The Master Credit Score Mad Scientist Thread

[BobWang]

Bob, did you dress up? Pics.

No, I was square like Brad.

[BobWang]

My girl at HBS was initiated before Christmas.

 

She said she hated it, because she couldn't hear any of the dialogue.

[Repairerer]

By girl, you mean your creation? Like in modern times? She could get the DVD.

[BobWang]

By girl, you mean your creation? Like in modern times? She could get the DVD.

Yeah, but she's squarer than I am.

[Repairerer]

Citi must know, they gave her $100 more than me.

[BobWang]

Citi must know, they gave her $100 more than me.

Different girls, the one at HBS will be making 6 figures come June.

[BobWang]

2012-01-03 1 Student Loan $3,500 bal = 1 acct AAOA 0.5 years

2012-01-03 TransRisk 653, Auto 773, VantageScore 588 (F)

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

 

2012-01-27 AU on 12 year-old BofA AmEx $5k limit = 2 accts AAOA 6 years

2012-01-27 TransRisk 653, Auto 818, VantageScore 588 (F)

2012-01-27 myFICO TU98 747

 

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

 

2010-02-10 Navy Federal cashRewards Visa $0.5k TU, no score given

2010-02-10 Walmart Store Card $1.2k GECRB 497 (300-620)

 

2012-02-15 Walmart Store Card $1.2k limit = 3 accts AAOA 4 years

2012-02-15 TransRisk 660, Auto 818, VantageScore 712 ©

 

2012-02-17 Citi Forward Visa $4k Experian 660 (250-900)

 

2012-02-17 Discover Student More denied Experian 660 (250-900)

2012-02-17 Discover Denial Reason #1: Number of Inquiries in the last 6 Months (2 inquiries) (5 total)

2012-02-17 Discover Denial Reason #2: Unsatisfactory Bank Revolving Trade (Walmart, AU BofA)

2012-02-17 Discover Denial Reason #3: High Utilization on Opened Accounts ($3.5k Student Loan)

 

Experian Inquiries:

2011-01-12 University Housing

2011-06-12 Sears

2011-07-01 University Housing

2011-08-11 Auto Loan Quote (Paying cash, Salesman pulled hard)

2012-02-17 Citi

 

2012-02-17 Walmart Store Card received

2012-02-17 NFCU Approval Letter, TU hard pull, no score

 

2012-02-19 Walmart TransUnion FICO 679 (No recent account activity, AU account not factored in)

 

2012-02-21 NFCU cashRewards Visa received

2012-02-21 AutoPay Statement Balance set up for NFCU

2012-02-21 Citi Approval Letter Experian 660 (250-900)

2012-02-21 $20 charged at Walmart on store card & NFCU Visa

2012-02-21 Mint.com can't download GECRB accounts

 

2012-02-23 Citi Forward Visa received, first charge $650.00 for 10,000 TY bonus

 

2012-02-24 Citi Forward AutoPay set up for PIF

2012-02-24 Walmart payment in-store of $5

 

2012-02-25 No Citi, Chase or Walmart payments via NFCU CheckFree

2012-02-25 Walmart online payment of $6

2012-02-25 TransRisk 699, Auto 865, VantageScore 762 ©

[Repairerer]

Citi and Discover use Experian there? Auggghh.

[BobWang]

Citi and Discover use Experian there? Auggghh.

Yeah, boo.

[BobWang]

I also didn't realize NFCU's BillPay was so sucky.

 

She closed her BofA account when she got into Navy.

 

I told her to ask BofA if they could re-open it.

 

Yes, but it would require another Experian hard inquiry.

[Repairerer]

USAA and Alliant are EQ...

[BobWang]

USAA and Alliant are EQ...

I'm gonna try to sneak her into PSECU first.

[BobWang]

THAT would be worth an Experian hard pull.

[MannyLNJ]

USAA and Alliant are EQ...

 

I love Alliant's Bill Pay

[Repairerer]

I haven't used their billpay much but I think I remember hearing it is pretty good.

 

I don't think they would freak out on recent EX inqs for membership.

 

They have no Chexsystems inq. Neither does USAA but Alliant does.

[BobWang]

I haven't used their billpay much but I think I remember hearing it is pretty good.

 

I don't think they would freak out on recent EX inqs for membership.

 

They have no Chexsystems inq. Neither does USAA but Alliant does.

Chex is not a problem.

 

She had been under the influence of the "Credit Cards are Evil" crowd.

[BobWang]

She's worried she'll get into trouble with that $4k Citi Forward.

 

She asked me:

 

"Do I have to pay interest on $4,000 even if I don't used the card?"

[Repairerer]

It makes perfect sense when you consider her only experience is student loans.

[BobWang]

It makes perfect sense when you consider her only experience is student loans.

Yeah, she's getting the crash course in credit gaming.

[BobWang]

That, and Implicit Differentiation.

[sidecontrol]

I also didn't realize NFCU's BillPay was so sucky.

 

She closed her BofA account when she got into Navy.

 

I told her to ask BofA if they could re-open it.

 

Yes, but it would require another Experian hard inquiry.

What was so sucky about it that you would want to re-open another account just to use their BillPay?

[BobWang]

I also didn't realize NFCU's BillPay was so sucky.

 

She closed her BofA account when she got into Navy.

 

I told her to ask BofA if they could re-open it.

 

Yes, but it would require another Experian hard inquiry.

What was so sucky about it that you would want to re-open another account just to use their BillPay?

Citi credit cards are not offered as a payment destination.

[cashnocredit]

My, 'enry 'iggins has been hard at work.

[BobWang]

And I think she's getting it.

[BDK]

I used to go to the midnight shows when I was younger.

 

Now I fall asleep around 9.

 

 

Bob, did you dress up? Pics.