Author Topic: credit score (Read 842414 times)

David Smith · « **Reply #1480 on:** November 19, 2015, 07:10:00 PM »

Quote from: Mendelssohn on November 19, 2015, 05:32:44 PM

You can join Voices For American Troops for $14.

They use the same EQ HP for 90 days (except mortgages).

The CCs are nothing special, although they do have an uncapped 5% gas CC if you qualify through certain relationships. I would not recommend MS on their cards.

They are known for the quarterly pre approvals for CCs, loans and the PLOC with SP only.

Max CC exposure is $50K and the PLOC $25K.

Don't join for their free NexGen EQ FICO. It's useless.

If any of these things interest you, it's worth it.

That's what i meant. $14 for the voices for american troops, and $5 for the saving account. The score they give is useless? And why would you not recommend MS on their cards? I liked the 90 day period on one pull, and I'm not too concerned about an EQ pull, but a big reason why i would sign up is for the score. Thanks.

Mendelssohn · « **Reply #1481 on:** November 19, 2015, 07:37:25 PM »

Quote from: David Smith on November 19, 2015, 07:10:00 PM

That's what i meant. $14 for the voices for american troops, and $5 for the saving account. The score they give is useless? And why would you not recommend MS on their cards? I liked the 90 day period on one pull, and I'm not too concerned about an EQ pull, but a big reason why i would sign up is for the score. Thanks.

Because nobody uses a NextGen score. It maxes at 950 FYI.

They are sensitive to MS from reports that I have seen.

David Smith · « **Reply #1482 on:** November 19, 2015, 07:39:48 PM »

Quote from: Mendelssohn on November 19, 2015, 07:37:25 PM

Because nobody uses a NextGen score. It maxes at 950 FYI.

They are sensitive to MS from reports that I have seen.

So if the score was a reason for signing up, it's a waste? The preapprovals sound interesting, but i don't think I'm hitting it just for that.

Mendelssohn · « **Reply #1483 on:** November 19, 2015, 07:42:12 PM »

Quote from: David Smith on November 19, 2015, 07:39:48 PM

So if the score was a reason for signing up, it's a waste? The preapprovals sound interesting, but i don't think I'm hitting it just for that.

People don't join PenFed for the score.

ari2955 · « **Reply #1484 on:** November 19, 2015, 08:58:34 PM »

Quote from: Marko Rubio on November 19, 2015, 04:54:35 PM

i was an au on someones account that was maxed out and my fico score dropped so i closed my au card, that was a year ago but i still see that card on my credit report, however its not showing anymore activity and its not included in my cl, my question is does it still hurt my credit score when it shows on my credit report a card that was maxed out the month i closed it? do i have to call in the cb to dispute it or once i closed it even its on my report its not having a affect on my score?

Bump. I would also like an answer to this Q.

Mendelssohn · « **Reply #1485 on:** November 19, 2015, 11:40:53 PM »

Quote from: ari2955 on November 19, 2015, 08:58:34 PM

Bump. I would also like an answer to this Q.

No impact on scores.

ari2955 · « **Reply #1486 on:** November 19, 2015, 11:48:27 PM »

Thanks!

mendygold92 · « **Reply #1487 on:** November 23, 2015, 06:24:09 PM »

Question: I have only one amex account, but on my report it came up as double,
Should I dispute it or not?
My reason for not disputing it, is that now my total credit limit exceeds 15k, which is useful for getting excepted to another cc, and I pay my bills on time...
So should I dispute or not?

yochiek93 · « **Reply #1488 on:** November 23, 2015, 06:42:23 PM »

Quote from: mendygold92 on November 23, 2015, 06:24:09 PM

Question: I have only one amex account, but on my report it came up as double,
Should I dispute it or not?
My reason for not disputing it, is that now my total credit limit exceeds 15k, which is useful for getting excepted to another cc, and I pay my bills on time...
So should I dispute or not?

Why is there another one?

mendygold92 · « **Reply #1489 on:** November 23, 2015, 06:45:34 PM »

Quote from: yochiek93 on November 23, 2015, 06:42:23 PM

Why is there another one?

I don't know, but on my score it shows a double open amex account, I.E. my statement printed with 47$, so it comes up as 2 amex a cc unts and each 47$...

yochiek93 · « **Reply #1490 on:** November 23, 2015, 06:47:11 PM »

Quote from: mendygold92 on November 23, 2015, 06:45:34 PM

I don't know, but on my score it shows a double open amex account, I.E. my statement printed with 47$, so it comes up as 2 amex a cc unts and each 47$...

Is there an au with your name on it?

mendygold92 · « **Reply #1491 on:** November 23, 2015, 06:49:24 PM »

Quote from: yochiek93 on November 23, 2015, 06:47:11 PM

Is there an au with your name on it?

Oh!! Yeah!! Just realized that, but Its an au from that same account, will it still come up as 2?
and I have 5 au's with my name from that account, shouldn't it come up 5 times?

yochiek93 · « **Reply #1492 on:** November 23, 2015, 07:00:56 PM »

Quote from: mendygold92 on November 23, 2015, 06:49:24 PM

Oh!! Yeah!! Just realized that, but Its an au from that same account, will it still come up as 2?
and I have 5 au's with my name from that account, shouldn't it come up 5 times?

Yep it will
That's interesting why it only came up 2x not 5