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DAR77

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  1. Hi I noticed something weird today and i am wondering if anyone else has seen it or if its just an anomaly. Ive been monitoring my credit daily as i am preparing for a refinance. Last week I paid my BOA CC down 6800 to 142 dollars reporting, they wouldn't let me pay the interest early. The new balance reported to Experian a few days later per the report I pulled, i didn't see a score increase as expected. Figured oh well. Today I received an alert on my Fico that my balance decreased on Experian (the amount i paid down) and my score has increased 5 points. Nothing else has changed. Any thoughts ? Does Ficop scores calculate util changes different times. This is the 1st i have noticed something like this where i can log it like above. There were times i paid balances down paid for a full report, the updated balances reported but only to get a alert that the score changed a few days later. I have 2 more cards i paid to zero that cycle in the next few days if i can track it again i will and will report back. Thanks.
  2. you are correct in this process but it must be noted that OP will have to remember he will have to do this throughout the whole process from application to closing to make sure lender doesn't do a last minute credit check (which they will do) and screw up his DTI Good idea but im not diligent for that, it could blow up easily but thanks for the idea !
  3. There are bigger reasons than this not to carry balances. I dont understand your point.CV's point is you are reducing your standard of living. Carrying 65k in CC balances probably costs you something like $10,000 per year in interest. Not carrying those balances would amount to something like a 10k/yr AFTER TAX raise. What could you do with an extra $10,000 per year? Noted but i was using my free cash to day trade which has been profitable. Until it isn't. Hence me knowing when to get out and paying the cards... and this has nothing to do with the original question.... lol https://creditboards.com/forums/index.php?showtopic=611178&hl= Day trading isn't get rich quick like what this person did with Cryto's tell me where you can be wrong 50% of the time and literally make over 150k a year if you have the right discipline. Its discipline, proper stop losses and targets this is a poor example of day trading Both examples are people borrowing money to gamble. Why are SOME people here concerned on how i decide to MAKE my money ? This post isn't a "i have a margin call and cant afford it" post ? SMH !!!
  4. DAR77

    Credit Inquiry

    Even during a new home purchase ? i may not be able to wait til i close
  5. There are bigger reasons than this not to carry balances. I dont understand your point.CV's point is you are reducing your standard of living. Carrying 65k in CC balances probably costs you something like $10,000 per year in interest. Not carrying those balances would amount to something like a 10k/yr AFTER TAX raise. What could you do with an extra $10,000 per year? Noted but i was using my free cash to day trade which has been profitable. Until it isn't. Hence me knowing when to get out and paying the cards... and this has nothing to do with the original question.... lol
  6. Hi was going to post this in another section but i thought i was more appropriate here. Does anyone know defiantly if Grad Plus Loans applications are a hard or soft inquiry ? I know the Fed Student loans for Undergrad did not. Thx
  7. There are bigger reasons than this not to carry balances. I dont understand your point. CV's point is you are reducing your standard of living. Carrying 65k in CC balances probably costs you something like $10,000 per year in interest. Not carrying those balances would amount to something like a 10k/yr AFTER TAX raise. What could you do with an extra $10,000 per year? Noted but i was using my free cash to day trade which has been profitable.
  8. @ nooneimportant yes these are FICO from the mortage section of the 3b report and yes i have other cards with balances that i have paid to zero in the last few weeks
  9. Thanks, thats what i pay pay this month, next moth i can get PSECU and The CU under 70% There are bigger reasons than this not to carry balances. I dont understand your point.
  10. Hi Thanks to CB I have become pretty verse in my credit. Lately I haven’t “needed” a high score so my balances crept up. Now I want to buy a new house and trying to get my mid score to 680 or preferably 720. My current scores are EQ 627, TU 672, EX 656 I have the following balances PSECU 19k/20k Credit Union 14k/15k Barclays 5k/9k AMEX Blue Cash 9k/12k WalMart Visa 9k/12k Citi 9k/10k I have about 30k to pay off before my cards cycle this month. What do you think I should to get the max potential credit score boost? Pay PSECU and the Credit Union or Citi, Walmart, Amex and Barclays?
  11. DAR77

    Score Versions

    if i buy all 3 is it in the other score versions
  12. Hi can someone please clarify where i can get the following versions ? EQ- FICO CLASSIC V5 FACTA - MyFico Standard ??? TU- FICO CLASSIC (04) - MyFico Standard ??? EX-/FAIR, ISAAC (VER. 2) - PSECU & My Fico Mortage Version
  13. DAR77

    Credit Models

    Hi asking the old timers if they can remember a post I cant find via search. Im looking for a thread that has a image that has all the fico score models and where you can get them from. Does anyone recall that and can point me in the right direction ?
  14. In addition, when should the late be reported the month the late happened ie MAY or the month after ?
  15. Hi I has anyone ever had a late reported in the rears ? As an example, I was 30day late on my mortgage, be it 1 day past 30 days. I hear some mortgage companies wont report it unless your 5 days past 30 but who knows. So my question is, I paid my 5/1 due mortgage on 6/1. My credit report updated for May and says OK on all 3 bureaus. Is it possible when June reports they could update May or did I dodge a big one ? 6/1 mortgage was paid on 6/2 so I am not late and all current and July is current. Thanks

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