nancy361

i thinks its HAYNES finance company, the store called THE DUMP, uses it ......just curious to know how when THE DUMP runs a credit ck, they were able to see that we had another place run a credit ck a few days before, and it was approved for 4K.....Yet we look at our own credit reports from all 3 bureaus and see NO account from GE listed at all. Only 1 inquiry on trans union......I was told that credit or finance comp. can see internally more then we can, of our credit...is this true?

Hi all Havent been here in a long time, but was wondering about some things and hope somebody can enlighten me.. Looking to get a new bed. went to 1 place that has financing interest free, etc etc...we werent positive if we wanted the bed we looked at, and they suggested to run credit ck to see if we can even get approval for financing.. came back approved...If we decided to go with that bed all we had to do was let them know... Then a cpl days later we went to another store that we have bought and financed from before and thought we may get what we want here, big sale etc etc... so again, unless your account has been active in so many months, they have to run a credit ck again, even though bought from them before. They ran some info, then said they would need MORE info in depth, and instead of a approve or decline i think the person in that dept had to look deeper at the report...Then we were declined, man said did you open an account just recently for X amt of dollars? yes we said, but it was just a credit ck and approval in event we buy from them.....So because of that prev store check and approval, he said its like an open account with the money waiting for you if you go buy from them and so thats why we got declined, because that ck with what we already have on our credit report open was enough and no more approval could go thru......We also realize that credit cks can cause hits on our score even if a point or 2, right? We went back and decided to get the other bed from 1st place, get 30 nite trial and dont get billed from GE CAPITAL until a month after we have bed...Turns out after 2 wks, we dont care for the bed and plan to return it, have to wait the full 30 nites though....and they dont have anything to do with the credit company GE Cap. So i called them and told them we wont be buying the bed after all and plan to return in early OCT. But we want this account closed because we arent financing the bed now or anything else for that matter....They closed it a few days ago. I asked when will it reflect on my credit report, in event i need to finance a bed elsewhere.. he said they usually take up to 30 days to show on your report maybe less.... we want to be able to finance another bed come OCT when this one goes back... Today we went on annual credit report .com and got our FREE yrly report to see. NONE of 3 bureaus show ANYTHING no account at all open....only trans union showed an INQUIRY from GE CAP. thats it...SO my question is, sorry for so long....what was the 2nd store credit ck able to see about the approval of 1st store ck?? If its not on my report at all except 1 inquiry, then what do they see, how do they see and then decline us??? Can the credit companies the stores use, see more internally of peoples reports then what we see of our own reports??? Hopefully in a cpl of wks we can go buy a bed and get approval...But again, what do the finance comp see that we cant??? Thanks for your time

thanks for replys , by the way, love the dogs in your pictures Trevor

my fico score was just looked at cause im getting preapproval for a new mortg.. on march 7th this yr,i did my annual credit report.com ck and this is what it showed.... exper. shows 4 inquiries that others can see, 3 say permissable purpose, dated 5/21/2009, coming off in june this yr.... another is real estate loan from a mortg comp 3-1-2010, last yr i was looking to buy , but then decided not to.... should come off april 2012....another is sept 2010 comes off oct. 2012 another is 12/2010 comes off jan. 2013... trans union shows 2 inquiries, 1 in march 201, the other december 2010 equif shows nothing rest is all fine...only have 2 active accounts, car loan to be pd off in nov.... and this chase CC limit is 6K and i have about 1700 balance..... I just met with a loan officer yesterday, for a house i may make an offer on, and i thought by making sure the credit card balance was at least 30% of the LIMIT, that was a good ratio and could bring up my score some....currently its at 686... So i asked chase if they could UP my limit, but wondered if my score would lose points by them having to ck report.... trying to raise the score fast, NOT lower it by having them ck the report....maybe ill wait til after i get a house then ask them to raise the limit.....ALSO, does getting a mortg for the 1st time, going to lower my score??? i read that was a possibility....Like when you get a car loan, initially the score went down when i took on this loan....so by me buying a home, is that going to lower my fico score too???

I have a quick question...I recently asked my chase credit card comp if they would be willing to raise my credit limit 500-1000 dollars..... they said they would have to review my credit report 1st to determine if they will or not Im in the midst of trying to bring UP my scores, and by them cking my report ( INQUIRING) doesnt that lower your points-score?? I ck my report at annual credit report .com every yr for free and it does say that too many inquiries will drop points....Dont want to do that if im trying to raise my score, anyone have any feedback on this??? Thanks for your time

Im sort of leaning towards that too... we arent looking to move out in 5yrs, maybe within 10 or a bit less. maybe 8, but even then, hopefully market will have changed for the good....and in 8-10yrs we can do a lot, no rush, just do things as we can afford them....like you said, when breaking down numbers as you did, we will have pd 50+ K just on a 30K loan added onto our mortg in a 30yr span.... of course we arent staying whole 30yrs, but if we stayed 10, then what sort of numbers are you talking we wouldve paid?? Im waiting for a man to call me that does these loans all the time.. he is affiliated with century 21 alliance and their first american mortg company....supposedly he has done thousands of these and without all the headaches that some people have gone thru from all ive read....he can explain better to us. so ill wait and see what he says to us, before we make a decision....

thanks, no wouldnt be unhappy at all... just from a walk thru it was livable. now, pending a home inspec. who knows whatll happen....WE actually like doing projects ourselves, does save money, and you did it, and when you can do it...and can shop for products that are on sale or whatever kitchen updating and possibly making it bigger(adding a small addition) would be costly and take up all the loan money im sure.even if we didnt add a small addition..just from seeing bathroom, tiles on floor need to come up cause they are cracked and all, but its not unusable, just original and new baths are costly too...we arent high end people, like comfortable styles, and im a good shopper in finding good deals....we wouldnt tackle a kithen or bath remodel, the big stuff i mean, not just putting in a new vanity or toilet or lites, but the whole bathroom....we updated our present kitchen ourselves in this rental house we live in, wasnt costly, but if we wanted a NEW kitchen that was gutted and made a bit bigger then a pro should do that.... the house is listed at 120K our budget couldnt go more then 130K, we are in south eastern PA. so even if we went reg FHA 3.5 down and hope to get 6% S/A, we could offer somewheres up to 100-105K for the house IF we want S/A...and with taxes presently assessed at 3700 for this house thats listed at 120, below market, but in this market its not that much below....so a mortg would be a decent low one....but if we go 203K not sure if we would offer less or same for the house and if it was accepted at say 105, the loan can only go to 130 so its not a whole lot, plus i think HUD adds a 10% to the loan in event something comes up while rehabbing and you need that extra, but still can only go to 130.. so this is what i mean....So who knows....still waiting for the mortg guy that was referred to us, to call back...left a message yesterday and still havent heard from him yet....he does the 203K loans.....so maybe after a year, a new homebuyer can try to get a loan for the house ?? we belong to a federal credit union....i dont know, what to do , what to do........"sigh"

Hello Im in midst of looking for 1st home.. Have a mortg consultant already did preapproval and all that...ready to go found a house, it needs updating, but its decent, empty, clean good bones....Im debating whether to go 203K route, to have mortg and loan payment in one.....OR just go regular FHA, like planned, and then update things as i can afford it... 60 yr old house all original, but its clean and things work....and things will pend on home inspection too of course.... But im just not sure which way to go....If i go regular FHA, the mortg will be good and low ....I have a budget, and if i go 203K then itll only be able to go to the budget limit...so maybe ill have 25-30K to update and fix things thats needed....dont know if thats enough.....plus my mortg each month will be higher ....i left a message with a man my realtor recommended , he does 203K loans and knows in and outs...hopefully he calls soon so i can discuss all this whether to do it or not..... Ive read on HUD site about how 203K works and all that, ive read posts from people that didnt have a good exp with it.....just not sure what to do, and i dont want to hem and haul, cause my luck ill lose the house.........it is livable...just all original, small kitchen from 60s, all orig. windows and bathroom....hard wood floors in good cond, just need to be buffed and polished and of course all painted ... and as i said whatever comes up from inspection..... if i go regular FHA, i could take a loan out from my credit union MAYBE, but how long before you can get a home improvement loan or equity loan to do improvements on a home you just bought?? anyone have any ideas or thoughts??? thanks

oh i hope not..... paying down your credit card should be a GOOD thing, and keeping it under a certain %, should help too....oh well hopefully it goes up some.....

thanks, The article i read, said that if you can pay down the debt and keep balance to 30% of the credit limit it would make the points jump quickly. so i figured, if i can pay them 2000 now and then a few hundred in a cpl of wks when bill is due, then itll bring it down to 1700 balance and 6000 limit, more then enough....Im going to email the credit card comp and ask them if they could report it quickly so it shows up on report....Im going for a 1st time mortg. so i want my score to be better then what it was a cpl of months ago....does anyone know just how may points it could potentially go up due to balance and credit limit ratios being much better?? hopefully enough to notice a difference...mortg consultant is a friend and he ran it all thru about a month or 2 ago, it came out to be 686, trans union was highest and equif was next highest, experian was lowest, go figure...maybe if its ran again in a week or 2 for mortg pre approval purposes, itll be higher....if not, or it doesnt show up then, i guess it was a waste....unless if i find a house and they run the credit again before closing, then itll have gone up by then

Hi, I was wondering how long does it take for points to go UP with your credit after making a payment on CC?? bill is due may 4th, balance is 4039.00, credit limit is 6000.. wanted to get the debt ratio down....30% of 6000 is 1800, im trying to get that down to that amount or just below, to get my credit score to go up....today i just paid 2000 on the card, so now the balance is 2039, just did this today....payed this early, bill is due MAY 4th, so ill pay about 300 or so again by due date.... to get the balance down to below 1800, that should really boost my credit score wouldnt it?? My question is since i did this today april 17th, how long before itll show up on my credit report scores? I just read an article from a realtor about how if you get your balance to be 30% of the credit limit thats good and the points should jump up fast.....anyone give some advice or feedback on this?? thanks

was wondering why exp. wasnt on fico site...id like to get my transunion score...i got my experian score from their website when i did my annual credit report, its called vantage score report...it says 718 wonder how much different transunion will be.....too bad you cant go to 1 site and get scores for all 3 for 1 price AND for FREE....so are the credit scores you get on that credit bureaus site same or similar to FICO score on myfico site?? Like i said, i dont want a credit report, i just want my trans union score, i already have the report...myfico doesnt give you just scores, you have to get report too... dont need that

I was wondering, is there any place that i can get JUST my FICO/credit score?? I went on annual credit report.com and did all 3 reports for free, 1x a yr.. i wanted to get my score on transunion but forgot to do it. when i did experian i did buy the score, 7.95 they call it vantage score now on experians credit report page for me vantage score report was 718....why doesnt myfico do experian? just transunion and equifax....anyways, is there a website i can get just the score? i dont need the report sinec i got mine for free already...and im wondering, is ficos score going to show differently then when you are on the credit bureaus page and buy it it there like i did? like i said when i did annualcreditreport.com and went to experian, i payed 7.95 for that score and they called it vantage score report thanks

I actually belong to FMFCU, and did apply online and they didnt approve it....ive a member there for 8-10yrs.. u believe that!!....I called chase and B**** them out, they went on to say all sorts of crap, then finally raised it back up to 6000....i have to find a low interest good balance transfer card to get rid of them...then itll be easier to pay down this card too without them hassleing me.... doesnt applying for credit to a couple of different cards lower my score as well?? Thank you all for your replys...

I am at my wits end with this chase credit card i have.....It use to be WAMU with a 7000 credit limit and 10.99 apr....no problems.. now chase takes over and decides to try to raise my APR.. and i fought them on it so now its higher then WAMU was but lower then what they wanted to raise it to. its 15%, The issue i have is they keep LOWERING my CREDIT LIMIT....for no good reason...when they took over WAMU and my account, they dropped the credit limit to 6000, now today i get another letter saying they have dropped it again to 4700!!!!..... They reviewed my account and history with them and decided to reduce the limit based upon balance owed is too high on revolving accountS, and balance too high compared to credit limit....now gee, of course balance will keep seeming higher because they keep lowering the limit!!! 1st off let me say this... this card is ONLY revolving card i have its the only credit card to this date that i have..i have a credit history, they are just closed or never used accounts in many yrs...i have 1 car loan that is in excellent standing and almost pd up. I am an excellent customer for this chase card. I always pay on time if not early, i always pay MORE then min bal due. and i only use my card maybe 2x a year if that....i pay the balance down with way more then they say i should pay every month.... so with a balance of 4000 , due to going on a big trip this past summer and used my card to book etc , thats it!! I do not use it at all....so with the balance of 4000 and now the limit lowered again to 4700, gee, it gives the impression that i cant manage my money and card and MAX out to limit, WHICH I DO NOT DO..... I get the feeling they are trying to get rid of me or hope i drop them....When the CRA see my report and see this 4000 and then a low credit limit, that drops my score more and makes it seem i cant manage things....They shouldnt be allowed to do this crap.... Im trying to find a decent website that will show me different cards for people with decent good scores to apply for a different card and drop this chase....ill ck out the link that i see above for cards too.. anyone have any feedback to offer, or a site to go to to find a card that i can transfer this and pay it down without all the crap that chase is doing to screw my report and score up??? thanks for your time nancy