wanabe

The range for EQ 04 is not that range. That must be their fako scoring.

My son have myfico credit montoring and Eq 08 is not reporting any of the 5 AU and we have the same address. I'll have to check EX & TU.

My highest limit is $48,800 with Penfed on 20,000 (Social Security) My next highest is Citi with 19,900 with 50,000 Household income. I wish I had personal 36,000 maybe I could get over 10,500 with Navy.

My Credit Union is so awesome to the end of all awesomeness! Pendfed Journey: Joined in 2008 refinance Van from Wellsfargo 14.65 to 4.99 Also Applied for Platium Visa and Denied. Reconed and got $500CL. 14 Months later accepted approval from 500 to 19,150. 2010 refianced Van with Penfed with inq. 4.99 to 2.49 and they mailed me a check $5000 Due to only owing 5,000 and min. was 10,000. (Paid off) Not sure of date accepeted approval on CC 19,900 to 48,800 which is what my CL is today. 2010 accepted approval 25,000 personal loan (Will be paid off June 2015) Hadn't received any approvals since then and thought that was it for me and This year more awesomeness of twice received write my own loan for 4.99% for 48 Months. Received another 12,000 and 8,000 of 20,000 deposited at 4.99%. All this with 20,000 faxed in social Security and 2 inq. Haven't had any ing. since 2010. Thanks CB are this would have not been possible! Navy (Medicore at best for me) no ing for 4,000 to 6,000 to 10500 which is where it will probably sit due to income. Do have some 0%'s on there which was nice. They are awsome for approving my 18yr. and 19yr. with there first unsecured Navy Cash CC. with no history of their on just AU on my accounts. PSECU got in when it was open. I didn't apply for anything but checking due to thinking income was to low. The free EX is awesome and getting in when it was open. .

From my experience removed from a chase cc and the account disappeared on all 3 after calling chase and and and asking to be removed. Wambleagley if you remove it let us know which way it happens

yes, if you dispute the account with the CRAs it will disappear. but that's dumb. if you call up the creditor you can terminate the AU and then it will stay around as positive. Yes once you call up the creditor and be removed it disappears and no more reporting

uhhh ... no. it changes the Account Status to Terminated and removes the current balance. and everything stays there for 10 years. That would be if original account holder terminated the account. AU will just disappear like you never had it. No History, not on Au report anymore.

uhhh ... no. it changes the Account Status to Terminated and removes the current balance. and everything stays there for 10 years.

Not true once you are removed as AU the account is gone from your report like you never had it.

I'm helping my DS that is 19 start his credit journey. He is on 3 of my CC as AU with The target Visa not reporting on EQ for some reason. He had no CC in his name and he receive SSI. He has a share savings and a student checking that I opened with Navy in 2008. He applied for cash rewards visa, they called him and asked him to send in proof of income and he was approved for it with $1500 limit. You may be able to just apply for regular card.

How long had your cards been reporting zero balance before this drop? Your theory of multiple months at $0 balance makes sense. There were a total of 3 months that my balances were at $0. Month 1: No score change. Month 2: Score went down by 20 points (from 760 to 740). Month 3: Score went down by 50 points (from 760 to 710) - current. No inquiries, No collections, No late payments, No late payments, 4 cards reporting. Thanks. Great info. Please keep us updated on how your scores change in the future. This could be very useful for others. Thanks for clarifying in previous posts, the multiple "$0 balance" concept is real and does ruin your scores heavily - as seen in my scores. Almost as bad as having a collection, score wise. You can keep PIF before statement cut all but 1 CC leave a small bal. of 1% to 3% and your scores will rebound. Creditors can see on your CR that you used the card even if it reports 0 baance. On a credit report it shows actual payment amount.

745 Same as Last Month Went from 25% to 27% Still 14 CC showing bal.

Your utilization would be the actual balance at statement close. You could use 99% of your credit limit PIF as much as you need to and reuse it as much as you need to before statement close or due date in each month. Ex: I had a $500 limit needed to charge more than that a month. I charged $495 PIF and recharged that amount and PIF all before statement closed. So actually I charged $990 without a credit balance and at statement close had a 0 balance that reported to CRA.

Check your bill, I was also offered the discount from the 6.50 I was paying to the 11.12 and my bill I was charged 23.63. I just called in and was told they didn't see where I was offered the 11.12 but refunded be back 11.82 and set it up today, even though I thought it was already done earlierr this month.

745 +8 Not much changed from last month 25% util. 14 CC reporting out of 20. Maybe two month late gain for hitting 5 average age.