Author Topic: What's Your FICO Score? (Read 173965 times)

mofreed · « **Reply #800 on:** February 02, 2015, 04:49:18 AM »

i just got the usairways card and on their website in your account u can check ure TU fico score i assume its the real score no?

eli.f · « **Reply #801 on:** February 02, 2015, 05:23:44 AM »

Quote from: mofreed on February 02, 2015, 04:49:18 AM

i just got the usairways card and on their website in your account u can check ure TU fico score i assume its the real score no?

Correct

mofreed · « **Reply #802 on:** February 02, 2015, 06:29:03 AM »

cool thx

noturbizniss · « **Reply #803 on:** February 02, 2015, 08:42:16 AM »

Quote from: mofreed on February 02, 2015, 06:29:03 AM

cool thx

Uses slightly different model though

noturbizniss · « **Reply #804 on:** February 02, 2015, 08:43:09 AM »

Quote from: Sport on February 01, 2015, 11:42:10 PM

How long does a missed payment stay on/ affect your credit report?

7 years IINM. If it's the first one call the bank, they may take it off as a courtesy

Sport · « **Reply #805 on:** February 02, 2015, 09:18:07 AM »

Quote from: noturbizniss on February 02, 2015, 08:43:09 AM

7 years IINM. If it's the first one call the bank, they may take it off as a courtesy

it's on a closed account from 4.5 years ago. Any change they'll still take it off. Also, it only shows on experian report, on the trans Union report it says account always offered paid on time. Is that enough evidence to dispute?

killamatic12 · « **Reply #806 on:** February 02, 2015, 11:40:20 AM »

Is it true that checking your credit score (I checked mine with the US airways card)lowers the score?

avromie7 · « **Reply #807 on:** February 02, 2015, 11:49:22 AM »

Quote from: killamatic12 on February 02, 2015, 11:40:20 AM

Is it true that checking your credit score (I checked mine with the US airways card)lowers the score?

No

noturbizniss · « **Reply #808 on:** February 02, 2015, 11:52:17 AM »

Quote from: killamatic12 on February 02, 2015, 11:40:20 AM

Is it true that checking your credit score (I checked mine with the US airways card)lowers the score?

Where did you see that? Checking it will result in a SOFT pull on your report, which, by definition, is only seen by you, not by lenders.

dealfinder85 · « **Reply #809 on:** February 02, 2015, 11:53:19 AM »

Quote from: noturbizniss on February 02, 2015, 11:52:17 AM

Where did you see that? Checking it will result in a SOFT pull on your report, which, by definition, is only seen by you, not by lenders.

+1

Barryg · « **Reply #810 on:** February 02, 2015, 12:29:56 PM »

Quote from: yz b on February 02, 2015, 03:27:34 AM

it's only 2% on up to $1000. but if you're getting discover IT it probably won't hurt to get both. Also there's a referal $50 signup bonus . PM me...

My Blue Cash preferred which has 6% up to $6 spend has 3% on gas unlimited, this would make Chrome useless for the 2% but a why not as an extra card if same pull as IT...

etech0 · « **Reply #811 on:** February 02, 2015, 12:30:45 PM »

Quote from: Barryg on February 02, 2015, 12:29:56 PM

3% on gas unlimited

you sure about that?

eli.f · « **Reply #812 on:** February 02, 2015, 12:47:27 PM »

Quote from: Barryg on February 02, 2015, 12:29:56 PM

My Blue Cash preferred which has 6% up to $6 spend has 3% on gas unlimited, this would make Chrome useless for the 2% but a why not as an extra card if same pull as IT...

Don't get another account if it doesn't benefit you.
It will make it harder to get approved for cards you do want.

Barryg · « **Reply #813 on:** February 02, 2015, 10:50:09 PM »

Quote from: etech0 on February 02, 2015, 12:30:45 PM

you sure about that?

This is what benefits say...
6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%);
3% Cash Back at US gas stations
3% Cash Back at select US department stores; and
1% Cash Back on other purchases.

Do you have reason to believe that it is not unlimited?

etech0 · « **Reply #814 on:** February 02, 2015, 10:52:04 PM »

Quote from: Barryg on February 02, 2015, 10:50:09 PM

This is what benefits say...
6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%);
3% Cash Back at US gas stations
3% Cash Back at select US department stores; and
1% Cash Back on other purchases.

Do you have reason to believe that it is not unlimited?

Good to know! I always assumed otherwise, not sure why. Thanks!

Barryg · « **Reply #815 on:** February 02, 2015, 10:52:35 PM »

Quote from: eli.f on February 02, 2015, 12:47:27 PM

Don't get another account if it doesn't benefit you.
It will make it harder to get approved for cards you do want.

Another card would lower utilization, would add to # of accounts and in long run would make averages better. So it kind of depends on rest of credit report... Truth is by me it wouldn't be a pro or con to credit score, would be about even...

yz b · « **Reply #816 on:** February 03, 2015, 02:57:05 PM »

I mentioned a few days ago that if getting a discover card, also get Chrome (pgs 53-55 of this thread). However, it's definitely worse than Discover IT and is only worth getting in a 2BM. I was just on the phone with Discover and they told me that you can only open one Discover card a year

$:-\$ , so take it with a grain of salt. Either way, if you do plan to open either one I can give you a link that get's both of us $50. PM me.

davidd75 · « **Reply #817 on:** February 06, 2015, 12:59:33 PM »

cant see to access Citi FICO score online

anybody else having issues? I called citi last week and they said they will look into it but nothing doing. When I click on card benefits link it just churns

coralsnake · « **Reply #818 on:** February 06, 2015, 02:28:57 PM »

Quote from: davidd75 on February 06, 2015, 12:59:33 PM

cant see to access Citi FICO score online

it just churns

And the hunter becomes the hunted.

davidd75 · « **Reply #819 on:** February 09, 2015, 09:46:06 AM »

Quote from: coralsnake on February 06, 2015, 02:28:57 PM

And the hunter becomes the hunted.

??