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Found 59 results

  1. 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/adjudication the person I was dealing with retired, and the division of the agency closed now sending all penalties directly to Treasury. Soooo Treasury’s Bureau Of Fiscal Service is the taxpayers collection agency and they are tough. Sent me a notice of intent to garnish me (they can only take 15% after tax) and hit EQ and TU with a 40K collection! One of the listings said the account start date was 01/01/0001 that’s 1000 years before the crusades. So my credit repair person immediately verify challenges them. They have now come back twice updated with more info and amounts claimed, My insurance will cover part of it and I have a attorney doing the adjudication challenge with Treasury but the process is slow, maybe a year. So even though the debt is not being avoided by me, and hasn’t been confirmed, they are jamming me up on the bureaus. Im trying a third time verification with EQ TU maybe the govt shutdown will help them miss the 60 day window. But I’m dead on those bureaus. I tried my CU but they pulled TU and that’s how I found out about the Treasury listing. HELP: I know my EX score is low from loading up my cards, won’t a consolidation loan get my score back up? EX has 5 inquires 3/18 11/17 11/17 11/17 10/17 I’ve gotten the typical mailing from BestEgg and was about to click the button but waited, wanting more info. Here on Pulls it looks like they only pull EX? I need to figure out how, if it’s possible for me to do this. In the mean time I need to get a car, a person I’ve been working with says the finance person has banks that only pull EX. I have a good job, 70K at it 8 months, went to school last year to get the job. years of credit history, only 3 lates from over two years ago. Qs: 1. Where how to get consolidation loan to put out card fires. 2. Apply for consolidation or car loan first? 3. If I can get more then I need on consolidation should I take it and use extra to pay down balance then it will show less then 100% on my report and now count as bad? 4. Is there any hope I can pull this off? 5. The BestEgg prequalified offer is good only till Jan 9 so time is ASAP crucial, I haven't clicked through on it yet so they haven't run me, and they are emailing me to continue. Thank you for any and all help!!!!!
  2. 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.

  3. 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?
  4. 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 my cards every month at least while I'm in school. Balance transfer is also not a priority. I also have no student loans so in have no large balances to pay off. Rewards (whether cash back or points) are my biggest need in a new card, and low to zero annual fee as well since Im not spending a huge amount at the moment. I'm looking for a new credit card to apply for. Through my own research, I've found that Citi Double Cash card is a great for rewards for myself but it may be a little too far out of my reach (I applied for it about 6 months ago and they didn't even do a hard pull). I'd also like to start earning recognition by Amex and the BlueCash EveryDay card sounds quite good, especially the absence of an annual fee. But, of course, I'm not an expert and that's why I came here. Also I'm impatient and want to apply soon, but if waiting longer will be more beneficial in the long run, I can wait. My monthly spending during the school year is mostly comprised of food (evenly split between restaurants and fast food), spending on airfare and hotels, online shopping on amazon and Best Buy, and shopping at the local Walmart for groceries. I average about $300-$600 per month but it varies wildly. During the summer I actually work above minimum wage in Arizona so my cash flow will probably be about double. Also I expect to spend more on travel and food over the summer as well, with much less spent at Walmart and more spent at grocery stores. Since I'm still very new to this, I'm just looking for some advice. Should I wait longer before applying for a new card? Should I try for another student card? Are you bullish on Amex or should I try focusing on their travel and rewards benefits? Thank you for the help, Xenoz P.S. My only other dream from a credit card it for it to have contactless payment but I know this is very rare here in the states.
  5. 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 the inaugural CB FICO Experimentation Project P.S. If you’ve already done this on your own, please share your AAOA and results. TIA
  6. 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. Just primary residence ($200k and 5 years of on-time payments) and a school loan ($6k remaining). Credit cards are used for daily transactions, but are always paid in full. No other late payments, collections, or anything of the sort for 15 years plus. Bank is showing the mortgage account as closed, but it doesn't appear that it was marked as "Paid in Full." Related question, I see that typically late payments fall off of the credit report 7 years after "first notice." Does that mean at the 7 year mark, that all vanishes, or is it a rolling 7-year (as the last late payment filing was 2 years after the first, so it would be 2 years from now?). Thank you.
  7. 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 require the entry of a US address. I have never before lived in the US so I can't fill this in! Is there anyone out there with a similar situation, or at least with some advice on how to obtain my credit score? I can't be the only dual citizen who's never been a resident here! Thank you!
  8. Hi everyone, I am hoping to get some advice from the community here. I have an open CFPB complaint against HSBC. To give a gist, I have one of their credit cards with a hefty annual fee. After nearly a year of using the card, I did not enjoy its rewards and continuing with the card does not make any sense. I requested the bank for a product change and downgrade my card, but HSBC told me that this particular card is not eligible for a product change, and that I must close the card itself and simply apply for a new one. Since closing my card would affect my credit history, I requested HSBC to reconsider my request, but the bank still refused to downgrade the card saying that it was part of the TnC. When I disputed that such a condition for no-product-change was never mentioned in the TnC that I signed, the bank refused to entertain me any further. Following the above situation, I filed a complaint to CFPB. Interestingly, the next day I received a mail in my 'Promotions' folder from HSBC stating that an Arbitration clause is being added to my Terms & Conditions. I promptly went ahead and mailed them a rejection notice. Following this, HSBC has now responded to my CFPB complaint saying that, it needs another 60 days to look into my complaint. At this point, it looks to me that HSBC is simply trying to stall me, so that next month, I get charged the annual fee again (that's when the card completes 1 year). This essentially means that they are free to give whatever resolution they want. And if I close the card before that, the whole point of the CFPB complaint is defeated. Is it checkmate for me, or are there still any options left?
  9. Hello all, I am new here and hope I can get help understanding more about credit repair and scores. I am in the process of cleaning up my credit file in order to get a better credit score. I have collections accounts and charge off showing on my reports. I have a total of 5 collections showing on Exp, Tru, and 4 on Eq. I have send a pay for deletion offer and I am waiting for the response. I would like to know how many points I should expect to see increased if and once deleted. Right now i have a 610 Equ, 578 Trans, and 560 Exp. All 5 collections are 1 year or less old. The charged off account show 0 balances on Equ, but still show a balance on Truns, and Exp. Can i get some insight on how I can get my reports cleaned up. Trying to refinance my mortgage Thanks in advance
  10. Experian has a specialist on my account and will not remove old addresses. I just disputed some items to try to remove the attachments to one of the old address as a test. EX said online when I just checked: This Address was reported to Experian by XXXXxxx and 15 other companies (you can click on the link and get the names). Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at 1-855-414-6048. I informed them that I am now going to also look at the record @LexisNexis.com to see if I could scare them (DID NOT WORK) and also said how can you verify a record that is not complete as per the Bankruptcy Courts and LexisNexis. I will keep writing letters and never give up of course but we will see. I was thinking that holidays time would be best for reps in the USA (mine at Experian would be in the mood to play nice or on holiday so I could find someone new.) I did get TU and EQ to remove all the address attached to bad credit after calling over the last 5 workdays with TU and EQ was Immediate (THIS was DONE BY PHONE). I am now sending the remove letters to TU and EQ that no longer have address attachments. HOW to get the Free credit reports for TU and EQ I get from my CreditKarma.com and pulling up credit report under the bar graph and clicking on the 2 different companies and again clicking on the credit report tab. This is a great tool for verifications of removes once you understand the format (this updates every 4 or 5 days so you have to wait for that). How to get a Free Credit report for Experian is by getting the free account and if you navigate around long enough you can find all of your credit report for verifications as needed. ( this updates quickly most of the time ) 855-414-6048 to dispute on the phone with Experian. Anyone want to call Sam directly at Experian and give him a busy day 469-675-5039 maybe he will quit!
  11. Back in April of 2018, I paid off a $2,000 dept to Bank of America and I believed I was officially cleared of any debts. Now it's September of 2018 and I decided to check my credit score and noticed it was a lot lower! Noticed the reports all came from Bank of America and I contacted them regarding the issue. They specifically told me I had a $36 debt that was not paid since when I paid off my debt to $0. Confused and inexperienced of knowledge about credit cards and how they worked, I paid the $36.00 and told them to close my bank so this does not happen again. 2 days later, I received a confirmation email that my account was closed. Thought it was over? Nope. Now it's November and I decided to check on my score.. noticed that my score went down again! And of course, the problem was Bank of America again. Contacted them once more and they told me that there is a charge of $38 on my account that needs to be paid. I told them I paid it and have the receipt to email if needed. They told me that they had ZERO record of payment nor notifications that my account was closed. Note, when I called them in September, I contacted them through their mobile app as I always do, to prove that it was actually their number I called. What should I do? Who should I contact to fix this? I'm a college student that is trying to better my score before I graduate. Thank you.
  12. Hello, So, I have two 30-day late payments on my Capital One Credit Cards (one on each card) from Nov 2017. Before I left on military orders on September of 2017 for training, I called them and told them I was being deployed and wanted to try and pay the annual fee a few months in advance, so I wouldn’t have any late payments since I wouldn’t have any contact with the outside world for literally 9 whole months. They said they don’t charge military members the annual fee, and they would waive it for me. After getting back on May of 2018, I pulled my credit report and saw I had 1 missed payment reported on each card. And I’m still confused to this day why. I thought it was probably just a mistake, and I was accidentally charged the annual fees. So I called them, and they said it was from some pending charges as well. I remember leaving with no balance though, and some of the charges don’t seem too familiar to me. Especially one place that I don’t think I’ve ever even been too. My memory is a little foggy though, since it was last year. Even to this day, and being with Capital One for years, I’ve never missed a payment. That is the only time to this day that’s happened. After calling several times, they said I could mail in a credit dispute with the description of the situation and how I’d like it resolved. I was going to mail in this letter (down below) along with my military orders, and the credit reports of the dates the late payments were reported. I’m hoping to be able to get this removed, as it’s affecting me of getting a better interest rate on a loan I’ve been shopping for. Any thoughts or suggestions? https://imgur.com/a/KemMr0r
  13. Well. I have another, 5,000-word thread to post about my latest mental health misadventures, but the long and short of it for this here post is, I've got a 30-day late reporting. I coulda sworn I had paid my Express account down to zero (obviously that's what I thought; not bothering to log in and pay it) and...well, here we are. My score went down by FIFTY points!! I have a feeling my next move should be... to pay the darn thing. (Daring gambit, no? The only other baddies I've ever had were collections, so withholding payment with the hope of doing a PFD is my go-to credit-repair move. There is no way this logic effectively transfers to fighting past-due tradelines, but - as was hinted at in the opening sentence - my brain is broken (again). So... what's my next move? Is there no hope of having the baddie cleaned off; just pay it now and be sanguine about it? If so, how long till my score recovers? Any input/help/advice greatly appreciated.
  14. Basically, I'm wondering if it's worth it to pay collections if they don't accept my pay for delete offer to pay the entire bill. How will my score be affected if I pay it? Collections said the status would become paid in full. I'm dealing with Frontier communications (isp) and Credit Control Corp. Corp claims they are a 3rd party and that they do not ever sell the debt and that they're not exactly a collections agency. But they're the one's who reported a past due bill on to 2 of my 3 credit beaurues accounts. And everyone I've talked to there claim that their policy is to never ever delete anything. I asked what if someone is innocent, and their response was that it doesn't "ruin" their credit. These are the steps I've taken: Got fresh copy of all 3 credit reports Requested removal from experian (deleted) and equifax (not deleted) Requested proof of debt twice (they claimed they sent it twice, but I looked pretty diligently for it) Talked to 4 different reps and 1 supervisor, left voicemail for 2 other supervisors but never got a call back. Recorded most conversations and stated I was recording. Sent a pay for delete letter stating I'd pay the whole thing in exchange for deletion and that my offer is valid for 15 days.
  15. It's official that I have hit above an 800 FICO score at age 20 without any AU assistance. My FICO scores are now EX 795, TU 787, EQ 807. I posted the link of my thread from a year ago. I want to announce to you guys I have finally pulled off an 807 score without any AU boost. You can also see my thread on myFICO https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Turned-20-and-over-800-credit-score-without-AU/m-p/5375909
  16. 797 (+6) For those not familiar, DCU provides a free monthly Equifax FICO score. This is the model most commonly used in the mortgage industry, and it's uncommon for a financial institution to provide this model on a free, recurring basis.
  17. I used to lurk this forum for advice. I had my scores hovering around 700 when I lost my job and had two hospital stays. I kept my head in the sand for a few years until I got brave and ordered my paper reports. After triaging them, I realized that things were not as hopeless as I'd feared. This time I am being sensible. I'm not apping for crap cards or just any store card that will approve me, and I am certainly not carrying a balance on any of my cards. If I hadn't had high balances on so many cards before, I would have been fine. This time I'm focusing on cards that will actually benefit me, and getting fewer of them. I currently have five cards and a car loan. I'm wondering: would it serve any purpose to take out a rebuilder loan at my credit union, or just let these cards age? Also, would it be wise to wait one more year before disputing my three remaining medical accounts? They are currently three years old and my state's SOL is four years. I don't want to invite a lawsuit. Thank you for any advice.
  18. First, Happy Saturday All!!! I hope I have placed the topic in the correct forum. Hi, I respect the opinions of the people here on credit boards and I really need some advice. I have my 2017 tax debt that Im paying on right now. It was $4400 and it is now down to about $3800. I am also $17, 840.60 in credit card debt. I am currently out of work on disability. My fixed income has allowed me to make my credit card payments on time and also keep up my payment plan for paying off my tax debt. I am married and my husband does work and he is paying some of the tax debt but he and I do not pay each other’s credit card bills. This money that I am coming to is personal money that I will not have to pay income tax on. I am going to receive $11, 700. My immediate thought was to pay my tax debt off straight away. And his is most likely what I will be doing. Now I will be left with about $8000. Here is the breakdown of my credit card debt. How should I allocate this 8K. My debt to income ratio will improve by 8 k no matter how I allocate the money but I need my credit score to go up. Amex - $5000 Limit, $4947.74 Balance (maxed) 20.99% interest BCU - $5000 Limit, $4923.51 Balance (maxed) 16.5 % Chase - $3000 Limit, $2783.96 Balance (Maxed) 0% until 10/6/18 then 25.49% Macys - $2700 Limit, $2200 Balance, 26.99% Walmart - $1780 Limit, $1679.39 Balance, 24.65% Citi - $900 Limit, $649.25 Balance, no interest until 4/11/19 Cap One - $600 Limit, $515 Balance, 24.65 % JC Penny - $500 Limit, $100 Balancce, high interest Gap - $200 Limit, $35 balance, high Interest HOW SHOULD I ALLOCATE? I want everyone who reads this to know that I will not pay down my debt just to spend on these cards again. I have learned my lesson and I want financial freedom more that I want “things” at this point in my life. Thank you so very much for your advice on this.
  19. Great Day Everyone, I have a question as it relates to Balance Transfers Checks and Access/Convenience Checks... (not sure if they are the same really) I was just recently approved for a new Citi Simplicity Card 21K and a Chase Freedom Unlimited card 26k I remember getting Access/Convenience Checks in the mail periodically years ago and wondered... Do credit card companies still offer those, if so who? and are BT checks something that can be used for purchase - payment to self by way of deposit into my account? (Do I have to request these Checks?) I don't do much with my credit cards other than using them and paying them off monthly, so please forgive me if my questions seem elementary? But I am not in the loop as it relates to many of these options.
  20. Might be dreaming but is there any one site to pull all three reports daily with all three ficos? I’d like to use just one site. Willing to pay a decent amount just for the convenience of getting everything in the same format and from the same site, etc. Also, as above, ideally one that has all true fico scores that update daily. Eh?!
  21. IvyMgmt

    "B" Credit

    Is it still possible to do that?
  22. Hi all, long time follower, new member, first post. Good stuff up front. Details later. Scores: July 7 - TransUnion Vantage - 652 - July 28 - 731 (+79) June 22 - Experian Vantage - 688 - July 28 - 736 (+48) July 6 - Experian FICO - 714 - July 28 - 761 (+47) July 26 - Equifax Vantage - 660 - July 28 - 737 (+77) June 26 - Equifax FICO - 711 Background: I was a very successful Realtor for 12 years, but I lost my spouse to Cancer in 2011. After that ordeal and a bout of grieving/depression, my score bottomed out in the low 500's. Lots of late payments--sometimes due to lack of money--sometimes due to a lack of energy to pay the bills. I started rebuilding my credit with a secured card 5.5 years ago. The last seriously late payment dropped off my report last Spring. The facts: 1) Your payment history counts more than other single item in your score calculation (no news here). 2) Credit utilization is considered next. 3) Credit age is almost as important as credit utilization. 4) Recent inquires have a minimal impact. My idea: As a Realtor and a student of credit, I have always been told that transferring balances from one account to another does not greatly impact your credit score. However, I am a student of bureaucracies and how to find loopholes in their systems. So, my idea is that I know that I can handle my debt load, but each of my accounts reports on a different day of the month (typically 1-4 days after the statement prints). By transferring balances between accounts, I can decrease my credit utilization--the second most important part of the score calculation. The Numbers: I have 7 credit card accounts showing on my reports: On July 1 here is what my reports showed... Limit/Balance 23,100/20,600 15,000/14,700 8,000/8,004 9,500/8,000 5,000/2,200 5,000/1,400 8,000/0 Credit Utilzation 76%, several cards close to limit, and one card over limit. I had some money to apply to these balances, but all did some transferring around and today, my report shows... Limit/Balance 23,100/9,600 15,000/13,600 8,000/300 9,500/300 5,000/1,100 5,000/1,400 8,000/0 Credit Utilization 35%, only one card close to limit, nothing over. In two more, weeks, I will be done with moving some additional balances and my report will show... Limit/Balance 23,100/500 15,000/300 8,000/300 9,500/300 5,000/1,100 5,000/1,100 8,000/0 Credit Utilization will be 5%, nothing close to limit. My reasons: 1) I wanted to see if I could do this and what the impact would be. 2) I need some capital for my business and rates will be better if my score is better. Lessons learned: 1) Credit only matter on the day that you apply. 2) Credit utilization is really two things (a) total utilization AND (b) utilization per account. I'll post my results back once I am done with this project (about August 13)
  23. Saw this article, https://abc11.com/finance/your-credit-score-may-soon-be-going-up/3962367/, along with others recently. Are they saying even like cell phone collections will no longer be reported? I've searched around but cannot find more detailed information on this new change. My take is that only loan originating collections will be reported from now on. Thoughts!?
  24. Just had the last collection removed from all three bureaus. It was PRA.. (Yes you can get them off..:P) This caused my experian FICO 8 score to drop 15 points. 611 down to 596. The only thing I can think is that it caused my credit age to go down. Everything else stayed the same. Just seems weird that removing a baddie causes a score drop under FICO 8 model.
  25. I am guess I must be the first one on here for NFCU to do their internal scoring on. so here is an update on it. Your Navy Fed credit score -- source: Navy federal Score ranges from a low of 100 to a high of 450. Your score: 322 Key factors: Utilization of revolving credit lines in the last 3 months. Ratio of accounts opened in the last 24 months to all acounts. limited credit experience, number of delinquent past or present credit obligations and number of inquiries on credit report. Your navy federal score changes depending on how your credit history changes and finally they say I can obtain a copy of my credit report from Transunion. The following is my info from MYFICO. Company AMERICAN EXPRESS Account balance $3,074$2,394$2,394 limit is 11K DISCOVER BANK Account balance $10,079$9,983 limit is 13K Company Name CAPITALONE Utilization Percentage 4%0%0% Balance Amount $106.00$4.00 CBNA Utilization Percentage 4%0%0% Balance Amount $91.00$0.00 my score on 7/27 was a 687 according to myfico. Late payments. 1 a year ago (auto) just my screw up my own fault. number of accounts opened. 4 we transferred all our accounts to the credit union so there were 4 closed accounts at the same time. Limited credit experience...... not sure on this one I guess cause my longest credit card open was opened in July of 16, cap one and best buy in Oct. of 2016 with amex and discover in jan and Feb of 2017. Oldest account on report goes back to 2008. Inquiries,,, now this is a good one.. there are 2.. both in october of 2018. 2 inquiries, really? of course there are inquiries we switched our account and I got a different truck. So there were Navy federal offerend me a 1K credit line when I wanted a partial or complete balance transfer. scores according to myfico as of 8/5/18 are EQ 695, TU 692, and EX 687 My TU on the day pulled was a 687. after reading about sagestream last night it makes me wonder if Navy is using ID analytics which is basically symantec to get their own report scoring. Do I call them now that I have the letter and recon this or what?

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