catchnshoot

They use 04 for credit decisions as well. Thanks. So far DCU, US Bank (besides Auto loans) still use the Fico '04. Any other Lenders we can add to this list? I think the reason my score might be much higher in the Fico '04 algorithm, is because I am an Authorized User on a couple of old Non- spouse credit cards. Apparently they are not factored quite as heavily in the newer Fico 08. Not sure how they are factored in Fico 9 yet. Too many scoring models to worry about nowadays. Before it was just which bureau, Now bankcard & Auto scoring models along with the "04, '08 & 9!

Interesting, I Wonder if DCU uses the Fico 04 for automatic lending decisions too. Or is it just part of the "Free Monthly Fico Score" benefit that comes with the membership/checking account? I would imagine they would have to pay Fair isaac for two different proprietary models if that's not the case. (one for lending '08), other for account holders education '04)

Any Lenders Pull Fico Score 5 for a non mortgage loan (Credit Card or LOC)? Also my Vantage score 3.0 is 105 points higher then Fico score 8 and My Fico score 5 (Fico '04) which is commonly used in mortgage lending decisions is 82 points higher than my Fico score 8 . In fact according to the new score watch report format, all of the other models Auto and bankcard fico scores were all much higher then the most commonly used Fico score 8. How do i target lenders that still use this older Fico Model ? It's been a very long time since i have posted, thanks !

My zip code is 33183. I have recently went into a local Bank united branch but they first wanted my social to open a biz account. Thanks for your help.

MCA, Can you name a couple banks that only require EIN & not ss# to open a business account. I live in S. Florida Thanks

The used the Navy Card when I first rented it.... The cards have good rental car insurance coverage. I planned to pay with cash upon returning it. When I returned it to a smaller non-airport Avis location it they slapped me with that huge bill and there was no manager to adjust it at the time. Hegemony. It's a final charge not an authorization anymore. George: I have faxed documentation paperwork to navy of the original quote and waiting on a decision. I just never realized that companies can force such a large amount over the limit and temporarily get away with it !

Can Avis "Force" a charge on my credit card? If : My Credit Line was $3500 My Balance was at $3224 .....Then Avis overcharged me $2260 after I returned the rental car. (Should have been $250/week around $600 Total + taxes) That brought my CC Balance to $5284 !!!! My question is not about the overcharge ( I am currently disputing with them about that) I want to know how that charge went through? Is it an Avis "trick of the trade" to Force the charge through ?? Because Navy claims that it should have been declined for such a Large amount..... They have no idea. Anyone experience this ???

I also need an Experian Pull...It seems the majority of the cards in the Creditpulls database are store cards. At least in my state of Florida. Any other Bank or CU cards that use Experian ??

George, where can I find the "PULLED FORUM" ? Is there another good forum or database other then "Credit Pulls" that is recommended ?

Thanks nyrfann, I know a balance transfer would be a great idea but I know it is sometimes treated as a cash advance. Maybe I can paypal my self the amount I want to transfer, put it in my bank and make a payment that way to lower the utlization. The paypal fee's are much less then the cash advance fee's would be in the long run.

What made you come to this conclusion? The previous answer from Darth What is AA?

Ok So Maxing a credit card out doesn't hurt as much if you have other low balance cards to compensate. Interesting.

Is the Fico score impacted by Overall utilization on all revolving accounts OR each individual cards utilization by itself? For example: If I have 2 credit cards that have 10,000 CL's each. (They both have a balance of $8000). Then I open 1 more credit card with $20,000 CL and no Balance on it yet. Then my overall Balance is $16,000 and my credit Limit on ALL cards is $40,000. Just wondering if utilization is counted individually or Overall as far as the FICO score is concerned?

Whychat, I never ended up filing for BK. This is a $192 medical bill for a Hospital visit in Sarasota, from 3.5 years ago. It does list as a MED1 on my TU report and it looks like it was sold from another collection agency just recently. As suggested I will delete my old addresses on my CR's and send out the letter you generously started for me. Very interesting recommendation using colored and Italic font for the letter. I guess the idea is to make it stand out amongst the millions of other letters ? I bet you sleep very sound at night knowing how many people you help in this world. Thanks

Wow, very easy process. I thought it would require a 2nd app. with income, address and everything, but I guess all they need is my SS# and name which they already have from when I was put on as an AU. Thanks VERY VERY much.