What time zone do Equifax and TransUnion use for updating profile information on the 1st of the month?
I know Experian updates at Midnight in the Pacific time zone, but I don't recall reading about EQ/TU updates.
I'm adding the code to update aging metrics automatically on the 1st of the month and for now I just set it to what Experian uses.
Level30Last INQWednesday, March 2, 2022Gardening For2 years, 6 months, 14 days, 13 hours, and 14 minutesNext Level in15 days, 10 hours, and 46 minutes on October 2ndINQ 1yr onThursday, March 2, 2023INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 14 minutes agoINQ 2yr onSaturday, March 2, 2024INQ 2yr reached6 months, 14 days, 13 hours, and 14 minutes ago
To be honest I don’t know what the average is, as not many people report on that because many don’t get that score daily. I guess the exception would be EX2.
Rebels: call in your AZ loss for EX2 versus EX8 please.
BrutalBodyShots has been gardening for over 2 years. BrutalBodyShots has achieved the Garden Goal !!
Level27Last INQMonday, May 23, 2022Gardening For2 years, 3 months, 24 days, 13 hours, and 14 minutesNext Level in6 days, 10 hours, and 46 minutes on September 23rdINQ 1yr onTuesday, May 23, 2023INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, May 23, 2024INQ 2yr reached3 months, 24 days, 13 hours, and 14 minutes agoGoal24 monthsGoal DateThursday, May 23, 2024Goal Achieved3 months, 24 days, 13 hours, and 14 minutes ago
I may need to find another source of EX2 when the time comes. The last 2 subscriptions I've tried to start at MF have asked for me to upload a picture ID for verification. Not sure what that's all about, so I haven't done it. Perhaps my ride of 28 free Fico scores whenever I want has come to an end...
The card I have on file with them though is the Citi card that I'm having suffix issues with that isn't reporting and such, so it wouldn't surprise me that this is the problem.
GApeachy has passed the 12 month threshold! No scorable inquiries on file!
Level13Last INQMonday, August 7, 2023Gardening For1 year, 1 month, 9 days, 13 hours, and 14 minutesNext Level in20 days, 10 hours, and 46 minutes on October 7thINQ 1yr onWednesday, August 7, 2024INQ 1yr reached1 month, 9 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, August 7, 2025INQ 2yr in10 months, 21 days, 10 hours, and 46 minutesGoal24 monthsGoal DateThursday, August 7, 2025Goal In10 months, 21 days, 10 hours, and 46 minutes
@BrutalBodyShots dh has had to upload his dl's to mf before. We sent it in and he got his reports pronto. But yeah, we've done it. It was in 2019 iirc.
BrutalBodyShots has been gardening for over 2 years. BrutalBodyShots has achieved the Garden Goal !!
Level27Last INQMonday, May 23, 2022Gardening For2 years, 3 months, 24 days, 13 hours, and 14 minutesNext Level in6 days, 10 hours, and 46 minutes on September 23rdINQ 1yr onTuesday, May 23, 2023INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, May 23, 2024INQ 2yr reached3 months, 24 days, 13 hours, and 14 minutes agoGoal24 monthsGoal DateThursday, May 23, 2024Goal Achieved3 months, 24 days, 13 hours, and 14 minutes ago
@GApeachy was that the first time he used their service? If so, I get it. If not, do you know what prompted the verification?
I just find it odd as I've used subscriptions many times over several years and have never had to upload a picture ID. The CC on file has always been the same and as far as I know nothing else has changed, so it's just a mystery to me as to why they'd suddenly ask.
The only other thing that has changed in the last couple of months was that I killed my forum account, but from what I've always been told the forum has no connection at all to the MF product.
GApeachy has passed the 12 month threshold! No scorable inquiries on file!
Level13Last INQMonday, August 7, 2023Gardening For1 year, 1 month, 9 days, 13 hours, and 14 minutesNext Level in20 days, 10 hours, and 46 minutes on October 7thINQ 1yr onWednesday, August 7, 2024INQ 1yr reached1 month, 9 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, August 7, 2025INQ 2yr in10 months, 21 days, 10 hours, and 46 minutesGoal24 monthsGoal DateThursday, August 7, 2025Goal In10 months, 21 days, 10 hours, and 46 minutes
No, not the first time. What had happened as far as time frame was he had a subscription. Then I cancelled it. A few months later I tried to resubscribe and they needed his id verification. Nothing stood out to make them not trust it was him though.
BrutalBodyShots has been gardening for over 2 years. BrutalBodyShots has achieved the Garden Goal !!
Level27Last INQMonday, May 23, 2022Gardening For2 years, 3 months, 24 days, 13 hours, and 14 minutesNext Level in6 days, 10 hours, and 46 minutes on September 23rdINQ 1yr onTuesday, May 23, 2023INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, May 23, 2024INQ 2yr reached3 months, 24 days, 13 hours, and 14 minutes agoGoal24 monthsGoal DateThursday, May 23, 2024Goal Achieved3 months, 24 days, 13 hours, and 14 minutes ago
Interesting.
You see, I've cancelled and subscribed probably 10+ times at this point without any verification prompt. I feel like something must have changed for this to be the case, I'm just not sure what.
Level55Last INQFriday, February 14, 2020Gardening For4 years, 7 months, 2 days, 13 hours, and 14 minutesNext Level in27 days, 10 hours, and 46 minutes on October 14thINQ 1yr onSunday, February 14, 2021INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 14 minutes agoINQ 2yr onMonday, February 14, 2022INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 14 minutes ago
@BrutalBodyShots : I was paying $39.95 a month for FICO Premier from December 31, 2017 to May 2021 (my last monthly 3B and when I deleted my MF account).
During that time I had the subscription active, I tried to buy a one-off TU 1B report to see TU4 changes after adding my 3rd card. I had recently frozen all 3 CRA files.
They requested a picture of my driver's license! I think it might have to do with a CRA requirement rather than myFICO. Like they make myFICO request it or something.
BrutalBodyShots has been gardening for over 2 years. BrutalBodyShots has achieved the Garden Goal !!
Level27Last INQMonday, May 23, 2022Gardening For2 years, 3 months, 24 days, 13 hours, and 14 minutesNext Level in6 days, 10 hours, and 46 minutes on September 23rdINQ 1yr onTuesday, May 23, 2023INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, May 23, 2024INQ 2yr reached3 months, 24 days, 13 hours, and 14 minutes agoGoal24 monthsGoal DateThursday, May 23, 2024Goal Achieved3 months, 24 days, 13 hours, and 14 minutes ago
Birdman wrote: ↑Wed Sep 01, 2021 6:50 pm
@BrutalBodyShots i’m tired of waiting on them to respond, how did you get it changed to anonymous?
I just used the contact email support@myfico.com and told them that's what I wanted. They had it done very quickly and sent email confirmation stating such.
BrutalBodyShots has been gardening for over 2 years. BrutalBodyShots has achieved the Garden Goal !!
Level27Last INQMonday, May 23, 2022Gardening For2 years, 3 months, 24 days, 13 hours, and 14 minutesNext Level in6 days, 10 hours, and 46 minutes on September 23rdINQ 1yr onTuesday, May 23, 2023INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 14 minutes agoINQ 2yr onThursday, May 23, 2024INQ 2yr reached3 months, 24 days, 13 hours, and 14 minutes agoGoal24 monthsGoal DateThursday, May 23, 2024Goal Achieved3 months, 24 days, 13 hours, and 14 minutes ago
Cassie wrote: ↑Wed Sep 01, 2021 7:18 pm
@BrutalBodyShots : I was paying $39.95 a month for FICO Premier from December 31, 2017 to May 2021 (my last monthly 3B and when I deleted my MF account).
During that time I had the subscription active, I tried to buy a one-off TU 1B report to see TU4 changes after adding my 3rd card. I had recently frozen all 3 CRA files.
They requested a picture of my driver's license! I think it might have to do with a CRA requirement rather than myFICO. Like they make myFICO request it or something.
This is good info above and now you've got me thinking... I think for the last 2 months I've had my reports frozen when trying to pull a 3B report, where previously I never did. Perhaps I should unfreeze my reports and try again...? This is definitely a variable that I introduced into the mix that I completely forgot about.
@DustinD no that’s what I was trying to say, Papa did not discover it, he didn’t understand the significance of it. It was I think between December 2019 and June 20 when we figured out the significance and there was a dead spot in that thread then and then I think Cassie found it and we went back to it.
He reported it but did not know the significance. As a matter of fact when we were discussing it in a thread, Cassie went searching and found that thread as evidence of previous examples of the score change at that threshold and then we continued that thread. Sheep adduced that thread as evidence in support of our conclusion of the threshold.
That may be right on EX2! Thank you for all effort!!
Birdman wrote: ↑Wed Sep 01, 2021 6:50 pm
@BrutalBodyShots i’m tired of waiting on them to respond, how did you get it changed to anonymous?
I just used the contact email support@myfico.com and told them that's what I wanted. They had it done very quickly and sent email confirmation stating such.
Thank you and remember you have to unfreeze for the first pull at MF.
Level33Last INQWednesday, December 1, 2021Gardening For2 years, 9 months, 15 days, 13 hours, and 14 minutesNext Level in14 days, 10 hours, and 46 minutes on October 1stINQ 1yr onThursday, December 1, 2022INQ 1yr reached1 year, 9 months, 15 days, 13 hours, and 14 minutes agoINQ 2yr onFriday, December 1, 2023INQ 2yr reached9 months, 15 days, 13 hours, and 14 minutes ago
Post was altered.
Last edited by DustinD on Wed Sep 01, 2021 11:45 pm, edited 5 times in total.
AZEO Data Points
EX2: -11pts AZ
Thick/Mature/New Account
AZEO EX2 T/M/NA: 779 Short acct, Seeking credit, Many New Accts, no 4th code listed in CCT July 24
AZ__ EX2 T/M/NA: 768 Short acct, Not Using Rev, Seeking credit, Many New Accts July 26
So -11 pts, no aging bonus on Aug 1st, +7pts with 'High' credit usage code because of a $187 balance at 9.8%individual, 1% aggregate usage.
AZEO 1/6 reporting: 775 Short acct, Seeking credit, Many New Accts, High credit usage ($187 or 9.842% of the cards limit) Aug 10
AZE2 2/6 reporting: 775 Short acct, Seeking credit, Many New Accts, High credit usage Aug 15
AZE3 3/6 reporting: 768 Short acct, Seeking credit, Many New Accts, Accts with bal Aug 17
AZE4 4/6 reporting: 763 Short acct, Accts with bal, Seeking credit, Many New Accts Aug 19
AZE5 5/6 reporting: 762 Short acct, Accts with bal, Seeking credit, Many New Accts Aug 22 & 31
Info from above:
Crossing the balance threshold costs me 4 pts for $187 and or 9.8%.
AZEO and AZE2 gave me the same score. (Might be % based because thick?) Do we know when AZE2 is allowed for EX2?
Going from 2 to 3 accounts costs 7 points, and thus my 'New accts' penalty and 'Seeking credit' penalties are = or > 7 but < or = 11 because AZEO to AZ cost me 11 points.
Going from 3 to 4 accounts costs an additional 5 points. (more than 50% penalty?)
EX8 -16pts AZ
AZEO EX8 Thick/Mature/New Rev 750 Loan Bal(~14%), Short acct History July 23 2021
AZ__ EX8 Thick/Mature/New Rev: 734 (-16 points) *same two codes* July 26 2021
I gained 3 pts from aging Aug 1st, then 16 more pts when I went AZEO again. Aug 11 2021
EX8 Dirty Mature CO, 2 bank cards 1 store card:
-14 pts AZEO bank card to AZ and -11 pts if the AZEO changes to a store card vs normal bank card AZEO. That happened twice with each time briefly AZEOing a store card and spending some time AZ before getting full exact points back. Going from AZE2 to AZEO gave me the same EX8 score.
697 AZEO BC > 686 SC > 683 AZ > 697 AZEO BC. 1-15-2020 to 1-28-2020
700 AZEO BC > 686 AZ > 689 SC > 700 AZE2 SC+BC. 7-25-2020 to 8-18-2020
EX2 Dirty Mature CO Didn't AZEO
AZE2 1-13-2020 711 BC $30 / 5%, SC $11 / ~0% Serious D, Short acct Hist, Loan Bal, Missed pay.
AZEO 1-18-2020 711 SC $107/ 5% *same codes* Treats SC AZEO same as AZE2.
AZEO 1-18-2020 711 BC $6 / 2% *same codes* Treats BC AZEO like AZE2.
Click images to enlarge them.
Score dataWas EX-695 EQ-685 TU-712 Now EX-793 EQ-795 TU-804 F2-797 when AZEO
Level55Last INQFriday, February 14, 2020Gardening For4 years, 7 months, 2 days, 13 hours, and 14 minutesNext Level in27 days, 10 hours, and 46 minutes on October 14thINQ 1yr onSunday, February 14, 2021INQ 1yr reached3 years, 7 months, 2 days, 13 hours, and 14 minutes agoINQ 2yr onMonday, February 14, 2022INQ 2yr reached2 years, 7 months, 2 days, 13 hours, and 14 minutes ago
Thanks @DustinD ! Your post made me double-check our current Primer to see if we included all those links from that thread.
We did: app.php/csp#References_Permalinks@BrutalBodyShots : There is a long thread about 'All Zero to AZEO' linked there as well. A bunch of people chimed in with their own point loss experiences on various score models. Mine was around -16 points, which was what most people experienced on the 8s.
