 SO's UT went from 97% to 21%! |
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 Jul 1 2005, 11:08 AM
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#1
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Group: Members
Posts: 1,056 Joined: 1-January 04 From: GA Member No.: 2,944  |
Her scores are EQ-630 EX-605 TU-650. Can't wait to see how much her scores increase!
 Jan 04'*********Today
Eq- 554*******620 Ex- 550****** 598 TU- 516****** 625 |
  
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| Googie |
Jul 1 2005, 11:08 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Feb 9 2010, 08:38 PM
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#2
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Group: Members
Posts: 4,349 Joined: 17-May 08 From: Y U in my business? Member No.: 75,279 |
ttt
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Feb 9 2010, 09:42 PM
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#3
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Group: Members
Posts: 32 Joined: 25-January 09 Member No.: 89,473 |
I'm guessing about 20 points, depending on some other factors!
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Feb 10 2010, 04:11 AM
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#4
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Group: Members
Posts: 1,048 Joined: 2-November 07 From: USA, Austria Member No.: 61,532 |
That's really a terrible, uninformed guess.
QUOTE (SimpleC6 @ Feb 9 2010, 09:42 PM)  I'm guessing about 20 points, depending on some other factors! Current
* American Express * Citi * US Bank * Capital One * Discover * HSBC * Chase * BoA * Nationwide* EQ=702 EX=707 TU=703 |
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Feb 10 2010, 04:48 AM
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#5
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Group: Members
Posts: 2,522 Joined: 27-February 08 Member No.: 69,599 |
depending on the info contained in her cbr, she could see quite a healthy improvement and even more so <10%
regarding actual point increase, one guess is good as any sorta, since point gain will hinge on a formula we don't have full access to. |
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Feb 10 2010, 05:11 AM
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#6
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Group: Members
Posts: 1,048 Joined: 2-November 07 From: USA, Austria Member No.: 61,532 |
QUOTE (savetherobots @ Feb 10 2010, 05:48 AM) depending on the info contained in her cbr, she could see quite a healthy improvement and even more so <10% regarding actual point increase, one guess is good as any sorta, since point gain will hinge on a formula we don't have full access to. If her scores are sitting in the Mid 600 range with 97% Utilization it's pretty clear that her reports are pretty good aside from being maxed out. Bringing that down to 21% is close to the sweet spot. I'd venture to guess it'd bring her into the 700 range. Current
* American Express * Citi * US Bank * Capital One * Discover * HSBC * Chase * BoA * Nationwide* EQ=702 EX=707 TU=703 |
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Feb 10 2010, 07:24 AM
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#7
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 Group: Mod Squad
Posts: 2,452 Joined: 25-March 07 Member No.: 47,070 |
I agree with Mike. She should see a nice boost to her score going from maxed out to 20% util.
Always expect a hard, be pleasantly surprised when it isn't...
and NEVER expect a customer service rep to know the difference. |
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Feb 10 2010, 09:15 AM
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#8
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Group: Members
Posts: 2,522 Joined: 27-February 08 Member No.: 69,599 |
QUOTE (Mike SIU @ Feb 10 2010, 05:11 AM) QUOTE (savetherobots @ Feb 10 2010, 05:48 AM) depending on the info contained in her cbr, she could see quite a healthy improvement and even more so <10% regarding actual point increase, one guess is good as any sorta, since point gain will hinge on a formula we don't have full access to. If her scores are sitting in the Mid 600 range with 97% Utilization it's pretty clear that her reports are pretty good aside from being maxed out. Bringing that down to 21% is close to the sweet spot. I'd venture to guess it'd bring her into the 700 range. Agreed. This post has been edited by savetherobots: Feb 10 2010, 09:33 AM |
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Feb 10 2010, 02:14 PM
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#9
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Group: Members
Posts: 81,453 Joined: 28-January 04 From: STILL trying to run away from the school yard bullies I need to run faster Member No.: 3,438 |
A little a lot
Who knows... I lost a ton of points by paying down over $50,000 in one month but with the RNG everybody is different CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Feb 10 2010, 02:37 PM
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#10
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Group: Members
Posts: 1,353 Joined: 30-June 08 From: Birmingham, AL Member No.: 78,000 |
QUOTE (verdegallardo @ Feb 10 2010, 09:09 AM) I emailed them yesterday and got this response this morning: PLEASE CONTACT PENFED AT 1-800-247-5626 TO COMPLETE FORM 530C. ALSO, TAX RETURNS RECEIVED ARE JOINT. MEMBER MUST ADD CO-BORROWER BEFORE PROCEEDING WITH LOAN APPLICATION. Dangit! Shouldn't have sent in those returns (married filing together). I can't really see why they need her too because she is a housewife I make all the $$. Even if they approved for the $40k (or even $50k  ) joint wouldn't look as good as individual no?Um, am I the only one who noticed that the OP is from 2005?
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Feb 10 2010, 03:27 PM
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#11
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Group: Members
Posts: 1,923 Joined: 22-November 09 Member No.: 101,678 |
QUOTE (jlp58 @ Feb 10 2010, 01:37 PM) QUOTE (verdegallardo @ Feb 10 2010, 09:09 AM) I emailed them yesterday and got this response this morning: PLEASE CONTACT PENFED AT 1-800-247-5626 TO COMPLETE FORM 530C. ALSO, TAX RETURNS RECEIVED ARE JOINT. MEMBER MUST ADD CO-BORROWER BEFORE PROCEEDING WITH LOAN APPLICATION. Dangit! Shouldn't have sent in those returns (married filing together). I can't really see why they need her too because she is a housewife I make all the $$. Even if they approved for the $40k (or even $50k ) joint wouldn't look as good as individual no?Um, am I the only one who noticed that the OP is from 2005? Yes. Very dusty bump. Am I the only one who noticed that you quoted a post from another thread? Credit Goals:
Keep my reports clean | Maximize rewards! | Secure a mortgage in 2013 Support my College Fund at no cost to you! (affiliate links): Amazon.com | ING Orange Savings ($25 bonus) | UPromise & eBates (Coupons and cashback!) |
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Feb 10 2010, 04:30 PM
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#12
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Group: Members
Posts: 81,453 Joined: 28-January 04 From: STILL trying to run away from the school yard bullies I need to run faster Member No.: 3,438 |
QUOTE (GamingG @ Feb 10 2010, 01:27 PM) QUOTE (jlp58 @ Feb 10 2010, 01:37 PM) QUOTE (verdegallardo @ Feb 10 2010, 09:09 AM) I emailed them yesterday and got this response this morning: PLEASE CONTACT PENFED AT 1-800-247-5626 TO COMPLETE FORM 530C. ALSO, TAX RETURNS RECEIVED ARE JOINT. MEMBER MUST ADD CO-BORROWER BEFORE PROCEEDING WITH LOAN APPLICATION. Dangit! Shouldn't have sent in those returns (married filing together). I can't really see why they need her too because she is a housewife I make all the $$. Even if they approved for the $40k (or even $50k ) joint wouldn't look as good as individual no?Um, am I the only one who noticed that the OP is from 2005? Yes. Very dusty bump. Am I the only one who noticed that you quoted a post from another thread? Every time I mention the dust in here and sneeze One specific person here has to get their BIG GIRL PANTIES IN A BUNCH This post has been edited by GEORGE: Feb 10 2010, 04:31 PM CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Feb 10 2010, 04:51 PM
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#13
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Group: Members
Posts: 1,048 Joined: 2-November 07 From: USA, Austria Member No.: 61,532 |
QUOTE (GEORGE @ Feb 10 2010, 04:30 PM) QUOTE (GamingG @ Feb 10 2010, 01:27 PM) QUOTE (jlp58 @ Feb 10 2010, 01:37 PM) QUOTE (verdegallardo @ Feb 10 2010, 09:09 AM) I emailed them yesterday and got this response this morning: PLEASE CONTACT PENFED AT 1-800-247-5626 TO COMPLETE FORM 530C. ALSO, TAX RETURNS RECEIVED ARE JOINT. MEMBER MUST ADD CO-BORROWER BEFORE PROCEEDING WITH LOAN APPLICATION. Dangit! Shouldn't have sent in those returns (married filing together). I can't really see why they need her too because she is a housewife I make all the $$. Even if they approved for the $40k (or even $50k ) joint wouldn't look as good as individual no?Um, am I the only one who noticed that the OP is from 2005? Yes. Very dusty bump. Am I the only one who noticed that you quoted a post from another thread? Every time I mention the dust in here and sneeze One specific person here has to get their BIG GIRL PANTIES IN A BUNCH Those Blue Cash allergies can be terrible this time of year Current
* American Express * Citi * US Bank * Capital One * Discover * HSBC * Chase * BoA * Nationwide* EQ=702 EX=707 TU=703 |
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Feb 10 2010, 05:08 PM
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#14
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Group: Members
Posts: 1,353 Joined: 30-June 08 From: Birmingham, AL Member No.: 78,000 |
QUOTE (GamingG @ Feb 10 2010, 02:27 PM) QUOTE (jlp58 @ Feb 10 2010, 01:37 PM) Um, am I the only one who noticed that the OP is from 2005? Yes. Very dusty bump. Am I the only one who noticed that you quoted a post from another thread? Probably so. I certainly didn't! 
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Feb 10 2010, 05:26 PM
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#15
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Group: Members
Posts: 2,227 Joined: 14-September 07 From: Denver, CO Member No.: 58,565 |
Real question is why did you bump this shaft?
Waste of time.... |
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