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Wildchilde36

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About Wildchilde36

  • Birthday March 1

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    Texas

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  1. So seriously, have a small balance in no interest. Thought I would start on it and paid I think 500 on it. Balance goes down right? You would think a lower balance would make the score go up? WRONG. Punished 8 points for paying on it. What the heck. This is not the first time I have noticed this. Is it just me? Happening to others since the Rona? Here’s a pic. Well it won’t let me post a pic. But. It’s off myfico. Experience, your balance dropped by 500. Score now 739 -8.
  2. I ran across a post I found interesting. The poster was inquiring about paying off all his bills except mortgage wondering about it lowering his score. I am curious how that worked for the original poster and all your thoughts. I am aware paying off credit cards will do nothing so your score but possibly raise it but what about the loans? Most referred to the cards in the comments and not the loans being paid off. Before I had learned that you had to have credit cards I thought paying your loans and paying them off was a good thing but when I had tanked our score (68 points) by payi
  3. Thanks Y'all. Was just curious. Just figuring out how the balance drops been giving me a score drop. It will change soon I'm sure.
  4. Has anyone noticed a change in the way the bureaus are updating? Instead of doing it when something reports it's more like once a month? When you pay on something and the balance drops you get a score drop? For example, small zero interest (best buy) i use about once a year and always put something on the zero interest and let it roll out on a basic to give it a few months of payments. But you add an extra hundred to it and the balance drops. I take a hit of 5 on Tu, 6 on EQ and 2 on ex. But yet something that has had a balance drop of 700. does nothing to the score. Updating see
  5. I agree but not sure how well they will listen. Personal loans are at a higher rate but would probably be a better option for them. I think the house may be financed through a local bank so a line of equity to pay off? There has been a friendly divorce and also wants to get the ex's name off the loan as i goes towards her debt to income, I think that may be the main motivation. suggestions? should I ask in the credit card forum? Thanks for the link, will read it now!
  6. A friend has been trying for a few months to refi w/ cash out with quicken. If he chooses to drop that due to constant changes of one thing or another..... Is that considered a conventional mortgage? Home equity? I as looking at navy fed and pen fed and it does not list mortgage w/ cash out as an option. His cash out is around 22K to get rid of credit card debt. Suggestions on how to advise? They are telling him his score is 670 (what quicken said) I'm sure s low because of the credit card debt.
  7. I am wanting to do a BT, currently have an offer from chase $0.00 BT through their credit (journey?). I have a citi 2% card $0.00 balance and was considering apping the simplicity. current fico's are 718,713,716 with current fico 8's at 698,699,717 (eq, tu, ex) 1 inquiry august? 2018 and a week ago from Chrysler. Any advice on choosing one over the other?
  8. Here are the requirements for one of our current checkings. 2.25% APY* on balances up to $7,000 0.05% APY* on portion of balance over $7,000 Resulting in an APY between 2.25% to 0.19%, for example, on a $100,000 balance* 0.01% APY* if qualifications are not met Nationwide ATM fee refunds up to $25 per month* (up to $5 per transaction) No monthly service charge I am wanting to use this sort of like a savings. We currently have DH checks split between here and the CU where all our loans are. (never thought of doing more than two splits on the check)
  9. I'll check w/ my bank and see if they charge. Thanks!
  10. What's the easiest way to move your money from one account to the other without physically going between banks. Is there a favorite app you use? Do most just tie your accounts to PayPal?
  11. I probably should have apped for the amex business card. I would have more than likely not met the SUB BUT... it does give 5% back every month on cellphone bills. I was pulled in to the cash magnet today instead got a 10K approval, unsure of hard or soft pull or where. I doubt they would let me do the business card now but the phone bill would be the main bonus to it. heck even if it had a low limit 5% back on that is good. One more ?. I now have the 1.5% (cash magnet) DH has the Chase freedom and we both have the amex blue something no annual fees. Would it be better to on one o
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