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shifter

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About shifter

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    Bump Influence Scroll Keeper V <3
  • Birthday July 27

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  1. It's true you need to get rid of the address. However, there are other ways to do that without moving as mentioned in that thread or other threads that I've posted in. But if you aren't going to follow through to get the BK fully deleted, fighting the duplicate entry is fruitless. Your actual case number has 3 letters at the end, however, it's typically listed with just the numbers. They must have gotten it from two different sources.
  2. Me: 801 (-8) - 2 new inquiries Wife: 764 (+37)
  3. small CLI on my Citi DC today. $16k -> $18k
  4. 809 (+0) - still using the $2 trick with the refi in progress. highest ever and twinsies with CV! Wife: 727 (-44) - FICO5 is super sensitive to balances sometimes
  5. Well turns out it worked out OK. I was able to get rate locked at 2.5% yesterday even without a 740 score (728). So yay me!
  6. Well, that's disappointing. EX finally updated my last balance and the $2 trick increased my FICO 2 exactly zero points over multiple cards with balances and 24% total util. I think it might be a case of bucketing. FICO 8 doesn't seem as sensitive to bucketing, but I remember from conversations with the old schoolers that sometimes it would take 2-3 months after paying down balances to get rebucketed into the 1% util bucket and see a score increase.
  7. First time in a couple of years that I've bothered to tailor my balances. Used the $2 trick to prepare for a refi this month. Happy to see the highest score I've ever had!
  8. EQ is typically awful about removing AU accounts. But EQ is also useless for calling. The CSRs can't do anything. Have you tried filing a dispute on their website? Not recommended for most disputes, but that's worked for me in the past. Another option is by mail. CFPB is not necessarily going to help you anymore.
  9. 763 (-10) Wife: 797 (+30)
  10. CLI day with NFCU for the wife. Got another small boost $7.5k -> $11.5k. That's two $4k increases in a row. At least things are finally moving forward after they kept her capped so low for the first 18 months.
  11. Crazy difference in EX FICO2 and 08 with balances. Had a card report at 87% yesterday. FICO08 drops 1 point. FICO2 drops 23 points.
  12. Nice, a useful card and Citi actually likes me.
  13. With interest rates continuing to be low, I've been looking to refi and in a few days it will be 4 years from discharge. EX is going to be my middle score, so I checked my FICO 2 available on my CCT subscription. I've checked it a few times in the past year and as recently as last month it's been 680-700 depending on my CC balances at the time. Well, I check it for this first time this month and it's at 719! Certainly wasn't expecting a random 40 point bump. It looks like I just hit a threshold. Some things I can think of: 4 years from discharge Not sure if that
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