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Beginner's Credit Information
Definitions, explainations, where to begin
9 topics in this forum
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Has Chase become a multi-puller?
centex posted a topic in Credit Forum,
I elected to pull the trigger on the new United card the other day. As expected, there was a pull on EXP. No instant approval. I see a pull from the following day on a different bureau (TU).
I am curious whether this is becoming their new normal. Recording still has the 'under review' message.
Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window).
Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United. I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge.
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- 12 replies
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Pam , -
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Paying off CC Debt
zpcsc posted a topic in Credit Forum,
Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards.
I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed?
Years ago they weren't but so much has changed.
Thank you for all the suggestions.
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- 15 replies
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Pam , -
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Can you all please give me guidance on my plan of attack 😢
Theirmomma posted a topic in Credit Forum,
First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years.
So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all.
I could desperately use some guidance from you all
Fico 8 eports & scores as of March 10
Experian 558
Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score
Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
Care Credit AU$4000 limit $0 -no usage - 8 years old never late
Sears - closed AU no negatives
CarMax paid closed $19,117 -opened 4/14 closed 7/15
Acendium student loan 44 lates CO $2872 updated 8/16
EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
FED LOAN SERV- closed exceptional payment history 5/15
GLESI/ Bank of America -closed exceptional payment history 2/12
US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
Inquiries
Cap1 3/20 - unsecured card $300 limit in mail
Discover 3/20 - declined secured card
TU 509
Belk - same
Care credit - same
CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17
Discover -same
Sears-same
NFCU AU- closed updated 5/23 $20k limit exceptional payment history
Carmax-same
All the same student loan info
Collection
AT&T Mobility $1206 collection opened 9/18 updated 2/20
Inquiries Cap 1
EQ 535
Citibank same
Belk- same
Care credit same
Creditone same
Discover same
NFCU SAME
CarMax same
Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes
EDSOUTH GLESI SAME
EDUC SERV AMER same
FED LOAN SERV same
FED LOAN SERV same
US DEPT EDUC same
US DEPT EDUC same
Inquiries
Cap1 same-
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BofA - Max CL/Based on Income?
Rogue posted a topic in Credit Forum,
Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
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- 24 replies
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Nurse told me I’m in collections. Is that a violation?
MrsMoneyBags posted a topic in Medical Billing & Medical Collections,
So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info?-
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Posts
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Versailles All I can say is (channeling my inner George Takei) Oh My! -
By Bad Doctor Frost · Posted
That depends. How badly do they need to come out and how much whiskey do I have? -
As some of you know, DH and I are getting a divorce. It is taking a lot longer than it should due to the virus and courts being closed. I'm not upset about the divorce, the marriage really should have ended a long time ago. The setting: DH moved to Miami last July. (at the time he had said that he wanted me to move down once DD graduated.) In late October, he informed me he wanted a divorce. Oh, and in June of last year (or before) he started having an affair with an old schoolmate of ours - although I'm not supposed to know about that) The current: Our daughter is graduating from high school on July 25th. (they had postponed the ceremony due to the virus). She will even be speaking at the graduation. DH said that due to the virus that he couldn't come. (he is a doctor and Miami is being hit hard). Just found out that the week our daughter is graduating, he will not be in Miami, but in Savannah with his new girlfriend. Two weeks later is daughter's 18th birthday...again he will be on a trip with his new girlfriend. I am pretty much livid right now. (And, no...my daughter doesn't know any of this, nor am I going to tell her...it would really hurt her) I'm also feeling somewhat vindictive. I know that is wrong, but I feel like kicking him in the monetary nuts.
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GWs definitely aren't slam dunks, but in general, be brief and contrite, and don't be afraid to follow up and/or target a different executive if the initial attempts yield no response. We've seen some unexpected successes, after many attempts, from companies that are known to be unyielding. Other times you'll hit the right person on the right day, and poof. I wish you the best and hope this works out. -
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