Author Topic: Credit  (Read 4289 times)

Offline Dan

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Re: Credit
« Reply #15 on: February 16, 2012, 01:14:12 PM »
1st of all the CBs doesn't always track by the statement balance date, it can also be a random date.
2nd of all as far as activity goes, just spending a $1 and paying it off will keep the card active.  There's no need to wait for the statement to pay the $1 nor any guarantee that if its on the statement will that be the day balances are reported.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline creditor

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Re: Re: Re: Credit
« Reply #16 on: February 16, 2012, 01:15:51 PM »
Hmm... how do I explain this...

If 10 factors influence a score and you manipulate one, it is illogical to then start yelling how you've found conclusive proof that your factor (in this case util %) was the factor that compelled the movement (or lack thereof).
1) you said its a difference of 60! points,
2) credit util affects 35% of the score, so its not just 1 factor out of 10
3) I have heard it from other people as well [you can try to check it yourself]
3) I wasn't yelling
I'm just say'inę«

Offline dans fan

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Re: Credit
« Reply #17 on: February 16, 2012, 01:18:42 PM »
in general your CR only contains statement balances not the date or amount you paid off unless your making a late payment,

on some reports that i have seen it reports evan $1and says 'paid as agreed'
Does it make a deference on your credit if every month, on every card, you spend $1 and pay it? 
using your card and paying it def makes a dif for getting approved for a cc app. even if it doesnt make your score go up, the bank like to see constant use and payments

Offline AJK

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Re: Re: Re: Credit
« Reply #18 on: February 16, 2012, 01:26:40 PM »
2nd of all as far as activity goes, just spending a $1 and paying it off will keep the card active.

Good point.

1) you said its a difference of 60! points,
2) credit util affects 35% of the score, so its not just 1 factor out of 10
3) I have heard it from other people as well [you can try to check it yourself]
3) I wasn't yelling

1) No, reports have said 60 points, and I stated that to begin with. I don't work for FICO and neither do you.
2) "If" started a hypothetical. I could have said 1 out of 3 or 1 out of 100. My hypothetical, my language. In any case, 35% isn't significant enough to be conclusive when the remaining factors account for 65%. In fact, even if those values were transposed, it still wouldn't be conclusive.
3) Even if what you're saying is true and you've polled your acquaintances to determine this precise scenario, it's still just anecdotal evidence.
4) Then I must have misunderstood what "!" means. Either way, chillax.
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Offline creditor

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Re: Re: Re: Re: Credit
« Reply #19 on: February 16, 2012, 03:44:56 PM »
Good point.

1) No, reports have said 60 points, and I stated that to begin with. I don't work for FICO and neither do you.
2) "If" started a hypothetical. I could have said 1 out of 3 or 1 out of 100. My hypothetical, my language. In any case, 35% isn't significant enough to be conclusive when the remaining factors account for 65%. In fact, even if those values were transposed, it still wouldn't be conclusive.
3) Even if what you're saying is true and you've polled your acquaintances to determine this precise scenario, it's still just anecdotal evidence.
4) Then I must have misunderstood what "!" means. Either way, chillax.
1) I doubt it you saw any report stating that
2)the remaining factors in my case didn't have any bad affect on her CR [no late payments,no collections,no change in credit age etc.]
3)isn't caps lock what you call screaming? but I guess when some1 disagrees with you, you can tell him whatever you have handy
4) you may possess very good argumenting skills, but you also cant admit on mistakes,so its a waist of time arguing with someone who might have agreed with you already but wouldn't admit it,
5)feel free to pm me that you agreed
I'm just say'inę«

Offline AJK

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Re: Credit
« Reply #20 on: February 16, 2012, 03:55:26 PM »
Please hold your breath waiting for my PM. No, really -- hold it.

While holding, look here for the report I didn't see.

But, as you so eloquently stated: I will "waist" no more time "argumenting" with you.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline HelpMe

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Re: Credit
« Reply #21 on: February 16, 2012, 04:01:00 PM »
CreditboardsDOTcom

Most here will benefit immensely.
"Elvis Has Left The Building"

Offline creditor

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Re: Re: Credit
« Reply #22 on: February 16, 2012, 04:13:50 PM »
Please hold your breath waiting for my PM. No, really -- hold it.

While holding, look here for the report I didn't see.

But, as you so eloquently stated: I will "waist" no more time "argumenting" with you.
you obviously didn't see the report, its a report considering FACO!
it has been discussed already that credit carma works that way,

seems to prove my point that you argue for the sake of not giving up, eventhough you know your wrong
I'm just say'inę«

Offline HelpMe

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Re: Re: Credit
« Reply #23 on: February 16, 2012, 04:20:19 PM »
seems to prove my point that you argue for the sake of not giving up, eventhough you know your wrong
This works great!  ;)
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Offline AJK

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Re: Credit
« Reply #24 on: February 16, 2012, 04:20:48 PM »
you obviously didn't see the report, its a report considering FACO!
it has been discussed already that credit carma works that way,

seems to prove my point that you argue for the sake of not giving up, eventhough you know your wrong

You must have missed this:

If I had to guess, FAKO.

Oh, and this:

Pay for a real FICO score from myfico when you're at 0% and 1% and let us know what really happens.

This was done by a member of CB and his score was a few points higher.

Your move, Mr. "I am right and you are wrong."
« Last Edit: February 16, 2012, 04:35:56 PM by AJK »
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline TC610

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Re: Credit
« Reply #25 on: February 16, 2012, 04:33:07 PM »
You're move, Mr. "I am right and you are wrong."

Really??  Right after you point out his misuse of "waist"?!
But, as you so eloquently stated: I will "waist" no more time "argumenting" with you.


Offline AJK

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Re: Credit
« Reply #26 on: February 16, 2012, 04:34:52 PM »
Really??  Right after you point out his misuse of "waist"?!

Damn! I knew I shouldn't have added that last part  :D

Fixed (with immense amounts of shame and embarrassment).
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline TC610

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Re: Credit
« Reply #27 on: February 16, 2012, 04:46:31 PM »
Damn! I knew I shouldn't have added that last part  :D

Fixed (with immense amounts of shame and embarrassment).

And it looks like you also admitted to a mistake.  I suppose we can cross off point #4.

Offline AJK

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Re: Credit
« Reply #28 on: February 16, 2012, 04:50:27 PM »
And it looks like you also admitted to a mistake.  I suppose we can cross off point #4.

Oh, G-d. What is this day turning into?  ;)
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline creditor

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Re: Re: Credit
« Reply #29 on: February 16, 2012, 05:53:56 PM »
you must have missed this
-100


HOWEVER on FICO, your wrong, from experience: my wife had 0% ratio for ages on two cards, her FICO [via myfico.com] was 806, lately she started spending on her cards for a couple of months, still her score is 806
1) I never disagreed with you on FACO
2)I did indeed pay for FICO and I'm letting know what happened




Your move, Mr. "I am right and you are wrong."
3) you must have missed this




But, as you so eloquently stated: I will "waist" no more time "argumenting" with you.
I'm just say'inę«