@mortimerwereback wrote:I hadn't considered signing up for another service since I have myFICO and a couple FAKOs through Navy, Chase, and Cap One, but that's a great tip, thank you. Esp if we can receive daily updates re: changes.
The score through the Credit Score Dashboard is a FAKO, but you have some credit cards with Navy, so you should also have access to EQ FICO 9. You might have to sign up and wait a few months, but it should be under Loans & Credit near your credit cards in the web interface. Or in the app, click on your card, More Details, and then it should be at the top. It's where I get one of my FICO 9s. Though it's not good for monitoring. Experian is the best choice because it gives a real FICO score, but it's only one bureau unless you pay extra. While the scores from Credit Karma aren't useful, it does give updates when there are significant changes on your credit report with the other two bureaus (EQ and TU).
@Anonymalous wrote:
@mortimerwereback wrote:I hadn't considered signing up for another service since I have myFICO and a couple FAKOs through Navy, Chase, and Cap One, but that's a great tip, thank you. Esp if we can receive daily updates re: changes.
The score through the Credit Score Dashboard is a FAKO, but you have some credit cards with Navy, so you should also have access to EQ FICO 9. You might have to sign up and wait a few months, but it should be under Loans & Credit near your credit cards in the web interface. Or in the app, click on your card, More Details, and then it should be at the top. It's where I get one of my FICO 9s. Though it's not good for monitoring. Experian is the best choice because it gives a real FICO score, but it's only one bureau unless you pay extra. While the scores from Credit Karma aren't useful, it does give updates when there are significant changes on your credit report with the other two bureaus (EQ and TU).
Thanks @Anonymalous Yup, I see the FICO 9 in Navy's app. I'm going to look into both. I like using the Experian interface but as you state, it's only one bureau or it costs more. I think Credit Karma could be useful for the data monitoring, but I'm curious what the consensus is regarding giving them your SSN and other info to handle. Or perhpas it's not biggie? As they're using it to pull your credit history.
@mortimerwereback wrote:I really hope that the small charge I put on my Navy MR clears before the 14th midnight. I put the charge around 1 am EST on the 12th. Else, I'm gonna see a -20pt drop again across my FICO 8s (if what I wrote above is how AZEO functions). Which is going to suck big time. Crossing fingers!
@mortimerwereback: Navy Fed updates transactions with batch processing starting about 11 PM Eastern Time Monday through Thursday nights, except on holidays. If your transaction is still listed as pending on Friday morning during regular banking hours, then the charge won't appear on your MoreRewards card until Tuesday, the 18th, at the earliest.
@USMC_Winger wrote:
@mortimerwereback wrote:I really hope that the small charge I put on my Navy MR clears before the 14th midnight. I put the charge around 1 am EST on the 12th. Else, I'm gonna see a -20pt drop again across my FICO 8s (if what I wrote above is how AZEO functions). Which is going to suck big time. Crossing fingers!
@mortimerwereback: Navy Fed updates transactions with batch processing starting about 11 PM Eastern Time Monday through Thursday nights, except on holidays. If your transaction is still listed as pending on Friday morning during regular banking hours, then the charge won't appear on your MoreRewards card until Tuesday, the 18th, at the earliest.
That's good info @USMC_Winger, thank you for sharing. I didn't know it was until 11 PM EST on Thursday. I'd always thought it was Friday, but I guess that makes sense as Friday leads into the weekend. I just checked my account and the charge is no longer pending. Whew.. I'll gladly take skipping the AZ penalty this month. 
)
@mortimerwereback wrote:I just checked my account and the charge is no longer pending. Whew.. I'll gladly take skipping the AZ penalty this month.
@mortimerwereback: That's good news!
Normally, all my CC balances are at $0, but if I'm getting close to the deadline for my statement date on my AZEO reporting CC, I shop at a Walmart Superstore on Monday through Thursday night after work, and the charge posts on my Navy Fed CC by the next morning, unless I shopped on a holiday.
@SouthJamaica wrote:Since some of your cards are credit union cards, I should point out that there have been some reports by forum members that a balance reported on a credit union card was not counted. Personally I'm skeptical of that, but it's probably safer to use a bank card as the reporting card.
My data on EX FICO 2 (mortgage score) is extremely concrete. DCU HELOC nor $500 limit CC counted for AZEO, no recent revolving activity and and expected all zeros drop. They aren't broken tradelines because they work on other FICO scores.
The newer models fortunately did away with that for the overwhelming majority of revolving tradelines, and realistically unless you are applying for a mortgage or a known EX FICO 2 puller (some CUs) I wouldn't worry about it... and that's if you're on the bubble anyway and not already gold-plated. I could go all zeros and it wouldn't matter in the slightest on my mortgage app but I'm sitting at $1 over a yuppie foodstamp ($21, yes idiosyncratic number) on a national bankcard and that's it because old habits die hard.
Most credit apps don't really matter although we're heading into a kinda squirrley time in the US credit market on a number of fronts, but a possible tier change on a mortgage when we may well be stuck with current interest rates for a while... get as pretty as possible and don't leave things to change with any possible CU wonkiness on any score imo.
@Revelate wrote:
@SouthJamaica wrote:Since some of your cards are credit union cards, I should point out that there have been some reports by forum members that a balance reported on a credit union card was not counted. Personally I'm skeptical of that, but it's probably safer to use a bank card as the reporting card.
My data on EX FICO 2 (mortgage score) is extremely concrete. DCU HELOC nor $500 limit CC counted for AZEO, no recent revolving activity and and expected all zeros drop. They aren't broken tradelines because they work on other FICO scores.
The newer models fortunately did away with that for the overwhelming majority of revolving tradelines, and realistically unless you are applying for a mortgage or a known EX FICO 2 puller (some CUs) I wouldn't worry about it... and that's if you're on the bubble anyway and not already gold-plated. I could go all zeros and it wouldn't matter in the slightest on my mortgage app but I'm sitting at $1 over a yuppie foodstamp ($21, yes idiosyncratic number) on a national bankcard and that's it because old habits die hard.
Most credit apps don't really matter although we're heading into a kinda squirrley time in the US credit market on a number of fronts, but a possible tier change on a mortgage when we may well be stuck with current interest rates for a while... get as pretty as possible and don't leave things to change with any possible CU wonkiness on any score imo.
Thanks for clarifying that.
@Revelate wrote:
@SouthJamaica wrote:My data on EX FICO 2 (mortgage score) is extremely concrete. nor $500 limit CC counted for AZEO, no recent revolving activity and and expected all zeros drop. They aren't broken tradelines because they work on other FICO scores.
*looks down at $500 Cap1 AZEO card*
*welp*
ty for DP
I have more serious reason codes, so I never would have seen that
is $1000 enough?
