maglor1

I have plans to go on vacation next month and I have noticed that the airfares have been much cheaper on Tuesday and Wensdays. I shall use my citi card to pay for it to maximize my rewards. However, my card statement is stated as cutting on the 15th. If I purchase the package on either Tuesday or Wensday (14th and 15th) next week, will the large purchase be placed on that month's statement and give me a high util ratio for that month and lower my score ? I plan on using Expedia btw. I'd wait till the following week but the airfare may rise substantially if flight fills up while I wait another week.

How do AU's factor in this? I currently have 5 accounts with $0 balances and 2 AU's with utilization under 10%, would I be better off have one of the 5 with a balance?

I saw a commercial featuring Ben Stein pitching a site called freescore99.com, has anyone tried this yet? It purports to show you your score from all three CA's. Says you get a 7 day trial before a $20/month fee kicks in, should you not cancel. Are the scores all FAKO ?

Citi Diamond Preferred Rewards 4500 -------> 5750 call in Also, BOA won't unsecure an $800 secured CC w/o a hard pull, booo!

I'm confused....is this a mock post or for real.

Anyone have experience getting a private loan from NJ HESSA ? My credit score averages about 720 would this be high enough to qualify without a co-signer for a $8000 loan and income of $36,000?

AAOA is very low, creditkarma has it listed as 1 year 6 months. Would an AU help with this?

I would like any advice on moving upwards now that I gotten above 700. Below is my situation but any thoughts or links on how to procede from this point forward. Three years ago I had no credit and was illiterate in matters of personal finance. I started reading CB's over a year ago. Thanks in part to Creditboards I’m in much better shape today. My credit score is in pretty good shape, with a score of 739 according myfico.com, a FAKO score of 722 on credit-karma, and 730 on quizzle.com. I go to school full time and have one year until I finish. Below is a list of my current credit accounts. I closed three credit card accounts with Orchard, Applied Bank, and First Premier ( yuck) last fall. The Orchard bank card was my initial card from January 2008, I considered leaving it open for age of account reasons, but I really didn’t want to pay the annual fee. Every account is either PIF or has a 1-5% utilization balance so that the card reports. I rotate usage of the cards regularly with high usage but low balances on statements. I make about 35k a year in earnings now, but it was much higher prior to reenrolling in college. Unfortunately, I have 13 hard pulls on my Experian report according to quizzle.com, though only 1 on my TU report according to credit-karma. I was impatient kept applying for cards to get away from unsavory secured/play cards I started out with. I’ve learned the hard way not to apply for a credit card without preapproval. Credit accounts Capital One Platinum- CL 1000 – since 3/09 Citi Diamond Preferred Rewards- CL 4500 – since 6/09 BOA (secured)- CL 800 – since 7/09 Macys – CL 900 - since 10/09 AMEX – CL ?? – since 4/10 Chase – CL 900 – since 4/10 Federal Student Loan – 12,500 Balance – since 9/09 I have a few questions that need answering. 1) This September I shall apply for a private student loan through New Jersey HESSA of about $8,000. I do not have a co-signer available. Is my credit score high enough to qualify? I fear that my short credit history will get me denied. 2) What can I do to boost my score over the summer? 3) Would it be wise to gain additional cards ? 4) Should I attempt a soft pull CLI and with which card ? 5) Are there any cards that pull only TU (NJ resident) and not Experian. 6) Is there any way to bump off Experian pulls or challenge them? A few of them were from checking account applications (BOA). 7) Any other advice on methods to boost my score in the long term?

Credit Advice Three years ago I had no credit and was illiterate in matters of personal finance. I started reading CB's over a year ago. Thanks in part to Creditboards I’m in much better shape today. My credit score is in pretty good shape, with a score of 739 according myfico.com, a FAKO score of 722 on credit-karma, and 730 on quizzle.com. I go to school full time and have one year until I finish. Below is a list of my current credit accounts. I closed three credit card accounts with Orchard, Applied Bank, and First Premier ( yuck) last fall. The Orchard bank card was my initial card from January 2008, I considered leaving it open for age of account reasons, but I really didn’t want to pay the annual fee. Every account is either PIF or has a 1-5% utilization balance so that the card reports. I rotate usage of the cards regularly with high usage but low balances on statements. I make about 35k a year in earnings now, but it was much higher prior to reenrolling in college. Unfortunately, I have 13 hard pulls on my Experian report according to quizzle.com, though only 1 on my TU report according to credit-karma. I was impatient kept applying for cards to get away from unsavory secured/play cards I started out with. I’ve learned the hard way not to apply for a credit card without preapproval. Credit accounts Capital One Platinum- CL 1000 – since 3/09 Citi Diamond Preferred Rewards- CL 4500 – since 6/09 BOA (secured)- CL 800 – since 7/09 Macys – CL 900 - since 10/09 AMEX – CL ?? – since 4/10 Chase – CL 900 – since 4/10 Federal Student Loan – 12,500 Balance – since 9/09 I have a few questions that need answering. 1) This September I shall apply for a private student loan through New Jersey HESSA of about $8,000. I do not have a co-signer available. Is my credit score high enough to qualify? I fear that my short credit history will get me denied. 2) What can I do to boost my score over the summer? 3) Would it be wise to gain additional cards ? 4) Should I attempt a soft pull CLI and with which card ? 5) Are there any cards that pull only TU (NJ resident) and not Experian. 6) Is there any way to bump off Experian pulls or challenge them? A few of them were from checking account applications (BOA). 7) Any other advice on methods to boost my score in the long term?