Author Topic: question with three browser method (Read 135563 times)

good sam · « **Reply #420 on:** December 06, 2011, 12:08:06 PM »

Quote from: LAXtraveler on December 06, 2011, 12:06:33 PM

So, I just got targeted for the CO 50k and the UA 50k. I would also like to get the SP 50k. I know my official Experian score is not as high as I would like it to be and my TU and Equifax are a bit higher. I am not too keen on freezing my report because it is a hassle... if I have excellent credit otherwise, is it still worth it to go for the 3BM?

for a chance at 150k, I say definitely!

dwkl · « **Reply #421 on:** December 06, 2011, 12:10:57 PM »

Quote from: myb821 on March 24, 2011, 05:31:37 PM

one more quick question amex pulls form experian where i am based on my previous amex but i do not have away toget another copy of it i already did the 30 day free trial any ideas how to get it later in the month after i apply?

TRY THIS LINK
https://www.creditkarma.com/logon

LAXtraveler · « **Reply #422 on:** December 06, 2011, 12:12:18 PM »

I've never used the free annualcreditreport.com service. Is it worth it to do that now before I do a 3BM?

Dan · « **Reply #423 on:** December 06, 2011, 12:27:52 PM »

Quote from: LAXtraveler on December 06, 2011, 12:06:33 PM

So, I just got targeted for the CO 50k and the UA 50k.

Just beware that if you have gotten the CO/UA bonus in the past on that targeted mileage account that they will deny the bonus.

bubbles · « **Reply #424 on:** December 06, 2011, 12:28:13 PM »

Quote from: dwkl on December 06, 2011, 12:10:57 PM

TRY THIS LINK
https://www.creditkarma.com/logon

Your answering a question from 8 months ago and CK only shows TU

LAXtraveler · « **Reply #425 on:** December 06, 2011, 12:29:25 PM »

Quote from: Dan on December 06, 2011, 12:27:52 PM

Just beware that if you have gotten the CO/UA bonus in the past on that targeted mileage account that they will deny the bonus.

Never gotten it on this account. My wife has on hers only.

What are your thoughts on picking up a free annualcreditreport.com report before I do the 3BM? I know what my Experian and my TU scores were about 3 weeks ago because I had a hard pull for a new car.

AJK · « **Reply #426 on:** December 06, 2011, 12:54:53 PM »

Quote from: LAXtraveler on December 06, 2011, 12:29:25 PM

Never gotten it on this account. My wife has on hers only.

What are your thoughts on picking up a free annualcreditreport.com report before I do the 3BM? I know what my Experian and my TU scores were about 3 weeks ago because I had a hard pull for a new car.

Just an FYI, AFIAK the free credit report does not come with a score. Someone CMIIW.

LAXtraveler · « **Reply #427 on:** December 06, 2011, 12:56:39 PM »

Quote from: AJK on December 06, 2011, 12:54:53 PM

Just an FYI, AFIAK the free credit report does not come with a score. Someone CMIIW.

Thanks for the heads up. If I know roughly my scores (EX and TU) because of my recent pulls for my car, should I even try to figure out something more up to date?

Also, in general, all the banks around me have pulled EX so I'm not sure TU or EQ even matter so much.

AJK · « **Reply #428 on:** December 06, 2011, 12:59:00 PM »

Quote from: LAXtraveler on December 06, 2011, 12:56:39 PM

Thanks for the heads up. If I know roughly my scores (EX and TU) because of my recent pulls for my car, should I even try to figure out something more up to date?

Also, in general, all the banks around me have pulled EX so I'm not sure TU or EQ even matter so much.

How recent were the pulls for your car?

I mean a lot can happen in a month or two, but assuming there hasn't been any missed payment or max outs on util %, if they got pulled within the last several months, I'd just as soon use them as good indicators.

Also, if you want, you can sign up for the $1 Identity monitor trial for 30 days (just dont forget to cancel). That way you can see for sure.

LAXtraveler · « **Reply #429 on:** December 06, 2011, 01:00:05 PM »

Quote from: AJK on December 06, 2011, 12:59:00 PM

How recent were the pulls for your car?

I mean a lot can happen in a month or two, but assuming there hasn't been any missed payment or max outs on util %, if they got pulled within the last several months, I'd just as soon use them as good indicators.

About 3 weeks ago. I am also trying to pre-pay all my revolving accounts this week so I can do a 3BM next week with pretty low util % at the time of the pull.

AJK · « **Reply #430 on:** December 06, 2011, 01:04:50 PM »

Quote from: LAXtraveler on December 06, 2011, 01:00:05 PM

About 3 weeks ago. I am also trying to pre-pay all my revolving accounts this week so I can do a 3BM next week with pretty low util % at the time of the pull.

See my edited post above.

In any case, I think you should be fine with those scores and the fact that your banks normally pull from EX.

Paying before the statement date is also a good practice for lowering the util %. Good move.

LAXtraveler · « **Reply #431 on:** December 06, 2011, 01:32:58 PM »

Quote from: AJK on December 06, 2011, 01:04:50 PM

See my edited post above.

In any case, I think you should be fine with those scores and the fact that your banks normally pull from EX.

Paying before the statement date is also a good practice for lowering the util %. Good move.

I've already used the Citi Identity Monitor and cancelled once. Is it churnable?

Dan · « **Reply #432 on:** December 06, 2011, 01:33:41 PM »

Quote from: LAXtraveler on December 06, 2011, 01:32:58 PM

I've already used the Citi Identity Monitor and cancelled once. Is it churnable?

Yes

good sam · « **Reply #433 on:** December 06, 2011, 01:35:49 PM »

Quote from: LAXtraveler on December 06, 2011, 01:32:58 PM

I've already used the Citi Identity Monitor and cancelled once. Is it churnable?

CreditSesame.com gives your Experian fako

LAXtraveler · « **Reply #434 on:** December 06, 2011, 01:36:26 PM »

Quote from: good sam on December 06, 2011, 01:35:49 PM

CreditSesame.com gives your Experian fako

Yup, I already have that. And it's so FAKO it's far off from my FICO.

good sam · « **Reply #435 on:** December 06, 2011, 01:36:57 PM »

how far?

LAXtraveler · « **Reply #436 on:** December 06, 2011, 01:37:29 PM »

Quote from: good sam on December 06, 2011, 01:36:57 PM

how far?

It was about 20 points off.

moko · « **Reply #437 on:** December 06, 2011, 02:35:28 PM »

that's not far off for a FAKO Quizzle was about 70 points off by me

ye · « **Reply #438 on:** December 06, 2011, 03:29:11 PM »

Quote from: Dan on December 06, 2011, 12:27:52 PM

Just beware that if you have gotten the CO/UA bonus in the past on that targeted mileage account that they will deny the bonus.

Even if you enter a new OnePass # on the application?

good sam · « **Reply #439 on:** December 06, 2011, 06:23:31 PM »

Quote from: moko on December 06, 2011, 02:35:28 PM

that's not far off for a FAKO Quizzle was about 70 points off by me

I just signed up for Quizzle. It's 32 points off. Creditsesame is only 1 points off. But Quizzle is the only free one I can find that shows your pulls on experian.