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takeshi

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  1. VantageScores are products of VantageScore Solutions. FICO scores are products of Fair Isaac Corporation. Going to CK, Mint or a CRA isn't going to get you the answer you're looking for. Going to FICO to ask about your VantageScores isn't either. Even going to the company that produces the scoring model won't. They're not going to explain exactly why you got the score you got. Any model is evaluating the report data as designed. Whether or not that design is relevant is an entirely separate matter. It's really up to you to carefully review report data from before and after th
  2. Here's another thread on page 2 of this subforum as of my reply and this is just one of many examples: https://creditboards.com/forums/index.php?/topic/616378-um19-point-tranunion-drop-from-a-pull/
  3. I avoid letting stuff like that accumulate. For Kroger and other stores that require a card "for low prices" I use an alternate method like punching in a phone number as plan B. Plan A is to just avoid such stores to begin with and hit stores that offer low prices without requiring a silly card. For the punch cards, every shop I've hit that uses them will consider 10 cards with 1 punch each the same as 1 card with 10 punches (or any other permutation that gets you to 10 punches total). No need to carry such cards all the time. Even when traveling internationally I only
  4. You don't have just one real score. There are many scoring models used by creditors. It's not fake/real that matters but relevance. If you intend to apply with Creditor A who uses CRA 1/model X then only the CRA 1/model X score will be relevant in the credit decision for that product. Other "real" scores aren't going to be relevant. Even with FICO there isn't just one scoring model. IIRC FICO 8 is still the most commonly used model but it is definitely not the only FICO model used by creditors. You cannot use a score generated by one model to determine a score generated by a
  5. In addition to the above, you can look at your reports to see how your cards are reporting. Scores can be generated at any point in time. The score on a given date will reflect whatever is on the report at that point in time. Your scores will never reflect current balances as reports don't have access to current balance. They can only reflect reported balance. Creditors report to CRA's. CRA's do not access your account information such as current balance.
  6. IMO people tend to fixate too much on usage a bit like they tend to fixate on inquiries. Usage can play a part in some cases but it won't overrule one's credit. A creditor's decision isn't made solely on potential usage. The primary consideration is risk of default. That's why derogatory information weighs so heavily and why utilization also plays a significant role. Those are considered to be major risk factors.
  7. I don't have a link or anything but any time a site's search feature doesn't work for me I use a site restricted Google search. For this particular case I'd use these keywords: alliant hack site:creditboards.com
  8. Not if you leave (i.e. carry) a balance. Be aware of the difference between having a balance report and carrying a balance. You don't have to carry a balance to have one report. If you pay the statement balance in full after statement date & by the due date then a balance will have reported on the statement date as indicated above.
  9. Income verification is standard industry practice even though it is not performed on every credit card customer. AmEx is not unique in verifying income by a very long shot. The difference with them is they have typically used the 4605-T for income verification.
  10. You don't get the CRA's to update. You get your creditors to report. Contact your creditors and see if they will perform a midcycle update.
  11. Yeah, there is not high likelihood of getting approved for all of them. You definitely want to read up much more before assuming approval likelihood. Credit seeking activity and new credit certainly matter, though, as others have said, it sounds like you're wanting approval instead of information. If you're just going to do what you're going to do then by all means go ahead and see for yourself.
  12. A month is no time at all. You definitely need patience when it comes to building credit. Stop applying for now as it's not helping your situation.
  13. The hype doesn't matter. Whether it suits you or not is what matters. Look at your spend versus the bonus earning categories. Do the math. Figure out what sort of redemption value you can get per MR point. Consider whether the benefits would be of use to you. Some find it worth it. Some do not. Just as with any other card, it's not a one-size-fits-all matter. We can't get much per MR point (whereas we can get much more per UR point) so it wasn't worth it to us past the first year. Your results may differ. You may want to do your research on an actual computer versus your phone.
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