When should I pull my scores?

laz98 · ‎09-30-2009

Kind of a "duh" newbie question...

I have a bunch of accounts hitting their one year anniversaries between 9/27 & 10/6. I know that the inquiries stop counting on pretty much the exact anniversary day, but when should I pull my scores, so that the scores will reflect the lower number of inquiries AND no more new accounts?

Just trying to avoid having to get scores say 10/10 & then 10/30 or so. This will hopefully be a significant change in my scores.

AndySoCal · ‎09-30-2009

I would wait until at least two weeks after the last one finishes its billing cycle. Ususally creditors update the bureau(s) after each accounts billing cycle.

Message Edited by AndySoCal on 09-30-2009 07:06 PM

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laz98 · ‎09-30-2009

i have to wait until each account gets updated then? fico wouldn't recognize that the accounts are 1 year old on its own? that sucks.

llecs · ‎10-01-2009

FICO rolls back the anniversary dates to the first of each month. If you have any anniversaries this month and there's a score change, then that change occurred today. Not sure about inquiries, though.

Most of my score changes have happened on the first of each month.

laz98 · ‎10-01-2009

well, my curiosity got the better of me. i just went ahead & pulled my scores. (i'm not very good at waiting!)

TU: 694

EQ: 652

no idea why my eq would go down........but i never really understand what makes my scores change!

on both reports it still said a negative factor was new credit.........weird!