The Master Credit Score Mad Scientist Thread
Started by
BobWang
, Jan 27 2012 06:03 PM
280 replies to this topic
#76
Posted 21 March 2012 - 11:04 AM
Danke, Herr Doktor.
#77
Posted 22 March 2012 - 10:44 AM
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 $1.2k store card reports)
2012-02-25 TransRisk 699, Auto 865, VantageScore 762 [C] (2nd CC, Citi $4k reports
2012-03-01 TransRisk 699, Auto 865, VantageScore 763 [C]
2012-03-17 TransRisk 699, Auto 865, VantageScore 753 [C] (3rd CC, NFCU $0.5k reports $2 bal, ONLY balance)
2012-03-22 TransRisk 699, Auto 865, VantageScore 752 [C] (Walmart also reports $2 bal, 2 cards w/ bal out of 3)
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 $1.2k store card reports)
2012-02-25 TransRisk 699, Auto 865, VantageScore 762 [C] (2nd CC, Citi $4k reports
2012-03-01 TransRisk 699, Auto 865, VantageScore 763 [C]
2012-03-17 TransRisk 699, Auto 865, VantageScore 753 [C] (3rd CC, NFCU $0.5k reports $2 bal, ONLY balance)
2012-03-22 TransRisk 699, Auto 865, VantageScore 752 [C] (Walmart also reports $2 bal, 2 cards w/ bal out of 3)
#78
Posted 22 March 2012 - 11:04 AM
If anyone wants to experiment, Im the perfect candidate to help walk through. I need soooo much help I get confused where, when and how to start 
Oh by the way Im not embarassed enough yet!!!
Oh by the way Im not embarassed enough yet!!!
#79
Posted 23 March 2012 - 06:13 AM
So if one extends this further, a report with a $250,000 credit limit, reporting a $240,00 balance, would be better off than someone with a $300 limit reporting with a balance of $200--all other things being equal?
Surely not, Shirley:-)
Surely not, Shirley:-)
#80
Posted 23 March 2012 - 08:24 AM
Maybe it looks at the actual balance of that line itself before it decides to include? 
So if you have say 30k on a 50k limit it could count it but if it's a miniscule balance it doesn't? I could totally see programming logic for that. Anyone care to go buy a Benz on their card and test this out? 
So if you have say 30k on a 50k limit it could count it but if it's a miniscule balance it doesn't? I could totally see programming logic for that. Anyone care to go buy a Benz on their card and test this out?
#81
Posted 23 March 2012 - 09:03 AM
The FICO Estimator uses actual dollars for balances, with no mention of credit limits.
So, it's not just based on percentages.
Shirley
So, it's not just based on percentages.
Shirley
#82
Posted 23 March 2012 - 09:04 AM
Oh, it also asks about % utilization.
Bob
Bob
#83
Posted 23 March 2012 - 01:29 PM
03/15/2012
MasterCard $5 of $18,000
Visa $4 of $25,000 (Closes the 19th, Reported the 4th)
Visa $10 of $10,000
MasterCard $3 of $8,000
MasterCard $16 of $50,000
Eq 816
Ex 840
TU 825
TransRisk 782
03/23/2012
MasterCard $5 of $18,000
Visa $4 of $25,000 (Closes the 19th, Reported the 4th)
Visa $2 of $10,000
MasterCard $3 of $8,000
MasterCard $16 of $50,000
Eq 816
Ex 840
TU 825
TransRisk 778
So, dropping from $10/$10k = 0.1% to $2/$10k = 0.02% tanked my TransRisk FAKO 4 points.
It appears that anything < 0.01% utilization is considered 0% by TransRisk.
MasterCard $5 of $18,000
Visa $4 of $25,000 (Closes the 19th, Reported the 4th)
Visa $10 of $10,000
MasterCard $3 of $8,000
MasterCard $16 of $50,000
Eq 816
Ex 840
TU 825
TransRisk 782
03/23/2012
MasterCard $5 of $18,000
Visa $4 of $25,000 (Closes the 19th, Reported the 4th)
Visa $2 of $10,000
MasterCard $3 of $8,000
MasterCard $16 of $50,000
Eq 816
Ex 840
TU 825
TransRisk 778
So, dropping from $10/$10k = 0.1% to $2/$10k = 0.02% tanked my TransRisk FAKO 4 points.
It appears that anything < 0.01% utilization is considered 0% by TransRisk.
#84
Posted 23 March 2012 - 01:34 PM
You mean < 0.1% right? Interesting change though.
#85
Posted 23 March 2012 - 01:49 PM
Ah, correct, < 0.1%You mean < 0.1% right? Interesting change though.
#86
Posted 24 March 2012 - 10:16 AM
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)
2012-01-10 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)
#87
Posted 24 March 2012 - 03:11 PM
Bob,
This may not be the right place to ask you, and I'll happily start a new thread if you wish! I was wondering if you could point me in the direction of places to go to open new accounts to begin rebuilding credit? I have deleted most all my baddies and want to get my score up so I can purchase a new car a little later this year.
Thanks, CalPop!
This may not be the right place to ask you, and I'll happily start a new thread if you wish! I was wondering if you could point me in the direction of places to go to open new accounts to begin rebuilding credit? I have deleted most all my baddies and want to get my score up so I can purchase a new car a little later this year.
Thanks, CalPop!
#88
Posted 24 March 2012 - 07:46 PM
CalPop:Bob,
This may not be the right place to ask you, and I'll happily start a new thread if you wish! I was wondering if you could point me in the direction of places to go to open new accounts to begin rebuilding credit? I have deleted most all my baddies and want to get my score up so I can purchase a new car a little later this year.
Thanks, CalPop!
I'm not the guy to ask about rebuilding credit.
Many others have far more experience in that than I do.
My advice would be to just take some time to read about others' rebuilding experiences.
The best thing for your credit profile is to keep working on the baddies, while opening accounts with lenient issuers.
That said, I like knowing where I stand, and joining DCU for their Equifax FICO would be one of my suggestions.
Bob
#89
Posted 28 March 2012 - 09:13 AM
Thanks!
#90
Posted 29 March 2012 - 11:35 AM
Got ES (Experimental Subject) added to electric bill.
Had her apply for PSECU membership on Friday 3/23/2012.
Asked her on Tuesday whether she had heard from them.
e-mail requesting address verification was in her junk mail folder.
PSECU membership is not important to her, LOW priority .
We'll see if she gets around to contacting them.
Had her apply for PSECU membership on Friday 3/23/2012.
Asked her on Tuesday whether she had heard from them.
e-mail requesting address verification was in her junk mail folder.
PSECU membership is not important to her, LOW priority .
We'll see if she gets around to contacting them.
#91
Posted 29 March 2012 - 12:53 PM
She did call.
Driver's License and utility bill with matching addresses is sufficient.
Faxed to PSECU.
Driver's License and utility bill with matching addresses is sufficient.
Faxed to PSECU.
#92
Posted 29 March 2012 - 12:54 PM
@PSECU lurkers.
She REALLY DOES live here.
She REALLY DOES live here.
#93
Posted 03 April 2012 - 03:57 PM
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)
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)
#94
Posted 11 April 2012 - 02:33 PM
ES got pre-approved Green AmEx offer at my address. 
#95
Posted 11 April 2012 - 02:56 PM
PSECU doesn't want to let her in.
They are VERY suspicious.
ES has called numerous times, and they tell her they're still reviewing her application.
Interrogations have gone something like this:
Q: I see you are a member of NFCU, why do you want to join PSECU?
Q: I see your name on ONE utility bill, do you have any others?
Q: Do you actually pay that utility bill?
Q: Do you pay rent?
Q: Where do you get your mail delivered?
Q: Are you related?
Q: I see you're an AU on his BofA card, what's your relationship again?
Q: Exactly WHY do you want to join PSECU?
They are VERY suspicious.
ES has called numerous times, and they tell her they're still reviewing her application.
Interrogations have gone something like this:
Q: I see you are a member of NFCU, why do you want to join PSECU?
Q: I see your name on ONE utility bill, do you have any others?
Q: Do you actually pay that utility bill?
Q: Do you pay rent?
Q: Where do you get your mail delivered?
Q: Are you related?
Q: I see you're an AU on his BofA card, what's your relationship again?
Q: Exactly WHY do you want to join PSECU?
#97
Posted 11 April 2012 - 05:14 PM
Interesting, I'm being given a hard time by PSECU as well ATM on my father's app. I'm supposed to hear from them tomorrow.PSECU doesn't want to let her in.
They are VERY suspicious.
ES has called numerous times, and they tell her they're still reviewing her application.
Interrogations have gone something like this:
Q: I see you are a member of NFCU, why do you want to join PSECU?
Q: I see your name on ONE utility bill, do you have any others?
Q: Do you actually pay that utility bill?
Q: Do you pay rent?
Q: Where do you get your mail delivered?
Q: Are you related?
Q: I see you're an AU on his BofA card, what's your relationship again?
Q: Exactly WHY do you want to join PSECU?
#98
Posted 11 April 2012 - 05:29 PM
PSECU doesn't want to let her in.
They are VERY suspicious.
ES has called numerous times, and they tell her they're still reviewing her application.
Interrogations have gone something like this:
Q: I see you are a member of NFCU, why do you want to join PSECU?
Q: I see your name on ONE utility bill, do you have any others?
Q: Do you actually pay that utility bill?
Q: Do you pay rent?
Q: Where do you get your mail delivered?
Q: Are you related?
Q: I see you're an AU on his BofA card, what's your relationship again?
Q: Exactly WHY do you want to join PSECU?
She should get all Gollum-voiced on them and say: "It wants the PRECIOUS...must have the PRECIOUS!"
#99
Posted 11 April 2012 - 05:38 PM
That was me a couple of years ago.
#100
Posted 11 April 2012 - 09:30 PM
That was me a couple of years ago.
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