Author Topic: What's Your FICO Score? (Read 174521 times)

emak · « **Reply #60 on:** August 13, 2013, 06:10:12 PM »

744 bli ayen hora

milechazzer · « **Reply #61 on:** August 13, 2013, 06:20:42 PM »

727

I just did a 3BM with Chase. How long would it take for the credit pull(s) to hit my credit report and which credit reporting agency would show the pulls?

thx

yaacov37 · « **Reply #62 on:** August 13, 2013, 07:29:20 PM »

Can someone tell me how can i get a stronger credit , I currently have Starwood,sapphire preferred and bank of america CC , total credit line 20000$ using maximum every month 4000$ and length of credit history 18 month . Any advice ? Thanks

smaxber · « **Reply #63 on:** August 13, 2013, 07:31:19 PM »

Quote from: yaacov37 on August 13, 2013, 07:29:20 PM

Can someone tell me how can i get a stronger credit , I currently have Starwood,sapphire preferred and bank of america CC , total credit line 20000$ using maximum every month 4000$ and length of credit history 18 month . Any advice ? Thanks

pay off most of your bill before statement closes. leave a few dollars over.

yaacov37 · « **Reply #64 on:** August 13, 2013, 07:36:39 PM »

Quote from: smaxber on August 13, 2013, 07:31:19 PM

pay off most of your bill before statement closes. leave a few dollars over.

Im doing it , do i have to open more credit cards ? Or increase my credit line ? Thanks

Achas Veachas · « **Reply #65 on:** August 13, 2013, 07:37:14 PM »

735
Oldest account, 6 years 2 months.

smaxber · « **Reply #66 on:** August 13, 2013, 07:51:09 PM »

Quote from: yaacov37 on August 13, 2013, 07:36:39 PM

Im doing it , do i have to open more credit cards ? Or increase my credit line ? Thanks

the more CL u have the better because that means the same $5 will utlize less of your credit $5 of 20k is less utlization than $5 of 10k for example.

this is either done by increasing CL or applying for new CC which in turn increases CL.

better not to waste a hard pull on a CLI and just apply for a CC and when u close it merge the CL

100CountryGoal · « **Reply #67 on:** August 13, 2013, 08:55:02 PM »

791. Have gotten about 15 new credit cards in the past 18 months, but only one inquiry to Equifax (strangely, it was a hard pull from Fidelity for a margin account, in conjunction with the 50K points offer). So at least from an inquiry standpoint, my TU & Experian scores are almost certainly lower. (FAKO scores around 770.)

It is a PITA that you have to call to cancel. I cancelled minutes after seeing my score once I realized I had to call to cancel. Be sure to tell myfico that you cancelled because you have to call to cancel. A few years ago you could cancel online.

sky121 · « **Reply #68 on:** August 13, 2013, 08:57:58 PM »

I cancelled online.
(I thought I did anyways...)

churnbabychurn · « **Reply #69 on:** August 13, 2013, 09:13:34 PM »

Quote from: sky121 on August 13, 2013, 08:57:58 PM

I cancelled online.
(I thought I did anyways...)

+1 I sent them an email. Hope it got canceled.

fredlys · « **Reply #70 on:** August 13, 2013, 09:30:54 PM »

775 thought it would be a bit higher but have been on a credit card spree and ordered 2 cards just 2 months ago. Guess I can't complain .

BOOKY · « **Reply #71 on:** August 13, 2013, 09:54:21 PM »

I wanted to see my score so they asked me 4 questions one was that they see that I have a home loan, by whom did I make it? And the next question is how much money is the loan? My question is that I never took out a loan why would they ask me this question? I answered none of the above. I wanted to press the button to submit but I didn't see it on the screen since I made it from my phone and it didn't load. So I pressed a button and It navigate from that page by mistake now they are telling me that I have to call to answer the questions. Will I have to wait to speak to them for an half an hour? Why are they asking me questions that's not relevant?

Saver2000 · « **Reply #72 on:** August 13, 2013, 09:57:49 PM »

Quote from: BOOKY on August 13, 2013, 09:54:21 PM

I wanted to see my score so they asked me 4 questions one was that they see that I have a home loan, by whom did I make it? And the next question is how much money is the loan? My question is that I never took out a loan why would they ask me this question? I answered none of the above. I wanted to press the button to submit but I didn't see it on the screen since I made it from my phone and it didn't load. So I pressed a button and It navigate from that page by mistake now they are telling me that I have to call to answer the questions. Will I have to wait to speak to them for an half an hour? Why are they asking me questions that's not relevant?

Its security questions. The questions are based on info on your CR and public record.

sky121 · « **Reply #73 on:** August 13, 2013, 10:00:04 PM »

Quote from: churnbabychurn on August 13, 2013, 09:13:34 PM

+1 I sent them an email. Hope it got canceled.

I cancelled under subscriptions?

Achas Veachas · « **Reply #74 on:** August 13, 2013, 10:03:15 PM »

Quote from: sky121 on August 13, 2013, 10:00:04 PM

I cancelled under subscriptions?

When I tried doing that, it said I had to call to cancel. I just changed my credit card to a cancelled number.

BOOKY · « **Reply #75 on:** August 13, 2013, 10:08:28 PM »

Quote from: Saver2000 on August 13, 2013, 09:57:49 PM

Its security questions. The questions are based on info on your CR and public record.

So does it mean that I took out a home loan?

Saver2000 · « **Reply #76 on:** August 13, 2013, 10:19:05 PM »

Quote from: BOOKY on August 13, 2013, 10:08:28 PM

So does it mean that I took out a home loan?

No.
One of the choices should have been "none of the above".

MilesNpoints · « **Reply #77 on:** August 13, 2013, 11:44:17 PM »

Citi vcn and then cancelled the vcn online. What bs, it tells you to click to cancel, then refers you to the #. I emailed them too. FICO high 700's

Super Speed · « **Reply #78 on:** August 14, 2013, 12:21:58 AM »

Quote from: MilesNpoints on August 13, 2013, 11:44:17 PM

Citi vcn and then cancelled the vcn online. What bs, it tells you to click to cancel, then refers you to the #. I emailed them too. FICO high 700's

Same. Why do they say click to cancel and then tell you to call be straight up.

Galitzyaner · « **Reply #79 on:** August 14, 2013, 12:27:33 AM »

Quote from: MilesNpoints on August 13, 2013, 11:44:17 PM

FICO high 700's

Why don't you write the number? Not that I can care less, just thought it was strange...

Do you think s/o can discover your identity that way?! Lol.

#justtryingtounderstand