The Master Credit Score Mad Scientist Thread

[MannyLNJ]

Bob are you running a match making service? I am single in New Jersey and gainfully employed.

 

;-)

[BobWang]

I just match Primaries and AUs.

[BobWang]

Before ES2 deployed, they asked me what I thought of them getting married.
I told them they were too young, if they held off for a couple of years, I’d contribute to a big wedding.

ES2 was having me monitor his CCs and Navy Federal accounts while he was deployed.
After he deployed, I saw a $2k charge from Jared, license fee from the County Clerk’s office.

I may be slow, but I AIN’T blind.

[tifozi]

 

I snooped on wife's friend/AU expenses one time and heard an earful. Changed passwords and everything

[MannyLNJ]

I just match Primaries and AUs.

Darn that would make a great master threadArrange marriage based on fico and Amex dates

[patz2009]

 

 

I just match Primaries and AUs.

Darn that would make a great master threadArrange marriage based on fico and Amex dates

http://creditboards.com/forums/index.php?showtopic=493772

[PhoenixDown]

Going to experiment on two of my sisters. One needs to have a few items removed or worked around. The other is a clean slate but young. Going to have to think about this and circle back with the game plan / results.

[BobWang]

[BobWang]

Bob, any experiences from your test subjects?

 

VS and TR seem to ignore AU accounts,

 

but I think most of my AUs did get some kind of bump on FICOs.

[hegemony]

would love BobWang's and others' input and predictions in this thread:

 

http://creditboards.com/forums/index.php?showtopic=522428

[BobWang]

http://creditboards.com/forums/index.php?showtopic=497484&page=12&do=findComment&comment=4955540

[BobWang]

She should be able to get pretty much any credit card she wants.

 

Having that M.D. behind her name opens up a LOT of credit possibilities.

[BobWang]

 

She should be able to get pretty much any credit card she wants.

 

Having that M.D. behind her name opens up a LOT of credit possibilities.

 

But credit card applications don't have a place to specify that she's an MD, right? How would that work?

 

 

She applies as Samantha Jones, M.D.

[BobWang]

aka ES3

[Youngdoc]

 

 

She should be able to get pretty much any credit card she wants.

 

Having that M.D. behind her name opens up a LOT of credit possibilities.

 

But credit card applications don't have a place to specify that she's an MD, right? How would that work?

 

 

She applies as Samantha Jones, M.D.

 

 

Hi,

 

If you still need a test subject, I am the aforementioned Dr Girlfriend with no credit knowledge, minimal credit history and no credit cards. (We don't learn this in med school). I want to build my credit as fast as possible. Where do I start?

 

I have a pdf document (anonymized) with my credit scores and reports from all 3 bureaus; how can I get this information to you?

 

Thanks

[BobWang]

I think our next victim subject is joining CB.

[gozu]

While waiting for her comment to get moderator approved, here is some starting info:

 

Her scores are as follow:

Transunion: 631
Experian: 607
Equifax: 603

[BobWang]

1) Get real FICOs

 

http://creditboards.com/forums/index.php?showtopic=519290&page=3&do=findComment&comment=5000635

[BobWang]

If those are FICOs,

 

where they were obtained,

 

and which model.

[BobWang]

ES3, if you've removed all personal info from your reports,

 

go ahead and post them here.

 

This is going to be an educational experience for hundreds,

 

if not thousands.

[gozu]

If those are FICOs,

 

where they were obtained,

 

and which model.

They are FICOs (as far as I can tell). They were obtained through a credit monitoring service she's had since 2011 (IdentityProtector, part of CPP) for which she was paying $15/month.

[BobWang]

FIRST LESSON

 

THOSE ARE

 

[gozu]

Ok, uploaded it to mediafire (imgur degraded the pdf quality so much it was unreadable): http://www.mediafire.com/view/8zgtqs4ac1iqa3b/CR0414.pdf

[BobWang]

You may want to remove that document,

 

since I think it shows school location.

[gozu]

FIRST LESSON

 

THOSE ARE FAKO

 

She has no accounts on any of the companies. She could open one or more of the credit cards that come with a FICO score if you think it's a good fit anyways (2 birds, one stone). She's ok with paying for them (she's rather do that than open checking accounts because of time constraints).

You may want to remove that document,

 

since I think it shows school location.

 

She doesn't care. She's not in school anymore.