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  1. 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
  2. Hello everyone, I've been a member here for years and this site has helped me immensely!! This is the first time I have posted a question because I wasn't able to find an answer in the search. I am trying to refi my property but my credit scores are too low because of high balances on my credit cards. Score is 603 and all payments have been made on time and never missed (need to raise my credit score close to 700 for refi). Most of my cards are close to limit. I just received a personal loan of $44,000 to pay down my cc's but now I'm wondering which route to take: Do I pay off a few
  3. So- my credit file has not significantly changed in a long time (and I qualified for long-term zero% auto loan back in April). I do carry significant balances on my credit cards, but always pay (auto-pay) significantly more than minimum payments. but something triggered an odd cascade in the last few weeks. I got notice one of my Synchrony accounts had suddenly had the credit limit dramatically reduced. I contacted them and they said they periodically check credit report and make changes. The letter they sent indicated high balances to limit on cards.
  4. This is a group participation project, since my profile is no longer representative. When my AAOA was only 8 years, I suffered a 12 point drop when no balances reported. Now that my AAOA is 10 years, it’s only 6 points. I’m looking for volunteers with Score Watch, or those with regular free access to real FICO scores. I’m interested in the relationship between AAOA, and the penalty for having no reported balances. Of course, starting FICO scores also have an effect, but I think we can see general trends across all profiles. So, in the interest of Science, please volunteer your profile for
  5. So when i was a teenager i went to open a bank account with my father at BOA (highly regretted it ever since) with a security deposit of $500. I had a bad payment status for 30-59 days and the account was closed by the credit grantor but only after i payed off the balance (they allowed me to pay off the balance by saying i had to make payment to use the card again and after i did they said i had to call a service representative) . I should have been more responsible on checking my balance since it was below $500 and thinking back now i was told that even though i payed off the due amount i wou
  6. Does accepting a settlement offer on a closed credit card account help or hurt you in the long run. Account closed with Best Buy in December and now receiving settlement offers from CRA. Should you go for it? What about requesting a pay for delete along with it?
  7. After years of steadily increasing credit scores across all three bureaus, I was hit with a surprise this past week when I went to review my weekly Credit Wise report (which, I believe, is supplied by Transunion). Notwithstanding 10+ years of on-time payments, a credit utilization of below 23%, and some rather aggressive payments toward my accounts in recent months, my trend toward the low/mid 700s was abruptly derailed with a 55 point drop. The only adverse indicators aren’t new, and include 4 inquiries (over 8 months+ old), and a 12 year average account age. Not a singl
  8. I got some help previously about opening new accounts, but I was curious more about the impact and possible ramifications. I only have 1 credit card in my name, and it only reports on Experian and TransUnion. The rest are AU cards. I have 8 accounts on Experian and TransUnion and AAoA of about 21 years. My Equifax report is a bit thinner. I pulled CCT, and I'm at 777 EX, 782 TU, and 789 EQ. I have been thinking about about a PenFed credit card and an AMEX revolver. I also may be cosigning a small student loan. I'm not certain on this yet, but it's a possibility. I know that this will cause a s
  9. I have a chase freedom with a $2k credit limit and a I was approved for a chase Sapphire with a $15k credit limit. At the time after I was approved for the Sapphire my credit score went up 30 points I had $8k transferred from my sapphire to my freedom card to give me a $10 limit on the freedom and the Sapphire was at $7k.Then weeks later after the $8k limit transfer to the freedom my credit score dropped 30 points!!! I then called chase to to had the cards put back to there approved limits wich was freedom at $2k and Sapphire at $15.Why did it drop so much and will I my score go back up 30 poi
  10. Kiai

    Fico 9 NFCU

    Is that a legit score? Why is it so different from Fico 8?
  11. Hi, this is my first post here as I'm kind of stuck in a situation and need help. After moving out from my previous apartment in Indiana, I forgot to pay the electric bill (Duke Energy) for the final month which I did not realize until 4 days ago when I saw a collections record on my credit report. Now I did not receive any communication from the CA or OC regarding the debt until I saw the CR. I have not yet talked to either the CA or OC, but I’m more than willing to pay the whole debt amount ASAP, but would like to get the collections record removed from my CR. I’m a foreign national and do n
  12. 110 million consumers could see their credit scores change under new FICO scoring "will start incorporating consumers’ debt levels into their scoring model."
  13. I recently have been working on getting my credit score higher and also want to have $100k in available credit (maybe a dumb thing to do). In doing so I have gotten about 6 new credit cards in the past 6 months. All of them have zero balance, about $30000 in available credit, I recently noticed my equifax dropped 16 points. I assume this is from the inquiries and new accounts? avg account age is 2yrs 8 months. Should I close any of the new accounts to increase my credit age? Or just be patient and wait for the accounts to age and the inquiries to age. I am looking to buy a ca
  14. I get my credit score from Experian and they are constantly promoting Experian Boost to add points to your score. I don't like the idea sharing more information and I'm assuming that it'll only make a difference with lower scores? Is this true? My score is 835 now so I don't need a boost but I can't help being curious. Does anyone have a boost they can share?
  15. I have 5 credit cards, ranging from $1,000 to $10,000 in credit limits. I'm currently using 88% of my available limit (according to Credit Karma). I recently got a loan from a relative in the amount of $10,000 to get my score a little higher while I apply for a mortgage. My total credit card debt is just over $20,000. What should I pay first? Should I pay off the lower balance cards, or get the higher balance cards closer to the suggested 30% balance? Thanks!
  16. Hello, I am seeking some help on understanding the reason as to why I keep getting denied credit for my business. I’m wondering if maybe I. Filling out the application wrong or something. Here is some info on my business, and business credit. An established business over $75,000,000 a year in revenue D n B score is 89 Paydex Score 92 delinquency predictor percentile 90 financial stress 2 supplier evaluation risk rating low business risk overall highest past due $0 highest owing is $75,000
  17. Does highest amount owed form a basis for higher starting limits or during CLI requests or is highest amount owed not relevant and/or only viewed manually? Random Examples: Card #1 CL $20000 Highest Balance Owed $18000 Current Balance 0 Card #2 CL $20000 Highest Balance Owed $10000 Current Balance 0 Card #3 CL $20000 Highest Balance Owed $1000 Current Balance 0 All things being equal, which one of the above highest balances owed, if any, helps with a higher CL? 👉🏻 Highest amount owed at least has a memory for those of us who PIF befor
  18. I have an account from Ocwen ( mortgage company )that have late payments from 3 years ago. the account is closed and paid in full but I have massive amount of late payments I been disputing this account for a year it finally The account was deleted from my Equifax report bringing that score up to 807. My fingers are crossed because my Experian have 3 more days to get deleted. But my TransUnion was updated as accurate leaving my score 709. My question is> If I dispute the TransUnion account again will Experian and Equifax update showing late payments again? I think this happene
  19. I currently have 2 active cards: CapitalOne Platinum ($1K due for CLI next month), and Ollo ($1.5K), both of which I acquired this year (got the Ollo in July). Before either of those I was searching for cards that I could get approved for to rebuild and Discover was one of the sites I searched. Each time I looked at their preselector, it returned one of their secured cards (which I didn't really want to do). At the time, my Experian FICO was in the low 600's. Well my score has improved bit by bit, and today I got a notice from Experian that it rose to 660 from 618 in July! Still n
  20. Utilization Consolidation Optimization only using EX HELP! Scores EQ538 TU587 EX638 Amex blue 10K / 4K bal Amex Every 10K / 7500 bal BOA Alaska Air 4500/ 3900 bal DISC 6300/ 4200 bal BECU 2K/ 1500 bal Cap 1 800/ 0 bal CITI 1K/0 bal Credit one 950/ 0 bal First Premier 1K / 0 bal First Premier 400/ 0 bal Student loan 9500/ 9270 bal I was at 690-710 on my scores then loaded my cards, killing my scores from over utilization. Along the way I was dealing with a federal agency penalty which before it got through with the appeal/contesting/a
  21. 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.
  22. So i'm a loan officer and need to know which bureau gets pulled out of these lenders 1, Lending Club 2. SOFI 3. Prosper 4. Upgrade 5. Upstart 6. Marcus 7. Freedom Plus 8. Light stream Or where can I find these answers?
  23. Hello everyone, I'm new to the forum but was recommended to come here for advice. I'm currently a freshman in college and recently turned 19. I currently have two credit cards: Bank of America Cash Rewards (had for 12 months and $2500 limit) and Discover It Student Cash Back card (had for 3 months and $1250 limit). My current creditkarma score is 718 and I attached my credit factors from there. I'm always looking for ways to open more accounts and to improve my spending power and score. I never put anything on interest and don't plan to use a full balance on either of
  24. I had a rental property that was part of a business dealing that went bad. The property was on the brink of foreclosure when we were finally able to settle and sell. Bank (and taxes, HOA, etc) all were paid in full. This was not a short sale, or settlement of debt. Realistically, when would I start to see my credit score increase? This house was the only negative on my credit report (unfortunately a large one) and was nearly 2-years behind when everything was resolved. Score dropped about 150 points when the payments were falling behind. Other debt is minimal. Ju
  25. Hello everyone, I am a student who recently moved to the States for a student exchange. I have lived in Europe all my life, but I am half American (I have dual citizenship of the US and the Netherlands). I have an American passport and a social security number. For a lot of things (like getting a checking account, credit card or even an apartment) I need to be able to confirm my social security number and/or obtain my current credit score. However, this seems impossible to do without entering a US address. I have tried websites like Credit Karma and Nerdwallet but all of them requi
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