The Master Credit Score Mad Scientist Thread

[CIO]

Oops...wrong thread for Credit Sesame score.

Edited April 12, 2012 by CIO

[BobWang]

2012-02-19 Walmart TransUnion FICO 08 679

2012-03-10 Walmart TransUnion FICO 08 686

2012-04-12 Walmart TransUnion FICO 08 696

[BobWang]

2012-02-19 Walmart TransUnion FICO 08 679

2012-03-10 Walmart TransUnion FICO 08 686

2012-04-12 Walmart TransUnion FICO 08 696

2012-01-03 Credit Sesame Experian National Equivalency Score (NES) 669

2012-02-06 Credit Sesame Experian National Equivalency Score (NES) 725

2012-03-06 Credit Sesame Experian National Equivalency Score (NES) 761

2012-04-03 Credit Sesame Experian National Equivalency Score (NES) 756

[Crashem]

Nice. Time to get her a JLOC for installment loan or do you think student loan is doing the trick?

 

 

[BobWang]

Nice. Time to get her a JLOC for installment loan or do you think student loan is doing the trick?

The student loan is absolutely killing her score.

 

If I were nice, I'd pay it off for her.

 

BUT, I've given her many times that already.

[Kyva]

That's awesome, I added a new us citizen (dual citizen from Canada) with no credit file to my capital one cards (2) his San was issued back in aug of 2011, both cards pooped on like 3 days later, a month later I walked him into nfcu ( his father is a retired US Army) but has chosen to live in Canada since the 70's, so Navy gave the approval to join, and knew that he was a dual citizen (I told them just as a heads up, ssn was just issued, and it looked weird lol) and they knew I added him as an AU on both cap cards, and poof he got the auto loan he wanted, and he was issued a LOC and a go rewards card for 5k..

His Ex Fico was 699His EQ Fico (no score yet)His TU Fico (no score yet)

I suspect the reason he has no scores is because the fact his ssn was just issued, and he was required to get a statement from SSA stating that he was legit lol, which worked!

So keep up with experiments Bob, I love reading these kinda things lol, which is awesome btw!

 

How did you request a statement from SSA to prove that the SSN is legit? Did you do it via phone?

 

I was asked by penfed to do the same thing and has been too lazy...

[BobWang]

PSECU this song

Doo-da, Doo-da

PSECU we belong

Oh, de doo-da day

 

Goin' to app all night

Goin' to app all day

I bet my money on a bob-veiled gag

Somebody bet on the prey

[CIO]

PSECU this song

Doo-da, Doo-da

PSECU we belong

Oh, de doo-da day

 

Goin' to app all night

Goin' to app all day

I bet my money on a bob-veiled gag

Somebody bet on the prey

 

:cry2: The redneck in me is touched.

[BDK]

PSECU this song

Doo-da, Doo-da

PSECU we belong

Oh, de doo-da day

 

Goin' to app all night

Goin' to app all day

I bet my money on a bob-veiled gag

Somebody bet on the prey

 

[BobWang]

[CIO]

The credit crowd at myfico says the WalMart TU FICO is 08, but the PSECU EX FICO is 04. It'll be interesting if you can confirm the PSECU FICO through your ES.

 

By the way, did your credit file hit 30 years in January? That could account for some of the leap in EX's FICO score.

Edited April 13, 2012 by CIO

[BobWang]

The credit crowd at myfico says the WalMart TU FICO is 08, but the PSECU EX FICO is 04. It'll be interesting if you can confirm the PSECU FICO through your ES.

 

By the way, did your credit file hit 30 years in January? That could account for some of the leap in EX's FICO score.

I'm leaning towards FICO 04 for PSECU too.

 

Because I got dinged for 5 accounts with balances by Wally, but not PSECU.

 

Yes, once she gets her first PSECU FICO, we'll be able to tell easily.

 

Hit 30 years in March, 2012.

[CIO]

The credit crowd at myfico says the WalMart TU FICO is 08, but the PSECU EX FICO is 04. It'll be interesting if you can confirm the PSECU FICO through your ES.

 

By the way, did your credit file hit 30 years in January? That could account for some of the leap in EX's FICO score.

I'm leaning towards FICO 04 for PSECU too.

 

Because I got dinged for 5 accounts with balances by Wally, but not PSECU.

 

Yes, once she gets her first PSECU FICO, we'll be able to tell easily.

 

Hit 30 years in March, 2012.

 

Well, that sort of blows their theory of a bump in FICO at the 30 year length of history mark.

[BobWang]

ES tried to redeem TY points on her Citi Forward ONLY account for the next day, NO GO.

 

Logged into my Citi Premier account, and was able to do it.

[BobWang]

For a hotel reservation.

[BobWang]

As an FYI:

 

When she applied to PSECU, she had put down her own mobile phone number as the contact number.

 

She had called a few times from her mobile phone to check on her application, always told they're still working on it.

 

The last time she called, on Monday, I had her call from my land-line home phone.

 

President and CEO of PSECU left a pre-recorded welcoming message on my home phone today.

[CIO]

As an FYI:

 

When she applied to PSECU, she had put down her own mobile phone number as the contact number.

 

She had called a few times from her mobile phone to check on her application, always told they're still working on it.

 

The last time she called, on Monday, I had her call from my land-line home phone.

 

President and CEO of PSECU left a pre-recorded welcoming message on my home phone today.

 

Interesting. Makes one wonder if that was why they scrutinized her app a bit more. These suspicious CUs are a pain.

[BobWang]

Interesting. Makes one wonder if that was why they scrutinized her app a bit more. These suspicious CUs are a pain.

They seem to think we're trying to be sneaky or something.

[BobWang]

2012-01-03 TransRisk 653, Auto 773, VantageScore 588 [F]

2012-01-10 TransRisk 653, Auto 773, VantageScore 588 [F]

2012-01-17 TransRisk 653, Auto 773, VantageScore 588 [F]

2012-01-27 TransRisk 653, Auto 818, VantageScore 588 [F] (12 yr-old AU account reports)

2012-02-06 TransRisk 653, Auto 818, VantageScore 589 [F]

2012-02-15 TransRisk 660, Auto 818, VantageScore 712 [C] (1st CC, Walmart $0.00 of $1.2k store card reports)

2012-02-25 TransRisk 699, Auto 865, VantageScore 762 [C] (2nd CC, Citi $2 of $4,000 reports)

2012-03-01 TransRisk 699, Auto 865, VantageScore 763 [C]

2012-03-17 TransRisk 699, Auto 865, VantageScore 753 [C] (3rd CC, NFCU $2 of $0.5k reports)

2012-03-24 TransRisk 693, Auto 865, VantageScore 751 [C] (2nd CC, Citi $2 to $36 of $4,000)

2012-04-03 TransRisk 693, Auto 865, VantageScore 753 [C] (1st CC, Walmart $2.00 of $1.2k store card reports) (3 of 3 cards with balances)

2012-04-14 TransRisk 699, Auto 865, VantageScore 753 [C] (3rd CC, NFCU $0 of $0.5k reports) (2 of 3 cards with balances)

[johnnyderp]

My little sis has also heard nothing but the whole "credit cards are evil" spiel until now. I'm working on building her credit file. So far she financed and paid for a car, but it was some random car lot who refuses to report to EX and EQ, so only her TU report had anything on it.

 

I added her to a 10 year old Express store card, a 7ish year old Victoria's Secret store card (just my two oldest) and a BofA Visa 3.5 years old. The store cards still haven't reported and it's been about 2 months. The BofA card reported in only a couple weeks. Should I send her to Walmart with just BofA or maybe try making a purchase on the store cards to get them to report?

 

I'm also wondering if Walmart should be the first app, or if I should expect that they use FICO 08 in which case the AU-only situation might not help her? I almost wonder if she should try apping over the phone with Walmart and/or NFCU to request TU be pulled since it's the only one reporting her auto loan.

 

Any advice is much appreciated. I'm mailing the BofA card to her tomorrow and looking forward to the results.

 

 

2012-04-14 TransRisk 694, Auto 817, VantageScore 691 CreditSesame: 778 ($0 balance on only CC)

Edited April 15, 2012 by johnnyderp

[BobWang]

First, see if she has a credit score.

 

IOW, sign her up for Credit Sesame & Credit Karma.

 

If they can't generate a score, she'll have to wait to apply for major credit cards,.

 

I like Walmart BECAUSE they give a FICO 08, and they're geared to lower credit profiles.

[BobWang]

This thread, like all my Master Threads, is intended for everybody to contribute.

 

Much easier to read about different experiences in one thread, than searching for dozens or hundreds of other threads.

[kfupanda]

First, see if she has a credit score.

 

IOW, sign her up for Credit Sesame & Credit Karma.

 

If they can't generate a score, she'll have to wait to apply for major credit cards,.

 

I like Walmart BECAUSE they give a FICO 08, and they're geared to lower credit profiles.

 

I added a friend as au to one of my cards, it reported 3 days ago on all bureaus. It is tge only TL reporting.

 

Credit sesame gives a score 758. But credit karma says thin file no score. She has inqs between EQ and TU from Feb.

 

Can you advise what the next move ahould be?

[BobWang]

First, see if she has a credit score.

 

IOW, sign her up for Credit Sesame & Credit Karma.

 

If they can't generate a score, she'll have to wait to apply for major credit cards,.

 

I like Walmart BECAUSE they give a FICO 08, and they're geared to lower credit profiles.

 

I added a friend as au to one of my cards, it reported 3 days ago on all bureaus. It is tge only TL reporting.

 

Credit sesame gives a score 758. But credit karma says thin file no score. She has inqs between EQ and TU from Feb.

 

Can you advise what the next move ahould be?

That means Experian has enough info to generate a score, but TransUnion does not.

 

If you go to myFICO.com, you can test whether Equifax has enough info to generate a score.

 

Just remember that if she signs up for any myFICO free trials that will likely put her on the C* list.

 

Just buying an Equifax score is not considered a risk factor for C*

[Occam]

I'm also wondering if Walmart should be the first app, or if I should expect that they use FICO 08 in which case the AU-only situation might not help her? I almost wonder if she should try apping over the phone with Walmart and/or NFCU to request TU be pulled since it's the only one reporting her auto loan.

 

GE (for Walmart etc) always pulls TU in my part of the world.

 

A few people have said they pulled EQ though, so check the credit pulls DB for her state. Look for everything under GECRB or GEMB (Walmart, Lowe's, JCPenney, Amazon store etc - there are lots of them).

 

There was also a hypothesis presented that applying through the CKarma links MIGHT increase the chances of TU being pulled.

 

Walmart is super easy to get, gives CLIs every 4 months, and is a card she'll want to keep (for the FICO). It's a much better option than a throw-away toy starter card, IMO.