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About Menta33

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  1. Last March, my Fico 2 mortgage score at Experian was 812 and my wife's was 807. This was with utilization at 0.4% and no recent accounts opened.
  2. The interest rate varies, 810 or higher gets the best rate.
  3. Here is what MyFico says (in the order listed in the report) for their mortgage score for my wife (middle score 775): You opened a new credit account relatively recently. You've recently been looking for credit. The amount owed on your revolving and/or open-ended accounts is too high. You've made heavy use of your available revolving credit. You have too few or too many credit accounts. You have too many credit accounts with balances. You have a short credit history. And for myself (middle score 772): You opened a new credit account relatively recently. You have too many credit cards and/or open-ended accounts carrying balances. You have too many credit accounts with balances. You've recently been looking for credit. You've made heavy use of your available revolving credit. You have a lack of recent activity from a non-mortgage installment loan. You've recently opened too many new credit accounts. I wonder if I should close the Goldman Apple card I opened in October 2020, then dispute it as being closed? Same for Delta Community Credit Union opened in March 2020? My average age is 10 years, my wife's is 8 years. My oldest two are 52 years, my wife's oldest is 15 years. Barclay's was opened 12/2012 (so losing it would not hurt average age) and on both our reports, but represents 83% utilization and is the worst in that category. Overall utilization is 30%. Abound is only my report at 72% utilization and opened 03/2017, so losing it only helps average age. Paying these two down would make overall utilization fall from current 29% for me 31% for my wife down to 6% for me and 11% for my wife.
  4. I'm applying for a mortgage at Merrill Lynch in their Asset Management department and they don't to Rapid-Rescore like a normal mortgage application at BofA does. I need to get my credit reports updated before the statement cuts mid-January. If possible, I'd make early payment on two accounts that last reported high utilization, then get these two corrected at all three bureaus, then have mortgage credit report pulled. One credit card is Barclays Bank, the other is Abound Credit Union. I tried calling Barclays and they said they could not report early anyway. It seems all that is out there is for banks only to hire, so I'm wondering if there are there any services I can buy as an individual to help me do this? If not, what are my options to get a quick correction on these credit cards?
  5. The over weekend staff is pretty lame (probably contracted out), but I got escalated to the daytime staff who called me and this CSR was quite helpful. They reversed the $21 in fees I had been charged and waived the fee for several more months while I bring the balance up to $500. I also nicknamed the account to describe the $500 min (to avoid fees) and set an alert if the balance falls below $500.
  6. Thanks for taking the time to explain, much appreciated!
  7. I have no idea what you are saying here, perhaps you could elaborate? Who is the 'he/his' here, what Credit Union argument is he making, what dividends and notes is he reaping?
  8. Wish I had known this, I just paid off my loan in March and just noticed that they "thanked" me by now charging $3/month (with no notice) until they drained my savings. I guess they are trying to eject me as being unprofitable customer after paying off my second car loan with them.
  9. I've never had a stolen card before. All my other fraud issues have been with someone guessing the number somehow. It never occurred to me that someone had the physical card since I've never had that happen before so it did not occur to me to look for it. I don't recall what they asked me first time, they may have and I said yes, not thinking about it too hard. Better would have been for them to ask for the ccv number on the back to prove I still had it (or had previously recorded that number). The other strange thing I do recall about that call was fact that my wife's card number which I did have in hand was matching my account number even though they insisted her card had to have a different number than mine. Clearly their records were broken on that one since I had it in my hand with my number on it, not her authorized user number on it. They sent a replacement for her card, using same number as before for her card that I supposedly already had.
  10. I was unable to locate my old card which I looked for when folks suggested the actual card was used for chip reading. I let CapitalOne know the card is missing and they reinstated the fraud claim. The online charge (which was much less) remains open, they said since online, they have to send to Walmart.com to look into it.
  11. Two transactions in two different stores about 20 and 35 minutes drive from our house and one online which they kept as disputed. It was just the in store ones (which were for much more money) that they rejected. You'd think they could just bring up surveillance cameras and identify whomever made the charges and prosecute them instead of saying we benefited from them.
  12. I discovered fraud on my Walmart store card from CapitalOne and disputed the charges. They have mailed me a replacement card. CapitalOne just wrote me: We do not believe we made these charges. How should we best proceed to try and recover the monies lost due to fraud?
  13. I do as well as my memory serves, I've no written record of 1994 BK any more and 26 years is a long time to recall each creditor IIB. Correct, mystery is now solved thanks to Citi responding with a helpful denial letter that gave details of their thinking and reminded me of history and explained:
  14. Today, pulled my monthly tri-bureau, almost had triple-play, but TU was at 849 due to utilization just above 1%.
  15. I'm in good shape there, although they did not ask about assets, only income. But my 23 lines are about 1.6 times annual income.

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