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Demonico

Inactive Members
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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 bump to my score was +7. I noted that in the experiment thread. I haven't read that thread in a while and usually I just read it in passing so it is entirely possible I read it out of context.
  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 app'd for my mortgage, so it wasn't reporting positively.
  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 drops significantly. While I'm not super into green movements and the interlude in the video isn't really all that meaningful to me I do like the idea of replacing fossil fuels. I also think we can do better than Germany: http://en.wikipedia.org/wiki/Solar_power_in_Germany I'm with you, and I look at energy independence as more of a national security matter. Also, one of my biggest pet peeves is hypocrisy. In this part of the country people drive their Priuses around with their smug faces and "Save the Planet" bumper stickers, and then park those silly cars in the garages of their 5,000 SF homes that burn as much fuel for heating and cooling as an average Home Depot store. OMG, I hate that. I just wish the power company here hadn't lobbied so hard to get solar panels on private residences to be cost prohibitive. Solar technology isn't that expensive anymore but god forbid you want to connect it to the grid here.
  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 states, and is bolded is "Too many inquiries indicated on Credit Report" Information was obtained from Experian...blah blah blah, on the back it shows credit score of 730 and negative factor : Too many recent inquiries I'm sure that's what the letter says. If your FICO was 830 and you had 11,000 inquiries you would have been approved. If anyone had 830 with 11,000 inq I'd love to see it. Mostly I think I'd find 11k inq interesting b/c at some point I think you'd run out of things to apply for and you'd never see that many on EQ or TU Also, I think that would test the limits EX has
  10. NPSL = no preset spending limit
  11. +1 and report back. We love these kind of stories.
  12. 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?
  13. Worked fine for me this morning. I'll check it now.
  14. 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 drops significantly. While I'm not super into green movements and the interlude in the video isn't really all that meaningful to me I do like the idea of replacing fossil fuels. I also think we can do better than Germany: http://en.wikipedia.org/wiki/Solar_power_in_Germany

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