Redundant2

Still down. My Citi FICO score isn't available either, but was able to pull a 3B report directly from FICO yesterday. Perhaps it's some algorhythm used by credit card providers to access FICO scores for their cardholders that is wonky?

United Bank of Missouri (UMB) recently changed the way they spell their name with the CRAs - they deleted a space. Kidding not. They went from UMoB to UMB (r something like that.) DH and I each have one CC with them. TU and EX are updating as usual, but EQ apparently wasn't clever enough to figure out that they are 7-year-old accounts and has the updates reporting as completely new accounts. Jeez, thanks EQ. Scores took a hit for new accounts AND the increased and inaccurate util. Figure they have to clue in at some point - not even going to try to correct them because they apparently will likely jack up the file even further. Glad I'm not apping anything new for the next few years.

Actually, I wonder if EQ is having issues because when one of my credit lines with UMB updated after the statement cut, EQ shows the new lower balance as a 2nd trade line instead of updating it on the previous tradeline. Hmm. I thought the issue was with the creditor, but perhaps it's EQ?

I'm very jealous of your $0.01 in cash returns earnings.

It was this thread started by hegemony in Jan 2009, titled, "Lower Your Utilization for the Cost of a Single TU Inquiry" that started the run, ubercat. https://creditboards.com/forums/index.php?showtopic=378696&hl=%20guide%20%20dogs Back in the day when a single TU inq meant nothing. Sigh.

It was in 2009. I was rebuilding and I just needed another card at the time. IIRC, I actually hoped it would report because I had a thin file back then.

You can post anything you dang well please, ubercat.

Anyone else get a Guide Dogs for the Blind card during the Junami-like run on UMB several years ago? Just did my daily pull and noticed that UMB updated on EQ with a duplicate entry after the statement cut. Anyone else notice this?

Finally got mine too.

Way to go on the refi! Your scores will bounce back, but most importantly - you're saving money and closer to owning your home. Very impressive!

DH got his FICO today - still haven't gotten mine yet. He opened his account 2 months before I opened mine... (eta: We both opened ours in 2008.)

Congrats - way to persevere!

Mine finally posted on Ex today, too. Statement cut the 11th. Had posted on TU and EQ last week. Usually TU is the last to update any account. 20 days to update? Weirdness.

I find that ironic, since Amex's Credit Secure is EX-based. Up through this last May, EX was always the first to update for AMEX.