Analysis

I remember them. In college we learned Fortran, and we ran the programs on some VAX minicomputers.

I am looking for details about how to write and send a challenge vs a dispute. I am searching on the top right of this site, but thus far have found only unrelated posts and threads while using the keywords challenges and dispute. Most of the threads seem to be old, and I do not have a method of searching which brings me threads to assist. I am trying to remove some old NFCU collections, now just 1 year short of the 7 year drop off. They have been " disputed " many, many, times, with no positive deletions. 3 collections accounts on 3 different CR reports equals 9 negatives. Yes, I know I will lose age when I finally get them deleted, and I know NFCU is notoriously tenacious..... Any suggestions?

Get copies of all of your credit reports from the CRA's. You are legally entitled to receive them every year at no cost.

You might consider newer type Insurance companies like Root Insurance. These rates are based almost entirely on your current driving habits, measured by an app on your phone while you drive.

Thanks, everyone, I will digest these opinions and decide on the best course of action soon.

Thanks. She has no TIN. BofA used her passport number to set up the Visa account.

Thanks. She is not a US Citizen yet, she has a new SSN. She has no FICO's, as far as I know. I don't know how you are using the term " TIN ". Are you calling her Passport number her TIN? Not sure which system will automatically find her new SSN and match it to her BofA VISA. THe CRA's systems, or BofA's systems? Our addresses match on BofA and the issuance of the new SSN from the Social Security systems.

My wife is the recipient of her first ever SSN, and I am looking for ways to maximize her credit history over the next 6-12 months. She's been in this country for 1.5 years. Curiously, to me at least, BofA gave her a VISA credit card 1.5 years ago based on her Passport number from her home country, so she has 1.5 years of history we want to transfer over to her SSN in this perfect payment history. This credit card has a $10,000 limit and a $3,000 balance. I've kept the balance just to make sure they don't simply cancel the card when we walk in and ask them to transfer the number to her SSN. They still could, of course, but I think they won't. Between the two of us we have $15,000 in cash in BofA. So I am looking for suggestions about how to maximize her credit, get her the highest FICO's, and the best history. My plan is to walk into a BofA, get them to transfer the VISA to her new SSN, wait for it to report on all three CRA's, pay off the balance of the $3,000, wait for the zero balance to report, and then apply for 1-2 more credit cards. I am not the type to accumulate credit cards, so 3 seems like the best total, Suggestions?

Maybe, maybe not. I have over 250 apps on my Android and I haven't noticed any unusual update activity in recent weeks. It seems like a normal flow of updates on my system.

A critical question is how many apps are on your Android? 30 updates for 250 apps is a radically different percentage than 30 updates for 40 apps.....

They certainly matter on mortgage applications.....In terms of explaining them, nothing more.Easier said than done...... We don't know whethera brand new $15k line of credit will show up in a week with a big balance, then we have to reevaluate virtually everything. We re-run the tri merge the morning of the home closing..... New inquiries stop everything for the closing, the 2 families ergo were planning on moving that weekend, the escrow company, etc. What you are describing is a surprise inquiry that resulted in a new account, not a situation where someone properly disclosed this in advance. I hid nothing on my mortgage application, explained the 3 inquiries within 120 days and also that I had opened a new Amex card because of the 100K bonus at the time. You're missing it. An inquiry doesn't result in the instantaneous appearance of a tl... But we expect it might, and we stop plenty of mortgages in their tracks when we see some inquiries just prior to closing. Multiple inquiries? Company policies, the mortgage is dead for a time. I didnt miss it. The disclosure requires that you explain each inquiry within 120 days and whether or not it resulted in any new credit. If someone commits fraud, that is a different story. Im also not suggesting that anyone go on an app spree, but inquiries do not automatically stop a mortgage in progress. In our company they do exactly that. I work as mortgage closer in one of these biggest home mortgage company in the nation.

They certainly matter on mortgage applications.....In terms of explaining them, nothing more.Easier said than done...... We don't know whethera brand new $15k line of credit will show up in a week with a big balance, then we have to reevaluate virtually everything. We re-run the tri merge the morning of the home closing..... New inquiries stop everything for the closing, the 2 families ergo were planning on moving that weekend, the escrow company, etc. What you are describing is a surprise inquiry that resulted in a new account, not a situation where someone properly disclosed this in advance. I hid nothing on my mortgage application, explained the 3 inquiries within 120 days and also that I had opened a new Amex card because of the 100K bonus at the time. You're missing it. An inquiry doesn't result in the instantaneous appearance of a tl... But we expect it might, and we stop plenty of mortgages in their tracks when we see some inquiries just prior to closing. Multiple inquiries? Company policies, the mortgage is dead for a time.

They certainly matter on mortgage applications.....In terms of explaining them, nothing more. Easier said than done...... We don't know whethera brand new $15k line of credit will show up in a week with a big balance, then we have to reevaluate virtually everything. We re-run the tri merge the morning of the home closing..... New inquiries stop everything for the closing, the 2 families ergo were planning on moving that weekend, the escrow company, etc.

All you need is a small balance. We usually recommend $3 on one card when the statement closes because some cards forgive smaller balances when the statements close, leaving you back at $0. Couple of caveats in case they apply: A small number of banks, most notably US Bank, report your balance as of last day of the month instead of the statement date. Also, if you have a Chase card with a balance that reports, paying it to $0 will cause Chase to update your balance to $0 mid-cycle, which will negate the benefit of the balance reporting. This is excellent advice for anyone with credit cards. I really wish we could implant this idea into the heads and habits of the rest of our citizens.

They certainly matter on mortgage applications.....