I am short 11 points on my FICO MORTAGE Score and ......

[Anonymous]

I thought the consensus was Discover because they will report balance to all 3 CB if I call and request it?

Thanks for posting 

J

[Anonymous]

CLARIFICATION ON WHICH PRODUCT TO BUY FOR MY FICO SCORES PLEASE POST OPINIONS

I would like to be able to check my fico score daily and not have it report hard inquiry or too many inquiries 

Can you please tell me which is the best credit mitoring product for this ?

I would like to make a purchase today 

Thanks 

J

[NYC_Fella]

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@Anonymous wrote:

they did try this and said "any changes you make would hurt you"  because of the time constraint 

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No idea what you are talking about; might be good to figure out how to use the Quote function so we can tell what you are responding to.

[NYC_Fella]

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@Anonymous wrote:

CLARIFICATION ON WHICH PRODUCT TO BUY FOR MY FICO SCORES PLEASE POST OPINIONS

I would like to be able to check my fico score daily and not have it report hard inquiry or too many inquiries 

Can you please tell me which is the best credit mitoring product for this ?

I would like to make a purchase today 

Thanks 

J

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I use the Experian monitoring service which costs about $28/month. You can run the Experian FICO report as often as you like. And once a month you can run all 3 reports (Experian, Equifax, and TransUnion). As mentioned before, checking your own score doesn't count as an inquiry.

[NYC_Fella]

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@Anonymous wrote:

I thought the consensus was Discover because they will report balance to all 3 CB if I call and request it?

Thanks for posting 

J

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That seems to be the consensus. I have no personal experience with doing it. However, if the statement closing date is within the next few days, you don't need to do anything.

[NYC_Fella]

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@Anonymous wrote:

that was my next question only one card show a 20 $ balance ?

as of this monrning 

Discover 20$ balance from a gas charge friday ( today i am going to call Discover and ask them to post this to THE 3 credit buraeus  , correct ?)

 1000$ limit 

BOA - ZERO BALANCE ON 300 LIMIT (I NEVER CHARGED ANYTHING ON THIS YET JUST GOT IT 2 WEEKS AGO

SHOULD i CHARGE SOMETHING SMALL ON THIS ?

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Forgive me for being blunt, but you are all over the place. It will waste much less time (yours and everyone else's) if you consolidate all your questions into one post and also read all the responses carefully. Again, as mentioned before, the best way is to have ONLY ONE CARD show a balance. So no, you should not charge something on the BofA card.

[LawStudentCivilis]

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@NYC_Fella wrote:

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@Anonymous wrote:

that was my next question only one card show a 20 $ balance ?

as of this monrning 

Discover 20$ balance from a gas charge friday ( today i am going to call Discover and ask them to post this to THE 3 credit buraeus  , correct ?)

 1000$ limit 

BOA - ZERO BALANCE ON 300 LIMIT (I NEVER CHARGED ANYTHING ON THIS YET JUST GOT IT 2 WEEKS AGO

SHOULD i CHARGE SOMETHING SMALL ON THIS ?

---

Forgive me for being blunt, but you are all over the place. It will waste much less time (yours and everyone else's) if you consolidate all your questions into one post and also read all the responses carefully. Again, as mentioned before, the best way is to have ONLY ONE CARD show a balance. So no, you should not charge something on the BofA card.

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@AnonymousI second what is written above by @NYC_Fella .  Just take your time and carefully read through the responses you have already received on this thread.  Many of your questions have been answered.  If you are unclear on any advice given, please type up and number your questions in a single post. You have received great advice that could potentially give you the 11 points you need in a short amount of time.

[Anonymous]

LSC -  understood about the multiple posts,  sorry for the lack of forum exp/etiquette 

Please recommend a product to buy to check for daily changes to my FICO score without causing (multiple or hard inquiries) 

I called DIscover and they knew exactly what I needed and "reported the 20$ charge to my 3CB"

Thanks Again Everyone 

J 

[NYC_Fella]

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@Anonymous wrote:

LSC -  understood about the multiple posts,  sorry for the lack of forum exp/etiquette 

Please recommend a product to buy to check for daily changes to my FICO score without causing (multiple or hard inquiries) 

I called DIscover and they knew exactly what I needed and "reported the 20$ charge to my 3CB"

Thanks Again Everyone 

J 

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No worries, we've all been there.

Your question about monitoring changes was already answered upthread. As I said, I use the Experian monitoring service on which you can check your Experian report every day and the other two once a month. If you want to check all 3 reports daily (huge overkill IMO), it will cost you $60/day. The Experian monitoring service will cost less than $30/month.

Good to hear about Discover. Once you buy the monitoring product (wait a day or two for the update to post), check to make sure that all your cards except Discover are reporting zero balances.

Please do report back and let us know if you gained those 11 points! Good luck.

[LawStudentCivilis]

OP checking your score will not result in a hard inquiry.  Give it a few days for Discover to report the updated balance before you pull your reports.  If you want to see all three mortgage scores, I recommend pulling the $30 package here on myfico.  It will not give you a daily update though.  Otherwise I do agree Experian provides a good service.  However, as far as I am aware their service only shows the mortgage score for Experian, but gives you your FICO8 for all three credit bureaus.

Either way, please do update us to let us know whether you were able to get the needed 11 points.  I hope everything works out in your favor. Good luck!