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« Last edited by DoreshEmes on April 11, 2019, 03:54:27 AM »

Author Topic: Questions and Help for BEGINNERS!  (Read 1737693 times)

Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #900 on: April 08, 2013, 10:15:14 PM »
So which addresses have to match? I will put down one address , shalom al yisrael.

The address you put on app should match address on credit file.
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #901 on: April 08, 2013, 10:28:31 PM »
The address you put on app should match address on credit file.

How would I know what address is on my credit file?
For example, I will be moving soon, how will they know that I moved?
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Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #902 on: April 08, 2013, 10:49:41 PM »
How would I know what address is on my credit file?
For example, I will be moving soon, how will they know that I moved?
Look at your CR and they won't.
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #903 on: April 08, 2013, 11:00:28 PM »
Look at your CR and they won't.

Thanks.

Do you believe that certain addresses have "better" creditworthiness, based on the credit history of all those that lived there, that makes it easier for anyone that applies from there to get accepted or to get higher spending limits? My first card I ever applied to was from my parents house was an spg approved for a whopping 20k...Thinking to start my wife there too.
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Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #904 on: April 08, 2013, 11:13:32 PM »
Why would it make a difference (in terms of credit worthiness) what address you enter on the app?
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #905 on: April 08, 2013, 11:16:44 PM »
Why would it make a difference (in terms of credit worthiness) what address you enter on the app?

It can be that the banks have certain neighborhoods that fit their wealthy demographics, or it could be that if some of the people at an address have very good credit, then the other people at the same address (probably a relative) will have similar money/habits to cover their bills.
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Offline meshugener

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Re: Questions and Help for BEGINNERS!
« Reply #906 on: April 08, 2013, 11:18:33 PM »
I doubt it.
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Online Moshe123

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Re: Questions and Help for BEGINNERS!
« Reply #907 on: April 08, 2013, 11:21:41 PM »

Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #908 on: April 08, 2013, 11:21:53 PM »
I doubt it.

Well both me and my younger bro got approved for very high CL on our first ever apps with zero credit history, so I would assume their is some system they have in place.
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Offline sky121

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Re: Questions and Help for BEGINNERS!
« Reply #909 on: April 08, 2013, 11:35:14 PM »
Well both me and my younger bro got approved for very high CL on our first ever apps with zero credit history, so I would assume their is some system they have in place.

And perhaps your social was attached to a parents old account?
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Offline MEIR613

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Re: Questions and Help for BEGINNERS!
« Reply #910 on: April 09, 2013, 12:04:33 AM »
And perhaps your social was attached to a parents old account?
Most probably.

I got my wife her first citi card with 4k and a month later, a successful 3bm with amex.

You got to love the in-laws:)


Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #911 on: April 09, 2013, 12:33:26 AM »
And perhaps your social was attached to a parents old account?

Yeh, I guess so. Though I still believe that the AU isn't the only factor.
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Offline Achas Veachas

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Re: Questions and Help for BEGINNERS!
« Reply #912 on: April 09, 2013, 08:23:32 AM »
...besides why would i extend credit to a 30 year old still living in his moms basement ;D

Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #913 on: April 09, 2013, 08:42:48 AM »
Do you guys believe that if all other things were equal, and I write that my address is in the slums of Detroit, that it wouldn't make any difference in the eyes of the bank?
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Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #914 on: April 09, 2013, 10:24:13 AM »
It can be that the banks have certain neighborhoods that fit their wealthy demographics, or it could be that if some of the people at an address have very good credit, then the other people at the same address (probably a relative) will have similar money/habits to cover their bills.
One word if they do this "lawsuit".
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Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #915 on: April 09, 2013, 11:32:03 AM »
One word if they do this "lawsuit".

Big time.
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Offline yuneeq

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Re: Questions and Help for BEGINNERS!
« Reply #916 on: April 09, 2013, 12:37:54 PM »
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.
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Offline AJK

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Re: Questions and Help for BEGINNERS!
« Reply #917 on: April 09, 2013, 03:18:37 PM »
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.

Says you.
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Offline CountValentine

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Re: Questions and Help for BEGINNERS!
« Reply #918 on: April 09, 2013, 03:28:11 PM »
They did/do it with mortgages, and its easier for them to do it with CC's without getting caught.
Not sure in your area but it my area it did happen with mortgages years ago and they paid out big time because of it. Ever hear the term "redlining".
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Offline joey123

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Re: Questions and Help for BEGINNERS!
« Reply #919 on: April 09, 2013, 03:55:44 PM »
I am wondering the effect of a closing a credit card and one's credit score. This topic has probably been discussed at length somewhere on DDF, but I cannot find where.

Can someone please help me locate a discussion on this matter? A link?

Thanks
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