taylormadein2009

Not only banks but credit bureaus have gotten hip to the adding AU to accounts just to boost credit as well. Certain scoring modules will not include AU accounts in your score. For the most part, since AU are not liable for the accounts, they(AU) can simply call the credit bureaus up to have the accounts removed from credit once done with purchasing of home. So I'm thinking that's why certain scoring modules won't include the account in score but some still do.

It depends on the credit bureau and scoring module as well. The Equifax scoring module from what I'm told doesn't include accounts listed as AU in a consumer's score. Since an AU isn't liable for the account, I guess that don't think the person should get the credit. Idk. I think a few other modules are like that as well. So it just depends on the scoring module whether or not the score drops.

I would say wait as well. I had a friend who had a similar situation to where a charge off was falling off all credit bureaus before she even closed. The underwriter didn't care if it did fall off, they wanted it paid and proof that it was paid in full before closing.

Usually credit reporting agencies report paid/unpaid items for seven years after the date of last activity or purge date(for collection accounts) with the exception of bankruptcies and tax liens. Be careful on the bumping. A split file is the worse to deal with. Never know which one will get pulled when applying for credit or checking credit report.

Yes. They CFPB actually started out overseeing banks and lenders first before moving to the CRAs.

I recently called the Equifax Security Freeze department at 888-298-0045. Is this the number you have been calling?

So EQ C* happened today in Georgia....when I was at 77 good soft pulls yesterday...today I'm 44.... But that's ok...It's on now...EQ!

Found the counter. Thanks!

Congrats! I opened one last month as well with a $600 limit. Hope to get the same kind of love in a few months. Was this the regular store card or the Discover card?

Ok. I live in GA and I'm trying to get an accurate count of good soft pulls I have to start B*. Am I correct in saying that I have 58 good soft pulls? AR-AMERICAN STUDENT ASSISTANCE 02/10/12, 12/08/11 AR-CAPITAL ONE 10/04/11 CHILDREN'S HEALTHCARE OF 09/26/10 CIC/EXPERIAN ALRTS 05/05/12 ND-CONSUMER CREDIT COUNCILING 05/31/11, 06/01/10 CREDITEXPERT 1-866-673-0140 05/08/12, 05/07/12, 05/06/12, 05/05/12 EQUIFAX 05/01/12, 01/13/12 EQUIFAX INFO SVCS. 01/20/12, 05/27/11, 02/09/11, 01/28/11 EQUIFAX INFO SVCS. 05/23/11, 04/20/11, 12/11/10, 06/24/10, 05/22/10, 05/20/10 EQUIFAX 12/31/11 ND-EQUIFAX 12/31/11 EQUIFAX INFO SVCS. 12/31/11, 06/16/11, 06/16/11, 04/25/11, 03/04/11, 03/02/11, 02/22/11, 01/04/11, 09/05/10, 08/23/10, 08/23/10, 07/30/10, 07/23/10, 06/18/10, 06/18/10, 05/21/10 Equifax Consumer Services 05/08/12, 05/07/12, 05/06/12, 05/05/12, 05/04/12, 05/01/12, 04/30/12, 03/25/12, 02/25/12, 01/26/12, 09/11/11, 08/22/11, 07/23/11, 06/17/11, 05/23/11, 04/28/11 ND-Equifax Consumer Services 05/07/12 ND-Equifax Consumer Services 12/01/11 ND-Equifax Consumer Services 12/01/11 ND-Equifax Consumer Services 09/11/11 ND-Equifax Consumer Services 11/18/10 ND-Equifax Consumer Services 09/05/10 ND-Equifax Consumer Services 06/24/10 ND-Equifax Consumer Services 06/18/10 ND-Equifax Consumer Services 06/18/10 ND-Equifax Consumer Services 05/22/10 EQUIFAX INFORMATION SVS 05/11/11 EQUIFAX INFO SVCS. 04/30/12, 02/08/12, 06/25/10, 05/25/10 AR-EQUIFAX UPDATE 02/14/12 GAS SOUTH 08/23/10 AR-GEORGIA'S OWN CU 04/10/12, 10/11/11 AR-GEORGIA UNITED CREDIT UNION 05/17/11 AR-HOUSEHOLD BANK 04/26/12, 12/27/11 ND-CHOICEPOINT ::2629006123 04/25/11, 03/04/11 ND-CHOICEPOINT, INC ::2629006123 02/17/11 AR-MEDLYTIX, LLC ::2629006123 08/02/11 AR-MIDNIGHT 11/01/11 ND-PROGRESSIVE INSURANCE **AA10 ::2629006123 02/11/12, 08/13/11, 04/25/11, 02/15/11, 08/20/10 AR-SCANA ENERGY 04/17/12 SCANA ENERGY 08/25/10 AR-WORLD FINANCE 05/01/12, 11/01/11