Shane

I pulled my FICO scores today for the first time in almost a year. Under certain accounts, it shows late payments for one CRA but not for the others. One or Two CRAs will show OK for payments but the 2nd or 3rd will show a 30 day late. How can this be? Isnt the same data sent to each CRA?

File is thick No FCRA anything I am still lost as to why they said that.

I joined PENFED a week or so ago and today I got a letter form them saying they were putting restrictions on my account due to: No credit file/activity. I searched for that term but I came up empty. They used EQ and my current EQ FICO 8 score is 601. My scores are creeping up slowly. 5 day hold for all deposits 5 day hold of Share Certificates or IRAs ACH transfers not permitted, only direct deposit I joined PENFED just to get my feet wet. What does No credit file/activity mean?

I joined PENFED a few minutes ago. I do not see a link to click for my FICO score. How long before I can see my FICO score?

Through sites and my banks I can get EX (FICO 08), TU (FICO 08), and EQ (FICO 09). Is there any way to get free EQ (FICO 08)? Heck I will take any other free FICO scores.

I was looking up insane prices for the 2020 BMW 3 series when I saw a link for "Check your credit score" at the bottom of the main page. That link leads to "intelliprice.com" The fine print reads " The Equifax Credit Score is based on an Equifax Credit Score model and is not the same as scores used by third parties to assess your creditworthiness. " Does that mean its a FAKO score? They say you dont need your DoB or SSN to get your score. I am suspicious so I stopped at the first name, last name, email address page. The FAQ shows " The credit scores provided under the offers described here uses the Equifax Risk Score which is a proprietary credit model developed by Equifax. " Has anyone ever used this service?

I called Chase. They admitted they were having server errors. I called USAA. They admitted they had interface issues after a brief talk, the nice lady on the phone said I should work in their IT center.

EQ reported today and I lost 46 points.

Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score. myfico and their alerts suck... you should check with CCT, or some other place. I thought you had a late pay 12/2016 that dropped your scores? (per your siggy) I started paying attention to my credit (like a hawk) again in Dec 16, hence my sig. I checked my report with USAA and it was not updated but it did tell me that if I paid off my installment loans I would get a 34 point increase. OIC. Apparently, USAA also sucks ETA - This is the thread that made me think your late was recent... https://creditboards.com/forums/index.php?showtopic=581225 I guess NFCU released they screwed up because a month after that reported (reported as late) NFCU report that the account was in good standing and the late disappeared.

USAA - I tried to pay my CC bill but their payment system was down. Chase - Tried to change my password, it would never take. Finally, I thought it would take but nooooo the page refreshed a bunch of times and I was auto logged out. I tried to log in but Chase won't take any of my passwords. I am now locked out. Thanks for nothing USAA and Chase. Fix your stupid systems.

Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score. myfico and their alerts suck... you should check with CCT, or some other place. I thought you had a late pay 12/2016 that dropped your scores? (per your siggy) I started paying attention to my credit (like a hawk) again in Dec 16, hence my sig. I checked my report with USAA and it was not updated but it did tell me that if I paid off my installment loans I would get a 34 point increase.

Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score.

I will be able to use the cash I had used for the car payments to pay down my UTIL so I will see if I get the points back. It sucked because the yesterday I received a 5 point increase on EX and I thought things were looking up.

I read through the installment trick so I expected a 25-30 point drop. I have not seen where anyone lost as many points as I did. Maybe I lost that many because I paid off two loans.

None. So far this has only happened on EX. The loans were on all 3. Time will tell.