Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


DCU July 2020 FICO

Recommended Posts


Not really. They were late last year one month and a few years ago as well. Kind of like a girlfriend just wants to scare you once in a while... 

Share this post


Link to post
Share on other sites
Posted (edited)
On 8/1/2020 at 12:45 PM, cv91915 said:

tKe3RNP.gif

If I was some sort of weirdo, the ASMR aspects of this gif would make me both hungry and turned on (assuming the snail is over 18).   Luckily, I'm no weirdo.  {checks Postmates for escargot delivery}

Edited by Allkindabroke

Share this post


Link to post
Share on other sites

Just noticed that DCU has not updated the CC at the end of July the way they normally do.

 

Seems like this is part of a larger CRA glitch.

Share this post


Link to post
Share on other sites
2 hours ago, shifter said:

767 (0)

izkCvjZ.png

 

Wife: 740 (-53). 3 cards with balances, one at 85%, overall util 26%. FICO5 really doesn't like util!

9lxwj14.png

How many cards total?  Remember that ratio of cards and cards with balance is an element of utilization on some of the Fair Isaac models...but having one at 85% is definitely hurting/impacting.

Share this post


Link to post
Share on other sites
9 hours ago, centex said:

How many cards total?  Remember that ratio of cards and cards with balance is an element of utilization on some of the Fair Isaac models...but having one at 85% is definitely hurting/impacting.

Yeah 85% hurts a bit of course, but not maxed out. On FICO8, the hit is minimal. Only 4 open cards. Actually total util is probably much higher than previously stated as EQ has different accounts than EX where I got those numbers. Probably closer to 47% util.

Share this post


Link to post
Share on other sites
16 hours ago, shifter said:

Yeah 85% hurts a bit of course, but not maxed out. On FICO8, the hit is minimal. Only 4 open cards. Actually total util is probably much higher than previously stated as EQ has different accounts than EX where I got those numbers. Probably closer to 47% util.

Four open cards, three of which have a balance, can be a problem for some models...does not matter if the balance is a buck or maxed out.  Granted, maxed out has its OWN set of score flags...

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.





  • Member Statistics

    • Total Members
      179,035
    • Most Online
      2,046

    Newest Member
    EpoxyKing
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines