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Chexsystems Help
Discussion and help for consumers who have trouble getting a bank account.
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Our picks
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Experian Credit Check Total-what the he**????????
trying2getbackin posted a topic in Credit Forum,
I have had this service for the last 3 years, 24.99 per month for daily pulls on all 3 bureaus. Today I could log in, I called and was told I was "upgraded" to their new platform. The monthly charge is the same, but instead of daily pulls on all 3, it is now only once every 90 days. Pay the same but now get less!! Also, the new layout is horrible!! Anyone else been "upgraded" to? How do you go back to the old system? If you can't, where else do they provide daily reports and scores for all 3 bureaus?-
- 8 replies
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A year after BK..low scores and still overwhelmed
ch1c posted a topic in Credit Forum,
Hello all,
I filed bankruptcy last year and was discharged 7/20/17. Good news I guess - but my scores still suck, currently my TU and EQ scores are in the low 500s. My EX score was at 600 last time I checked.
I have floated in and out of this forum and other websites looking on how to start the rebuilding process and just end up feeling overwhelmed. I aspire to have better credit, just don’t know where to start and feel kind of hopeless.
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- 11 replies
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Happy Dance: My TU Score jumped 109 points to 790!Happy Dance: My TU Score jumped 109 points to 790!
powers64 posted a topic in Credit Forum,
I just came to do a little happy dance. I have been a member of this board for over 10 years. I have struggled a lot. I made some progress, got some cards, then had some medical issues in 2011 and everything collapsed. Back at it. About 3 years ago, i started really working at it again, but all of the 2011 issues were still haunting me.
Finally this year, i made a bunch of progress.I still had only secured cards until a couple months ago when i finally got a Citi AA card with a $8400 limit - the largest card limit i have had in decades.
This week, 2 of my last baddies dropped off and voila! HUGE score jump. I am so excited! Thanks to everyone over the years that has helped. This board has been a constant source of support!-
- 10 replies
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Choosing the Best Rewards Card for My Spouse
cv91915 posted a topic in Credit Forum,
My spouse will only carry one credit card, and the only requirement is that it has to be a MasterCard or Visa.
His primary card in 2018 was an AU card on my Aviator Silver account. With the 2019 AA EQD benefit devaluation that was recently announced, that card is going to be history.
In this thread I will run his 2018 spending against the reward structures of several replacement card candidates for comparison.-
- 28 replies
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Chases 5/25 rule & unsecuring DCU or US bank cards
powers64 posted a topic in Credit Forum,
3 years ago, I applied for 2 secured cards and a Cabelas which has a low limit. My scores are now in the 700's and I am getting great cards with high limits, so I am not sure what to do with my older cards. I need to keep them for age. Should i leave them be or try to get higher limits or try to get them unsecured so i can get my deposits back?
Of note: i would like to apply for a couple additional Chase cards in the next year or two and don't want to do anything that will contribute to my 5/24
Here are the cards and dates:
US Bank Secured: $500 opened 1/15. my understanding is they will generally unsecure, release the funds and i keep the same account. does that mean there will be no impact on my age or 5/24? DCU Secured: $5,000 opened 2/15. My understanding is that they do not unsecure. I would just have to apply for a new card. I want to keep this open for the age, but likely won't use it much. Does it hurt to take out 4,000 and just leave it with $1K limit? Cabelas: $750. Now owned by CapOne. I am inclined to just sock drawer this one. If i ask for a higher limit does that hurt my 5/24? It is only new accounts that hurt, right? Citi American Airlines: $8,400 Chase Sapphire Preferred $12,500
Thanks for any suggestions!
Powers-
- 3 replies
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Posts
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Thank you for all of the kind applause. I feel like it is official as I received an updated report from Experian today showing a TransUnion score of 804. -
By Morpheus1967 · Posted
Just out of curiosity, why do you need to pull every day? -
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Thanks Big Bear! I had fired AMEX ages ago for their incompetence. Finally got a card earlier this year and just added another, had no idea about the NO hard pull, that's a nice policy. In fact they did not even do a new soft pull to update my FICO Score! IIRC closed ALL my AMEX cards in 1996 and never looked back. -
By GudinoHarvesting · Posted
Find a dealer that has a commercial department that knows what it's doing. If you're going to PG it with those scores and UTIL you'll be fine. Make sure that the applicant is your corporation and that you are just the personal guarantor. If they make you a co-applicant then it'll show up on your personal credit, and if they don't make you a co-applicant and just a personal guarantor then it won't show up on your personal credit. Build up your business credit a bit and then you won't have to PG your next business vehicle
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