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ZeroDebt

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  1. Currently, this is a trick question for me. My income is currently $0, and has been for the past 7-8 months(admittedly, pretty much by choice) I'm thinking of just ignoring their request until such time I have an income again. I think, legally, they only need it to consider CL increases(which I've never requested in the entire 17+ years I've been with them). I have ZERO plans to ask for a CLI. I don't want to log in to their website, and replace "$35k a year", with a big honkin' goose egg - might set off some kind of panic and/or CL reduction. Note: Prior to this, we've gone on for over 15+ years with the assumption of my income being $600 a month, and went from one card with a $200 LoC, to 3 cards with a combined LoC of about $25k - all without ever asking for a CLI, and all based on my original stated income of $600 a month. I have 3 CapOne CCs, they are my ONLY CLs, so I don't want any problems. All 3 account balances are $0, and my TU FICO is 819. I only use one of the cards, and have presently been paying in full each month(wireless bill autopay from CC) Suggestions?
  2. Back in August 2014, we reported that in what appeared a suspicious attempt to boost the pool of eligible, credit-worthy mortgage recipients, Fair Isaac, the company behind the crucial FICO score that determines every consumer's credit rating, "will stop including in its FICO credit-score calculations any record of a consumer failing to pay a bill if the bill has been paid or settled with a collection agency. The San Jose, Calif., company also will give less weight to unpaid medical bills that are with a collection agency." In doing so, the company would "make it easier for tens of millions of Americans to get loans." Stated simply, the definition of the all important FICO score, the most important number at the base of every mortgage application, was set for an "adjustment" which would push it higher for millions of Americans. http://www.zerohedge.com/news/2017-03-13/12-million-americans-are-about-get-artificial-boost-their-fico-scores
  3. (Reuters) - A U.S. regulator on Tuesday ordered credit reporting agencies TransUnion and Equifax Inc to pay more than $23.2 million in fines and restitution for deceiving consumers about the usefulness and cost of credit scores they bought. The U.S. Consumer Financial Protection Bureau said the payments also resolve charges that TransUnion and Equifax lured consumers into enrolling in credit services advertised as free or costing only $1, but which could cost more than $200 a year. https://www.yahoo.com/news/u-fines-transunion-equifax-deceit-over-credit-scores-210659342--sector.html
  4. What a crap article. I bet a Huff Post reject wrote it. A 601 FICO is "near prime " . A 661 FICO is as good as an 780? I'm not sure. It's all about brackets, I guess? Been out of the credit game a long time, so I'm not current in my knowledge. Yeah, most of the article is same 'ol, same ol' rehash, but this was the first article I've seen with actual numbers tied to FICO score. Sorry if you thought the article was crap. Wasn't my intention to post pablum, yanno?
  5. That's close to what I have (in total) with CapOne on 3 cards - all on a stated income of $600 a month. I've never told them anything different in the 18 years that I've had them. They keep asking me to update my income on their website every time I log in - I wonder what kind of credit-line I'd get after updating my income ($36k)? Maybe a decrease?
  6. How do you compare? According to Experian data from the first quarter of 2015, here are the average credit limits for Americans based on various tiers of credit scores (in parenthesis): Super prime (781-850): $9,543 Prime (661-780): $5,209 Near prime (601-660): $2,277 Subprime (500-600): $966 Deep subprime (300-499): $509 One of the more interesting trends noted by Credit.com, which aggregated Experian's Q1 2015 average credit limit data, is that average credit limit amounts declined across all five categories on a year-over-year basis, although the steepest declines were expectedly seen in the near prime, subprime, and deep subprime categories, which were the groups most notably responsible for failing to pay their mortgage and leading to the housing bubble. This could signify that even with the U.S. economy modestly improving, lenders are still a bit gun-shy about handing out credit to consumers with subpar credit scores. http://www.fool.com/credit-cards/2016/12/26/the-average-credit-card-limit-in-america-by-credit.aspx I thought this was interesting. Sorry if I didn't post this in the right place(?), feel free to move. I haven't logged on to this forum in a very long time. Good to see it's still going strong.
  7. Hi, all. I've been gone a LONG time. Saw something on Craigslist under "ect", and decided to apply. Then I thought of the people here on CB and decided to share it with ya'll. It looks legit and the topic of the phone interview should be of interest to us CB members. I applied and will let you know if I get picked and how it goes. $100-FOR a 1-HOUR IN-DEPTH TELEPHONE INTERVIEW Zeitgeist Research, an independent market research firm, will be holding 1-hour telephone in-depth-interviews over the course of the next 2 weeks, about managing debt and finances. People who qualify and participate in the 1 hour telephone interview will be paid $100 in the form of an Amazon gift card for their time and opinions. This is purely a research study. There are no sales involved. We are looking for a mix of people with varying financing behaviors, so please fill out our preliminary online survey to see if you meet the initial criteria. https://newyork.craigslist.org/lgi/etc/5497606041.html
  8. The easy and perfectly-legal fix for most employed folks, is to have their employer adjust their withholding so as to wind up owing the IRS a little bit when they file, instead of the IRS owing them a refund. Besides, why give the gov't an interest-free loan when you don't have to?
  9. (Newser) – If you thought Rainbow Aurora, Lyric Sonny Roads Goldberg, Janice Keihanaikukauakahihuliheekahaunaele, and whoever made these laws necessary had it bad, consider the plight of God Gazarov. The Russian-born Gazarov was named after his grandfather, and now lives in Brooklyn. But the 26-year-old businessman was recently rejected for an auto loan because the credit reporting agency Equifax simply refuses to track someone named "God," the New York Post reports. http://www.newser.com/story/185198/guy-named-god-has-a-problem.html
  10. @BobWang LOL at that pic! That's pretty close
  11. Had a conversation with a TU phone rep (sounded Indian and 10,000 miles away) a while back to fix a DOB error so that TU would match the correct DOB that the other 2 CBs already had on file. A week or so later, I get a free hard-copy of my TU file in the mail. I checked it out and saw they fixed the DOB issue as I had requested. I ALSO saw that somehow, my long-deceased father's(same very rare first/last name combo) credit history had kinda merged into my own, giving me an additional 15 years of credit history - going back to when I was 3 years old
  12. It still works for me. Did you do anything that might be considered abuse? Nope. not at all. I registered my dead wallyworld card at their site, and got free FICOs for months, but now there doesn't seem to be any way/link on the site for me to get my score anymore. Can you post a link directing me to Walmart's free FICO score thingie?
  13. I can no longer find any way to get FICO via Walmart.
  14. PORTLAND, Ore. (AP) -- A federal jury in Oregon awarded $18.6 million to a woman who spent two years unsuccessfully trying to get Equifax Information Services to fix major mistakes on her credit report. http://news.yahoo.com/jury-awards-oregon-woman-18-202709915.html

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