me_jo

Heya! Nice to see some familiar folks still about 🙂 Hope all is well.

Hi all! Haven’t hung out around here in a while. Checking in to see what condition our condition is in with the forums and see the latest and greatest credit/mortgage happenings. I’m seeing a lot of people struggling financially on various other social media platforms and in the lives of friends and family. I still avidly recommend Credit Boards to anyone who will listen that wants to learn. Happy to say that I’ve been able to maintain all the CB habits, tips and tricks I learned along the way. (Knock on wood!) My FICO scores generally fluctuate between 840-850 across the big 3 CRA’s. I feel like I pretty much hit a wall on available credit and the CLI processes. Anyone have some recent hot topics? Any recent experiments or guinea pig testing in process? Is that still a thing? lol

Happy Friday! I’ve been away for a bit as life and gardening was in session. While away, I reached a couple of milestones: TU8 hit 850 and I am now closed on a mortgage. Started today off with reading through CV’s early mortgage payoff and I’ll be searching next for app spree/sub data so that I can continue to develop my credit arsenal. Thanks CB!

Logged into Logix yesterday. They auto increased my cc from $5,000 to $13,000. Only increase in 4 years. Was a little surprised by the pop up lol

A car loan triggered the "Too many consumer finance accounts" message for me.

793 -->799

Commence $20,500 AMEX BCP, Walmart, Lowes $20,000 Venture $19,000 Income $73,000

Yes, had an offer of $150 for $1,000 spend in first 3 months. I have two boys (12 & 17) so an increase on cash back for groceries and gas works great for me. Thanks!

Thank you.

I've received an offer to upgrade my AMEX BCE to BCP. Will a PC impact my established D* of 2002?

How does Navy Federal use FICO® Scores? Like most other lenders, Navy Federal may use your FICO® Score as one piece of information among many to help make a more informed credit decision about you. How are FICO® Scores calculated? FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated. 35% - Payment History 30% - Outstanding Debt 15% - Length of Credit History 10% - New Credit 10% - Credit Mix What are FICO® Scores? FICO® Scores are numbers that summarize your credit risk. Scores are based on a snapshot of your credit file at particular consumer reporting agency at a particular point in time, and help lenders evaluate your credit risk. Why are you providing FICO® Scores? Reviewing your FICO® Scores can help you to better understand your financial health. How often will I receive my FICO® Score? Members will receive their FICO® Score 9 based on Equifax data updated on a bi-monthly basis, when available. Will accessing my FICO® Score impact my credit? No. The FICO® Score we provide to you will not impact your credit. Why is my FICO® Score not available? Your credit card account is new. It may take over two billing cycles for us to populate your score. nRewards® Secured and First Time Borrowers Cardholders. It might take additional time for nRewards® Secured and First Time Borrowers to see their FICO® Score. The Credit Bureau doesn't have adequate data. FICO® Scores are calculated based on credit reports at the US credit reporting agencies. FICO® Scores are not available when a credit bureau cannot match the necessary data about the consumer. Where does the information used to calculate my FICO® Score come from? FICO® Scores are based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit files is supplied by lenders, collection agencies and public records. Not all lenders report to all three major CRAs. The FICO® Score 9 that we provide to you is based on data from your Equifax report as of the "pulled on date" shown with your score. What are Key Score Factors? When a lender receives a FICO® Score, "key score factors" are also delivered, which explain the top factors from the information in the credit report that affected the score. The order in which FICO® Score factors are listed is important. The first indicates the area that most affected that particular FICO® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected. Why is my FICO® Score different than other scores I've seen? There are many different credit scores available to consumers and lenders. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. The score being made available through this program is FICO® Score 9. When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score. Why do FICO® Scores fluctuate/change? There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores may also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly. How do I check my credit report? Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report once every 12 months. To request a copy of your credit report, please visit: http://www.annualcreditreport.comor you can request a free copy from each of the three major consumer reporting agencies including Equifax. Please note that your free credit report will not include your FICO® Score. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use and benefit.

Terms and conditions if you haven't already enabled: To enable this feature, you must be the primary accountholder on a credit card account. When you select "Enable Now", you'll gain access to: Your FICO® Score Up to 2 Score Factors Your Score History Viewing this content will not impact your score. Terms & Conditions As part of Navy Federal's FICO® Score program, I authorize Navy Federal to display my FICO® Score that Navy Federal already has based upon its relationship with me. I understand my FICO® Score will be available to me in my online banking credit card account(s) and mobile app for my education and non-commercial use. My enrollment also serves as authorization for Navy Federal to display my score in my online banking credit card account(s) and mobile app when I access any of my Navy Federal credit card accounts online or via Navy Federal's mobile app, and currently opened or those new credit card accounts I may open in the future. I understand that I may disable at any time by selecting the disable function on the bottom of the FICO® Score page and disabling means that I will not have access to my free FICO® Score on any of my Navy Federal credit card accounts. The FICO® Score provided is the FICO® Score 9 based on data from Equifax® and may be different from other credit scores. The FICO® Score provided is the score we use for Navy Federal credit card products and is not necessarily used for other products Navy Federal offers. Navy Federal may consider additional factors other than the FICO® Score when making credit decisions. The FICO® Score can also vary by lender, and therefore, the FICO® Score you will be provided by Navy Federal may be different from that which other lenders have for you. FICO® and Equifax are third-party providers and are not affiliated with Navy Federal Credit Union. Navy Federal does not guarantee the accuracy of any credit information that is provided to you by these third parties. Navy Federal may discontinue, without notice, the display of the FICO® Score in my online account, mobile account or both. Navy Federal is not responsible for delays or failure to perform. You can request a free copy of your credit report once every 12 months from each of the three major US consumer reporting agencies including Equifax, at annualcreditreport.com, which is the authorized source under federal law for free credit reports. If you find inaccuracies within your credit file, you may dispute items in your report with the particular consumer reporting agency involved. Navy Federal Credit Union and Fair Isaac Corporation are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Navy Federal Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Equifax® is a registered trademark of Equifax, Inc. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.