Testing greater than 8.99% but less than 9.00%

[Anonymous]

Don’t count on that!!! Reported on me in 7 days!!

[Anonymous]

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@Anonymous wrote:
Don’t count on that!!! Reported on me in 7 days!!

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Oh that would be great. Next week, I have a $500 payment that I could put on it and pay down to $360 (9% of $4000 CL) right away.

Then I could compare that 3card/9/9/9/9 (individual and aggregate) with the current 2card/9/9/9 report.

[Anonymous]

I complained that it reported so quickly without even waiting a cycle and I think it was because I put charges on it before the cycle date as soon as I received it. So put the charge on ASAP and it will probably report ASAP. Just my experience.

[Anonymous]

But it won’t be a fair comparison because your scorecard will be reassigned upon it reporting.

[Anonymous]

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@Anonymous wrote:
But it won’t be a fair comparison because your scorecard will be reassigned upon it reporting.

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Yeah, there's that. Lots of good opportunities here to test AAoRA/AoYRA since they will be different.

When do you think that AMEX BCE will show up? April?

[Anonymous]

Typically two cycles for me three.

[Anonymous]

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@Revelate wrote:

The myFICO monitoring was a little hit or miss when I used it; while a 1B pull would indeed show the data refresh, there was something wrong with EX's notification of the dataset that myFICO is on and as a result myFICO started soft pulling every so often but I don't know what the trigger is of that.

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A data point on that...36 hours later. This is the kind of alert that leads to a post like "I lost 11pts for one inquiry, but the next one was free!".

It was -3pts for the AMEX inq followed by -8pts for the Discover.

[Anonymous]

The only good thing is we get 4 negative reason codes on TU, but only TU.

[Anonymous]

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@Anonymous wrote:
The only good thing is we get 4 negative reason codes on TU, but only TU.

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And only with the alerts. Don't trust that myFICO 3B report.

Below are from myFICO. 2/5/20 alert followed by the 3B on 2/10/20. Same F8 score and all accounts were updated at TU by the 5th - no changes.

[Anonymous]

That’s a very astute observation @Anonymous. I never thought about that. But I’ve seen it 1 million times. Thank you for calling it to my attention! Excellent tip!