Author Topic: What's Your FICO Score? (Read 174018 times)

eli.f · « **Reply #920 on:** April 28, 2015, 03:18:56 PM »

So I'm an Amex member since '06. Just opened 2 new personal cards and 1 business. The personal came with MSD '06 and the business came with MSD '15.
I called Amex and they said they'll send a new one with the correct date, but I just checked my report and they all show up as opened on 3/2015.
Anyone had this problem? Any ideas? I was really hoping to lower my AAoA.

Thanks

tjak · « **Reply #921 on:** April 28, 2015, 03:32:13 PM »

Quote from: eli.f on April 28, 2015, 03:18:56 PM

So I'm an Amex member since '06. Just opened 2 new personal cards and 1 business. The personal came with MSD '06 and the business came with MSD '15.
I called Amex and they said they'll send a new one with the correct date, but I just checked my report and they all show up as opened on 3/2015.
Anyone had this problem? Any ideas? I was really hoping to lower my AAoA.

Thanks

http://www.doctorofcredit.com/american-express-no-longer-backdating-new-credit-cards/

eli.f · « **Reply #922 on:** April 28, 2015, 03:39:30 PM »

Quote from: tjak on April 28, 2015, 03:32:13 PM

http://www.doctorofcredit.com/american-express-no-longer-backdating-new-credit-cards/

Oh man

Just missed it. I actually pushed off my apps a little. Who knew this would be the outcome.
ניחום אבלים at my place. Bring eggs and lentils.

rileywiles23 · « **Reply #923 on:** April 28, 2015, 03:46:44 PM »

Quote from: eli.f on April 28, 2015, 03:39:30 PM

Oh man
Just missed it. I actually pushed off my apps a little. Who knew this would be the outcome.
ניחום אבלים at my place. Bring eggs and lentils.

What about ashes ?

eli.f · « **Reply #924 on:** April 28, 2015, 03:48:27 PM »

Quote from: rileywiles23 on April 28, 2015, 03:46:44 PM

What about ashes ?

(אבלים eat ash too? I thought that was only Av 9th.)

Aj3042 · « **Reply #925 on:** April 28, 2015, 03:50:22 PM »

Wow this is a big change. Pretty under the radar.
As a side point, I thought Amex never backdated business cards, or at least not to dates of opening of personals.

eli.f · « **Reply #926 on:** April 28, 2015, 03:52:36 PM »

Quote from: Aj3042 on April 28, 2015, 03:50:22 PM

Wow this is a big change. Pretty under the radar.
As a side point, I thought Amex never backdated business cards, or at least not to dates of opening of personals.

They had no problem sending me a new business card with my original MSD on it.

Aj3042 · « **Reply #927 on:** April 28, 2015, 03:55:46 PM »

Quote from: eli.f on April 28, 2015, 03:52:36 PM

They had no problem sending me a new business card with my original MSD on it.

I thought you said they sent the biz card with MSD of 2015?

eli.f · « **Reply #928 on:** April 28, 2015, 04:00:02 PM »

Quote from: Aj3042 on April 28, 2015, 03:55:46 PM

I thought you said they sent the biz card with MSD of 2015?

Yes, but I also wrote that I contacted them and they fixed it.

ushdadude · « **Reply #929 on:** May 07, 2015, 01:44:36 PM »

If i used vcc for trial and forgot to cancel before trial was up, will they mess with my credit for the amount owed?

Achas Veachas · « **Reply #930 on:** May 07, 2015, 01:49:18 PM »

Quote from: ushdadude on May 07, 2015, 01:44:36 PM

If i used vcc for trial and forgot to cancel before trial was up, will they mess with my credit for the amount owed?

No, they just won't let you log in to see your score anymore.

ushdadude · « **Reply #931 on:** May 07, 2015, 01:52:28 PM »

Quote from: Achas Veachas on May 07, 2015, 01:49:18 PM

No, they just won't let you log in to see your score anymore.

thanks

caliheat · « **Reply #932 on:** May 08, 2015, 12:09:50 AM »

Another reference point:
My boss was 30 days late on a payment and his scores went down 36 & 45 points on Experian & Equifax.

ChaimMoskowitz · « **Reply #933 on:** May 08, 2015, 12:31:00 AM »

Quote from: caliheat on May 08, 2015, 12:09:50 AM

Another reference point:
My boss was 30 days late on a payment and his scores went down 36 & 45 points on Experian & Equifax.

FICO or FAKO?

yitrap · « **Reply #934 on:** May 08, 2015, 02:13:15 AM »

Quote from: ChaimMoskowitz on May 08, 2015, 12:31:00 AM

FICO or FAKO?

Fako will tell you which agency it's getting the info from?

ChaimMoskowitz · « **Reply #935 on:** May 08, 2015, 02:20:22 AM »

Quote from: yitrap on May 08, 2015, 02:13:15 AM

Fako will tell you which agency it's getting the info from?

Sure.

Emkay · « **Reply #936 on:** May 08, 2015, 05:05:54 AM »

is there a wiki somewhere summarizing which banks provide which scores and which of the free credit monitoring sites monitor which bureaus ?

eli.f · « **Reply #937 on:** May 08, 2015, 05:07:11 AM »

Quote from: Emkay on May 08, 2015, 05:05:54 AM

is there a wiki somewhere summarizing which banks provide which scores and which of the free credit monitoring sites monitor which bureaus ?

I don't think so, but your'e welcome to start one

MosheD · « **Reply #938 on:** May 08, 2015, 08:39:35 AM »

I got an emaill that us bank is changing providers for free credit score.
Does anyone know if new one will be FICO or FAKO?

eli.f · « **Reply #939 on:** May 08, 2015, 09:14:47 AM »

Quote from: MosheD on May 08, 2015, 08:39:35 AM

I got an emaill that us bank is changing providers for free credit score.
Does anyone know if new one will be FICO or FAKO?

Does the email say anything at all?