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  1. It's official that I have hit above an 800 FICO score at age 20 without any AU assistance. My FICO scores are now EX 795, TU 787, EQ 807. I posted the link of my thread from a year ago. I want to announce to you guys I have finally pulled off an 807 score without any AU boost. You can also see my thread on myFICO https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Turned-20-and-over-800-credit-score-without-AU/m-p/5375909
  2. This product will offer free credit lock for life.
  3. Oh yeah I'll come out a little ahead because I'll get cashback on the processing fee.
  4. What card would you recommend? I'm trying to avoid points for vacation and get more cashback.
  5. My school has a 2% surcharge for paying by credit card. My paypal cashrewards gives me 2% rewards. I was thinking that although I won't come ahead with cashback, I can get the benefits of using a credit card. I can also make a positive impression on paypal as a high spender and thus getting better customer service and better limits. Click select payment method and it'll display the message about 2% https://umd-bursar.fasttransact.net/Web/PaymentCodePayment.aspx?tkn=Pab4J9I2F1aUp7ALGzMx0o2LRSPGcC9701AhLpiwvmKn6Jt3JUBQswbjhO0wtVDvuV My question is whether or not it is worth to pay my tuition with a credit card and I'm leaning towards yes.
  6. Thanks for changing the title. I will report back to this thread on my 20th Birthday to let you guys know what happens.
  7. Right now my Transunion08 is 760 and my Experian08 is 771. I turn 20 in October 2018 so there's like 10-11 months left to increase my age. My oldest account is a discover card opened 1 year and 1 month ago on my 18th Birthday. My youngest account was a Paypal cashback card I got 1 month ago. My average age of accounts is 8 months old.
  8. I applied for at internship at CSRA and got the offer. I'm being offered $19/hr at CSRA which is under what other interns at CSRA get. https://www.glassdoor.com/Intern-Salary/CSRA-Internship-Salary-E1140564.htm I'm in my 2nd year at UMD studying Computer Science.
  9. It says on the cardmember agreement that I am bound to an arbitration clause unless I mail in a notice saying I would reject the arbitration cluase. This would cost paper and stamp money and I'm not sure if Paypal Cashback card would get closed, limit decreased etc but I would at least gain some more legal rights should something come up in the future. I want to ask what is the risk that adverse action is taken against my 2% card if I were to reject the arbitration clause?
  10. If I kept my CashForward card open by putting 99 cents on it every month using Amazon, will Barclays take adverse action against me for getting free money on Amazon? https://www.doctorofcredit.com/small-balance-waiver-a-k-a-lots-of-free-99-cent-amazon-gcs/ I asked this myfico thread about Barclays and they indicated that the Bank is aggressive with Adverse Action. http://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-Barclays-Cash-Forward-card/td-p/5031195
  11. Says who? The myfico community. Here was my post about it. http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Barclays-Cash-Forward-card-approval/td-p/5031040 http://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-Barclays-Cash-Forward-card/m-p/5031926#M1471065
  12. it's at 3k? they must have already given you the CLD? It started at 3k
  13. I will most likely do exactly that.thx Just got the sign up bonus.

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