No change to my score. However, even though it has a report date of 12/5 the information is all the same from last month. I opened 2 new accounts and paid a bit on my current CCs. None of this is reflected in my report.
Credit Sesame updates
Started by
MagicianCard
, Nov 02 2011 10:37 PM
55 replies to this topic
#51
Posted 06 December 2011 - 07:44 PM
#52
Posted 06 December 2011 - 10:02 PM
They crack me up
Key Factors that Impact Your Score
The factors below are listed in order of importance, from those with the greatest to those with the least impact on your credit score.
Amounts Owed on Credit Cards Category: Indebtedness Your credit card balances may be getting close to your credit limits. The amount you owe on your credit cards versus the amount of credit you have available has a big impact on your credit score.
Yeah, that whopping LESS THAN 1% UTILIZATION is getting close enough to sneak up and bite me in the a$$ if I'm not careful.
Key Factors that Impact Your Score
The factors below are listed in order of importance, from those with the greatest to those with the least impact on your credit score.
Amounts Owed on Credit Cards Category: Indebtedness Your credit card balances may be getting close to your credit limits. The amount you owe on your credit cards versus the amount of credit you have available has a big impact on your credit score.
Yeah, that whopping LESS THAN 1% UTILIZATION is getting close enough to sneak up and bite me in the a$$ if I'm not careful.
Edited by Gaby10, 06 December 2011 - 10:03 PM.
#53
Posted 06 December 2011 - 10:05 PM
2 up to 750, but they also re-used last month's despite that it claims to be updated and I can verify EX soft on 12/2
#54
Posted 06 December 2011 - 10:30 PM
Down 1 point. Bah.
#55
Posted 07 December 2011 - 06:42 PM
I sent an email to Credit Sesame asking about my information being the same from last month. They sent a very nice response:
"We do update your credit score every month. Your liability data, however, is updated every other month. Your score is however based on the most recent liability data on record with Experian. We just don't receive the updated data. I did have our engineering team check to make sure that your score did get updated for December. Although unusual, the exact same credit score does happen from time to time. Thanks for using Credit Sesame."
For a site that is free, I wasn't expecting such a detailed answer and I appreciate the information.
"We do update your credit score every month. Your liability data, however, is updated every other month. Your score is however based on the most recent liability data on record with Experian. We just don't receive the updated data. I did have our engineering team check to make sure that your score did get updated for December. Although unusual, the exact same credit score does happen from time to time. Thanks for using Credit Sesame."
For a site that is free, I wasn't expecting such a detailed answer and I appreciate the information.
#56
Posted 07 December 2011 - 07:56 PM
615 - up ONE point! LOL
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