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Demonico

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About Demonico

  • Birthday 06/02/1982

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  • Interests
    Mathematics, Economics
  1. The weird part is that the balance updated on that card again over the weekend. It is now reporting 0. The other strange part is they only did it to my Amazon and not the Freedom that I've only had for a month, yet the Freedom is the one I've been using more.
  2. I wonder if I mis-stated something over there. For a couple of months I didn't have a mortgage reporting because the servicing was sold... and the old servicer had updated my balances to zero and stopped reporting before the new servicer's reporting began. My mortgage was the only installment loan of any kind, so it was interesting to me in the context of the FICO experiment to be able to watch what happened to my scores when I only had revolving trade lines updating with balances. A couple of days ago the new servicer started reporting, and with an installment loan reporting the bu
  3. I'm not expecting any major jump in score this would mainly just add an installment TL. I would like to purchase a house in a few years, or at least have the option to purchase. I normally buy furniture on Craigslist or sometimes goodwill or salvation army. I'm not lookin to spend a lot. Maybe just a futon or something. As far as living in a dollhouse...my girlfriend says I look like "Ken". I wouldn't bother if that is your goal. The only instalment loan I had when I bought my house was a car loan. That car had been repo'd 4 years earlier and was paid off a few weeks before I
  4. I'm glad my mortgage was only sold once thus far. I don't know that I'm tenacious enough to follow through in a situation like you had. CV, I thought I read in the experiments thread that you had paid off a mortgage and had a date listed where that began reporting. Did you just mean that was when the previous one was paid as a result of the refi?
  5. No idea. I was really hoping for a balance update, too, for the FICO experiment thread. I figured that is why you are so gung ho about it.
  6. They seem to be all about PC to QS right now so you may be able to do that w/o talking to the EO. Regular CS offered to swap me to QS1 but I wanted the regular QS so I talked to the EO, didn't get it but they did waive the AF so it is close.
  7. Weird. I've not had this happen before and I've had the card about 18 months. I'm wondering if it was because I just opened my freedom and they reported that about for the first time about the same time.
  8. I saw these earlier this summer, when I was studying alternative energy in a Chemistry class. This is going to be great one day. There are some scientists in Mexico City who are trying to implement streets that generate electricity from the kinetic energy created from cars driving on the streets. That should be interesting as well. I don't get too excited about this stuff because it will be taxed to make up for any lost tax revenue from whichever energy source(s) it replaces. For the consumer it will be a net gain of almost nothing financially, even if the cost of energy production
  9. Your score isn't 728 only because you have too many inquiries. You were denied for your score AND too many inquiries. What's keeping your score in the low 7s? That's your culprit, regardless of what the letter says. Nothing I can think of, I do have short history...oldest account is 5 years. Util is ~3% most of the time. No derogs on any of my cr's. Then you were denied for having a short history AND too many inquiries... or your score AND too many inquiries. It's never JUST too many inquiries. Took me awhile, but I found the letter they had sent, the only reason it state
  10. NPSL = no preset spending limit
  11. That's adorable. I see the OP removed the obscene image in his sig. Hope he doesn't go back there. yea while members were viewing that FILTH Troll?
  12. Worked fine for me this morning. I'll check it now.
  13. I saw these earlier this summer, when I was studying alternative energy in a Chemistry class. This is going to be great one day. There are some scientists in Mexico City who are trying to implement streets that generate electricity from the kinetic energy created from cars driving on the streets. That should be interesting as well. I don't get too excited about this stuff because it will be taxed to make up for any lost tax revenue from whichever energy source(s) it replaces. For the consumer it will be a net gain of almost nothing financially, even if the cost of energy production
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