Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Search the Community

Showing results for tags 'new card'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Intro & News
    • Please Read Before Posting - NEWBIES START HERE
    • CB gets Press!
    • CreditBoards Success Stories
    • Newbies Section
  • Creditboards Main Forums
    • Credit Forum
    • Medical Billing & Medical Collections
    • Bankruptcy
    • Foreclosures/Loan Modifications
    • Chexsystems Help
    • Debt Consolidation, Counseling and Management
    • Military Credit
    • Canadian Credit
  • Financing
    • Mortgages
    • Automotive Financing
    • Student Loans
    • Business Credit
  • Money Management
    • Money Management
  • Special Topics
    • VISA MC policies
  • Resources
    • Laws Laws Laws
    • Where can I Find?
    • CaseLaw
    • State Laws
    • Debt Collector Hall of Shame
    • Identity Theft
    • CreditPulls Database
    • Databases and Reference
    • Sample Letters
  • Misc.
    • General Discussion

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Website URL


ICQ


Jabber


Skype


Location


Interests

Found 2 results

  1. I've been rebuilding credit very slowly the last two years. I recently acquired a $4500 Chase Freedon card and a $1500 Barclays crd. Both inquiries show on Experian and Equifax, but not on TransUnion because I had it temporarily frozen. The Barlays acct is showing on all three but Chase hasn't hit yet (got card two weeks ago). I would like to go for one more card then cease for 6 months. I need a card that will access TransUnion or Experiian due to less inquiries and higher scores (around 725 each). Equifax has been hit recently due to inquiries, hurting my scores Myfico is 720 My two-part question: 1) Should I freeze my Equifax file and apply for another card like Citi, steering them to access TU or EXP? 2) Should I do it now before My Chase card hits, or after it hits since it's a higher limit that will appear? Good income (100k) if that's relevant
  2. So I just got an alert that my MyFico dropped from 580 to 529 just now with reason being: "you've made heavy use of your available credit". I do not understand this… I just opened a new secured card that has a $700 limit and a $556 balance report. Obviously that utilization sucks but I have another $700 card that only has $8 balance reported. That would mean I have apprx a 40% utilization which isn't awful. Before this new card reported I just had just the one $700 card with a $450 balance and my Fico was 580. what gives? I know I should obviously get them BOTH to around 10 bucks but I don't understand how it can say I have "heavy use of my credit" and make my score drop that bad when last month was the same… Is it because of my AAOA decreasing my score?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines