Author Topic: What's Your FICO Score? (Read 177419 times)

Freddie · « **Reply #220 on:** August 22, 2013, 10:07:42 PM »

Quote from: Am on August 22, 2013, 09:20:21 PM

no

What makes you so sure? Most utility companies do not report to credit bureaus, however, I have on my report my gas bill from another city I lived in. I have lived in many cities and that one is the only place where a utility showed up on my CR, so the odds are pretty low, however, you will NOT know for sure until you check your CRs and see.

Am · « **Reply #221 on:** August 23, 2013, 01:39:18 AM »

Quote from: Freddie on August 22, 2013, 10:07:42 PM

What makes you so sure? Most utility companies do not report to credit bureaus, however, I have on my report my gas bill from another city I lived in. I have lived in many cities and that one is the only place where a utility showed up on my CR, so the odds are pretty low, however, you will NOT know for sure until you check your CRs and see.

a negative report from a utility company after missing one payment?

ayman · « **Reply #222 on:** August 23, 2013, 02:26:22 AM »

Quote from: metziah on August 18, 2013, 11:34:02 PM

Does Anyone have a number for the credit bureau? I need to try and get something taken off my credit report.

ummm giyf?
http://answers.yahoo.com/question/index?qid=20070706114626AAuMMOc
Beware you will need a recent (within last 60 days) CR to spk w a rep. (at least w Ex)

ayman · « **Reply #223 on:** August 23, 2013, 02:27:37 AM »

Quote from: Freddie on August 19, 2013, 01:54:47 AM

BTW, I had ONE pull on my report. It was from that stupid freaking Target card that I accidentally signed up for.

Just in the past 4 months, I have gotten:

Ink Bold, SPG business, Chase BA, Barclay USAirways, Chase SW, Chase United, Chase SP, Amex Delta Gold consumer, Amex SPG consumer, Citi AA consumer, Citi AA business.

That looks pretty impressive. What was your activity before all those cards?

Freddie · « **Reply #224 on:** August 23, 2013, 04:04:11 AM »

Quote from: ayman on August 23, 2013, 02:27:37 AM

That looks pretty impressive. What was your activity before all those cards?

I just started this hobby in April. I did an AOR (3 cards) in April, in July (4 cards) and August (4 cards). I have finished spending on all cards from the first two AORs and now I am just working on the spend for the four cards from this current AOR.

So, is it downhill from here? How do I keep the momentum?

Marco Polo · « **Reply #225 on:** August 23, 2013, 08:51:13 AM »

Quote from: Freddie on August 23, 2013, 04:04:11 AM

I just started this hobby in April. I did an AOR (3 cards) in April, in July (4 cards) and August (4 cards). I have finished spending on all cards from the first two AORs and now I am just working on the spend for the four cards from this current AOR.

So, is it downhill from here? How do I keep the momentum?

Not really "downhill", but there will be time where you need to just let a little time pass IMHO. If you have significant other/parents/siblings (who don't mind), you can work on cards for them.

Freddie · « **Reply #226 on:** August 23, 2013, 11:45:12 AM »

Quote from: Marco Polo on August 23, 2013, 08:51:13 AM

Not really "downhill", but there will be time where you need to just let a little time pass IMHO. If you have significant other/parents/siblings (who don't mind), you can work on cards for them.

:-) It's so funny, as I would approach minimum spends on the cards from each AOR, I started begging my parents and siblings to open some cards for them. They asked if I get a cut. I said no it's just fun!

Marco Polo · « **Reply #227 on:** August 23, 2013, 11:47:13 AM »

Quote from: Freddie on August 23, 2013, 11:45:12 AM

:-) It's so funny, as I would approach minimum spends on the cards from each AOR, I started begging my parents and siblings to open some cards for them. They asked if I get a cut. I said no it's just fun!

Fun can be getting an additional vacation after churning cards for them!

Nitantnel · « **Reply #228 on:** August 23, 2013, 02:10:50 PM »

So who has the highest score here?

CountValentine · « **Reply #229 on:** August 23, 2013, 02:57:03 PM »

Daughter has 817.

smaxber · « **Reply #230 on:** August 23, 2013, 06:22:39 PM »

Quote from: CountValentine on August 23, 2013, 02:57:03 PM

Daughter has 817.

She part of this community?

CountValentine · « **Reply #231 on:** August 23, 2013, 08:04:42 PM »

Quote from: smaxber on August 23, 2013, 06:22:39 PM

She part of this community?

I thought we are all one big family.

Nitantnel · « **Reply #232 on:** August 24, 2013, 10:31:15 PM »

Quote from: CountValentine on August 23, 2013, 02:57:03 PM

Daughter has 817.

I guess your'e not maxing out as much as you should be

CountValentine · « **Reply #233 on:** August 24, 2013, 10:38:05 PM »

Quote from: Nitantnel on August 24, 2013, 10:31:15 PM

I guess your'e not maxing out as much as you should be

...or business cards work wonders.

WAM · « **Reply #234 on:** August 25, 2013, 12:00:56 AM »

Quote from: CountValentine on August 23, 2013, 08:04:42 PM

I thought we are all one big family.

We are! I think the question was, is your daughter a member of DDF?

A European · « **Reply #235 on:** August 25, 2013, 01:00:14 AM »

Quote from: A European on August 21, 2013, 10:51:06 PM

Dear A European ,

We're sorry, we were unable to automatically convert your Score Watch® trial to a subscription.

To continue to enjoy the benefits of Score Watch®, please log in within the next 10 days to update your credit card information.

Unfortunately, if we do not hear back from you, we will have to cancel your subscription and you will no longer have access to the benefits that Score Watch® has to offer.

Thank you,

myFICO Customer Care

I love VCC!

ayman · « **Reply #236 on:** August 25, 2013, 01:08:57 AM »

Quote from: A European on August 25, 2013, 01:00:14 AM

I love VCC!

VCN?

A European · « **Reply #237 on:** August 25, 2013, 01:11:14 AM »

Quote from: ayman on August 25, 2013, 01:08:57 AM

VCN?

Yup
card, number, all the same.

Freddie · « **Reply #238 on:** August 25, 2013, 01:59:06 AM »

Yes, I searched the forums.
What's a VCN or VCC?
Obviously I understand it's some sort of dummy placeholder for a cc#. But could anyone explain more? And what are the applications for said VCN or VCC other than not having to cancel Citi IM within 30 days?

ayman · « **Reply #239 on:** August 25, 2013, 02:02:27 AM »

Citi offers you to create a Virtual Card Number to protect your actual cc #. Use this for merchants that you do not trust online or that you want the membership to expire after a set time w/o having to cancel by calling.
There is a thread that details it. I think its in a citi thread, its def in the wiki for the thread.