Author Topic: credit score (Read 830202 times)

srap · « **Reply #820 on:** July 03, 2015, 12:24:09 AM »

Quote from: ChaimMoskowitz on July 02, 2015, 05:53:49 PM

If they are from the same FI go ahead and do a x/BM. There is no downside. For an AOR you can take your time during the day.

Why even the same day if different banks?

ChaimMoskowitz · « **Reply #821 on:** July 03, 2015, 12:30:27 AM »

Quote from: srap on July 03, 2015, 12:24:09 AM

Why even the same day if different banks?

AOR's started with doing multiple apps at the same time or firing one off after another. You can spread them out over days but is that an AOR? Also if you spread them out over days you want to make sure no FI's report the new accounts right away.

srap · « **Reply #822 on:** July 03, 2015, 12:41:06 AM »

Quote from: ChaimMoskowitz on July 03, 2015, 12:30:27 AM

AOR's started with doing multiple apps at the same time or firing one off after another. You can spread them out over days but is that an AOR? Also if you spread them out over days you want to make sure no FI's report the new accounts right away.

Got it. Thanks for all the words

What is FI?

ChaimMoskowitz · « **Reply #823 on:** July 03, 2015, 12:43:13 AM »

FI = Financial Institution

noturbizniss · « **Reply #824 on:** July 03, 2015, 12:56:01 AM »

The other advantage, as I understand it, to AOR from multiple FIs, is that while they all see the other pulls, the new accounts can take a few days to show up. Sometimes. Some banks, like barclays, put a non trivial weighting on number of new accounts, so if you can get the apps in before the new accounts register on your report it might give you a better chance.

srap · « **Reply #825 on:** July 03, 2015, 01:14:43 AM »

Thank you for your answers.

BOOKY · « **Reply #826 on:** July 30, 2015, 10:36:30 PM »

i haven't checked my credit report or score probably for 3 years, where is the best place to check? should i do a credit report or check my credit score?

sorry, i don't have time now reading this whole tread

TimT · « **Reply #827 on:** July 30, 2015, 10:46:40 PM »

Quote from: BOOKY on July 30, 2015, 10:36:30 PM

i haven't checked my credit report or score probably for 3 years, where is the best place to check? should i do a credit report or check my credit score?

sorry, i don't have time now reading this whole tread

Certain cards offer the score for free. You could check the report from annualcreditreport.com or a number of other places.

maxie m · « **Reply #828 on:** July 30, 2015, 10:54:34 PM »

when applying for a store card does that affect your credit score the same way as a regular cc, meaning when applying for a new cc afterwards will recon or whoever, view it differently?

TimT · « **Reply #829 on:** July 30, 2015, 11:00:01 PM »

Quote from: maxie m on July 30, 2015, 10:54:34 PM

when applying for a store card does that affect your credit score the same way as a regular cc, meaning when applying for a new cc afterwards will recon or whoever, view it differently?

Its a credit pull. If it's a capital one card, it's 3 pulls.

maxie m · « **Reply #830 on:** July 30, 2015, 11:06:03 PM »

Quote from: TimT on July 30, 2015, 11:00:01 PM

Its a credit pull. If it's a capital one card, it's 3 pulls.

shoot, so if i got a store cc which I don't care for (not beneficial) and possibly detrimental for future apps any way to dispute it

nobiggy · « **Reply #831 on:** July 30, 2015, 11:07:09 PM »

Quote from: maxie m on July 30, 2015, 11:06:03 PM

shoot, so if i got a store cc which I don't care for (not beneficial) and possibly detrimental for future apps any way to dispute it

No, you applied for it.
Don't worry it's only 1 pull.

TimT · « **Reply #832 on:** July 30, 2015, 11:08:06 PM »

Quote from: maxie m on July 30, 2015, 11:06:03 PM

shoot, so if i got a store cc which I don't care for (not beneficial) and possibly detrimental for future apps any way to dispute it

Why's it detrimental ?

maxie m · « **Reply #833 on:** July 30, 2015, 11:10:34 PM »

Quote from: nobiggy on July 30, 2015, 11:07:09 PM

No, you applied for it.
Don't worry it's only 1 pull.

I applied for two amexs about two weeks ago(spg,plat personal) now I got a biz plat offer without the language and was hoping to use it, this shouldn't mess it up right

maxie m · « **Reply #834 on:** July 30, 2015, 11:11:24 PM »

Quote from: TimT on July 30, 2015, 11:08:06 PM

Why's it detrimental ?

too many pulls over all plus my recent ones?

nobiggy · « **Reply #835 on:** July 30, 2015, 11:11:37 PM »

Quote from: maxie m on July 30, 2015, 11:10:34 PM

I applied for two amexs about two weeks ago(spg,plat personal) now I got a biz plat offer without the language and was hoping to use it, this shouldn't mess it up right

Don't worry Amex churns out approvals daily

maxie m · « **Reply #836 on:** July 30, 2015, 11:14:17 PM »

Quote from: TimT on July 30, 2015, 11:00:01 PM

Its a credit pull. If it's a capital one card, it's 3 pulls.

Quote from: nobiggy on July 30, 2015, 11:11:37 PM

Don't worry Amex churns out approvals daily

I hear, thanks

BOOKY · « **Reply #837 on:** July 30, 2015, 11:53:52 PM »

Quote from: TimT on July 30, 2015, 10:46:40 PM

Certain cards offer the score for free. You could check the report from annualcreditreport.com or a number of other places.

thanks i got my reports for free

is there a way now to check my credit score for free?

BOOKY · « **Reply #838 on:** July 31, 2015, 12:04:23 AM »

another question does http://freecreditreport.com give you the credit score or only the report?

if i checked now with anualcreditreports.com can i check again with Freecreditreport.com?

coralsnake · « **Reply #839 on:** July 31, 2015, 12:05:55 AM »

Quote from: BOOKY on July 31, 2015, 12:04:23 AM

another question does http://freecreditreport.com give you the credit score or only the report?

Theres a reason it's not called freecreditscore.com

Topic Wiki

Author Topic: credit score (Read 830202 times)