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Mo007

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  1. I received a filed tax lien letter from IRS couple of days ago. The letter says the lien was filed 10 days ago (1/18/17). I'm trying to dispute this with the IRS too, but I feel the ball has unfortunately started rolling and could be on it's way to report it to the credit bureaus. The actual lien hasn't shown up yet on my county's registerer's records (as of today), which is usually the first stop for these IRS liens. How soon does an IRS lien show up from the filing date? Does the lien need to show up on county records first before it makes it to the credit bureaus? Thanks in advance!
  2. New Car Application: Your Age? 37 Your Equifax Credit Score? 720 Your Experian Credit Score? 720 Your TransUnion Credit Score? 725 How many years have you been on file with Equifax? 9.5 How many years have you been on file with Experian? 9.5 How many years have you been on file with TransUnion? 9.5 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? Yes How many late pays within the last 12 months on the currently open loan? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 30% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 2.5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $2,400 How long have you held your current job? 6 years Your total provable monthly gross income is? $20,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Tax return (self-employed) Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? N/A Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $30,000 vale trade-in from current car (fully owned) Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Utilities, wireless service, medical, apartment. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 New or Used vehicle you are considering: Please very briefly describe. New Car: Porsche Macan Turbo ($95k). After trade in value, $65k (financing)
  3. I applied for the Amazon Prime Card and was approved for $2,400. I couldn't locate the chat feature on their website, but decided to call the number from my approval email. I was told they would another hard pull to see if I can get a higher limit (was looking for $4k, because of my current business orders from Amazon). I decided against it and said will wait for my card. So you can get CLI through a chat with a representative? If so, please share more. Thanks!
  4. See this discussion about my AMEX reinstatement: http://creditboards.com/forums/index.php?showtopic=530404&hl=
  5. AMEX would not reinstate my blue cash preferred, so I had to reapply for new AMEX BCP. I was approved for $4k. Will do 3x in 60 days... hopefully it works.
  6. Thank you! It was all patience and reading tons of other people experience on CB.
  7. No... Because I had $200 limit when I joined this boards. Just sharing some info. If you don't find this helpful, then why cramp my topic? Should have added that to begin with! Very nice Thanks. I didnt understand why you assumed self boasting when someone shares progressive experience.
  8. No... Because I had $200 limit when I joined this boards. Just sharing some info. If you don't find this helpful, then why cramp my topic?
  9. So I decided to test the water today and request credit limit increase on my cards. Got some mixed response. JP Morgan Select: $50k (hidden trade line is 2x the limit, which is $25k) Bank of America Business: $20k Chase Freedom: $18k (requested $25k but only gave me $3k increase from $15k. Reason? JP Morgan Select is at $25k... Smh). Amex Platinum Business: $8k (I once had $50k, but card was cancelled then reinstated with $8k. I should be able to increase this to $50k again in the future) Amex BCP: $4k (another reinstated card, but 3x limit increase shouldn't be a problem down the road). Total: $100k Now... I' confident the Amex cards can get me another $50-75k lines alone, and I think the Chase cards can go up too by $20k-30k combined. I'm not big on opening on new cards, and rather stick with what I have now. Still disappointed that my Chase Freedom hasn't allowed me to go above $18k. Oh well...
  10. Mo007

    Fico Score 820

    The highest I have seen on these boards were 840 range i think, but never 850. You have to have be credit of 10+ years I think, spotless inquiries and 50 shades of revolving and mortgage accounts. If 800 score is the 1% risk based of society club, as Fico claims. Then 850 is the 0.01%.
  11. Mo007

    Fico Score 820

    There is a chance I could hit 850, but is 850 even possible?
  12. Mo007

    Fico Score 820

    Yes, specially some of the loans had different interest rates.
  13. Mo007

    Fico Score 820

    I was in school for 4 years undergrad, then took a 4 years break, then another 4 years profession schools. So total 8 years in school.
  14. I pulled up my EX fico score today, and I was surprised to see it break 800 score. More about my CR: Oldest Account: 8.5 years. Revolving Accounts: 4 (Chase Freedom, Capital One, AMEX, Macy's - total about $45k in limits) Mortgage Accounts: 2 (both 2 years old) Auto Accounts: 2 (1 is 3 years old, 1 as a co-signer) Student Loan Accounts: 27 (the lender apparently prefers to break 1 account into 27 small ones based on semesters I was in school) Paid Off & Closed Accounts: 2 (1 auto paid off, 1 credit card closed) Utilization: Less than 10% Collections: None Public Records: None Inquiries: 1 (last 12 months) You can see in this image, that only my payment history was great, everything else is average. So room for growth. Hope this helps other CB members.

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