Contributor

Re: Frozen FICO Score

Try letting a balance report a small one under 10% of your credit utilization. Also how old are your credit card accounts?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 7 of 7
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