
Shane
Members-
Content Count
1,366 -
Joined
-
Last visited
Profile Information
-
Location
Texas
-
Interests
Computers, Cars, WRC, my wife, Trance
-
File is thick No FCRA anything I am still lost as to why they said that.
-
I joined PENFED a week or so ago and today I got a letter form them saying they were putting restrictions on my account due to: No credit file/activity. I searched for that term but I came up empty. They used EQ and my current EQ FICO 8 score is 601. My scores are creeping up slowly. 5 day hold for all deposits 5 day hold of Share Certificates or IRAs ACH transfers not permitted, only direct deposit I joined PENFED just to get my feet wet. What does No credit file/activity mean?
-
-
-
I joined PENFED a few minutes ago. I do not see a link to click for my FICO score. How long before I can see my FICO score?
-
-
Through sites and my banks I can get EX (FICO 08), TU (FICO 08), and EQ (FICO 09). Is there any way to get free EQ (FICO 08)? Heck I will take any other free FICO scores.
-
I was looking up insane prices for the 2020 BMW 3 series when I saw a link for "Check your credit score" at the bottom of the main page. That link leads to "intelliprice.com" The fine print reads " The Equifax Credit Score is based on an Equifax Credit Score model and is not the same as scores used by third parties to assess your creditworthiness. " Does that mean its a FAKO score? They say you dont need your DoB or SSN to get your score. I am suspicious so I stopped at the first name, last name, email address page. The FAQ shows " The credit scores provided under the offers described here uses the Equifax Risk Score which is a proprietary credit model developed by Equifax. " Has anyone ever used this service?
-
I called Chase. They admitted they were having server errors. I called USAA. They admitted they had interface issues after a brief talk, the nice lady on the phone said I should work in their IT center.
-
EQ reported today and I lost 46 points.
-
Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score. myfico and their alerts suck... you should check with CCT, or some other place. I thought you had a late pay 12/2016 that dropped your scores? (per your siggy) I started paying attention to my credit (like a hawk) again in Dec 16, hence my sig. I checked my report with USAA and it was not updated but it did tell me that if I paid off my installment loans I would get a 34 point increase. OIC. Apparently, USAA also sucks ETA - This is the thread that made me think your late was recent... https://creditboards.com/forums/index.php?showtopic=581225 I guess NFCU released they screwed up because a month after that reported (reported as late) NFCU report that the account was in good standing and the late disappeared.
-
USAA - I tried to pay my CC bill but their payment system was down. Chase - Tried to change my password, it would never take. Finally, I thought it would take but nooooo the page refreshed a bunch of times and I was auto logged out. I tried to log in but Chase won't take any of my passwords. I am now locked out. Thanks for nothing USAA and Chase. Fix your stupid systems.
-
Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score. myfico and their alerts suck... you should check with CCT, or some other place. I thought you had a late pay 12/2016 that dropped your scores? (per your siggy) I started paying attention to my credit (like a hawk) again in Dec 16, hence my sig. I checked my report with USAA and it was not updated but it did tell me that if I paid off my installment loans I would get a 34 point increase.
-
Have you checked your reports thoroughly lately, like in the last few days? You may have received some major AA, since that late hit your reports. I have the FICO Ultimate 3B subscription and I have not had any AA alerts. My most recent 30 day hit one year old on 2/1 but I do not think that would have killed my score.
-
I will be able to use the cash I had used for the car payments to pay down my UTIL so I will see if I get the points back. It sucked because the yesterday I received a 5 point increase on EX and I thought things were looking up.
-
I read through the installment trick so I expected a 25-30 point drop. I have not seen where anyone lost as many points as I did. Maybe I lost that many because I paid off two loans.
-
None. So far this has only happened on EX. The loans were on all 3. Time will tell.
-
I dont have time to post a screenshot of the alert but yes, I lost 40 points on EX for paying off both of my car loans. I now have 3 paid car loans. Thanks for nothing EX.