Author Topic: credit score (Read 841067 times)

D93 · « **Reply #2280 on:** January 28, 2016, 06:20:22 PM »

How do statements that close with a credit affect your utilization?

Mendelssohn · « **Reply #2281 on:** January 28, 2016, 06:20:56 PM »

Quote from: D93 on January 28, 2016, 06:20:22 PM

How do statements that close with a credit affect your utilization?

It reports as $0.

palm tights · « **Reply #2282 on:** January 28, 2016, 08:40:17 PM »

Quote from: David Smith on January 28, 2016, 01:27:07 AM

No, it just means that you have a minor late on your report. Plenty of people get approved for great cards with one 30 day late payment. You can contact creditor and ask them to remove it as a goodwill gesture.

Contact the credit card comapny you mean ?
Does it work ? Does people have luck with doing that?

palm tights · « **Reply #2283 on:** January 28, 2016, 08:41:44 PM »

Quote from: ya on January 28, 2016, 08:24:43 AM

My chase card and my wife's Discover. Having 15 lates is hard to then even remove one as you can not say it was a 1 time thing. Regardless send a letter that will 1)explain why it happened 2)Why it wont happen again 3) how its effecting you.

Where do i find out where to send a letter ?

ya · « **Reply #2284 on:** January 28, 2016, 08:51:18 PM »

Quote from: palm tights on January 28, 2016, 08:41:44 PM

Where do i find out where to send a letter ?

Call them or google

yochiek93 · « **Reply #2285 on:** January 28, 2016, 09:01:14 PM »

Quote from: palm tights on January 28, 2016, 08:40:17 PM

Contact the credit card comapny you mean ?
Does it work ? Does people have luck with doing that?

Yes

David Smith · « **Reply #2286 on:** January 28, 2016, 09:15:04 PM »

Quote from: palm tights on January 28, 2016, 08:40:17 PM

Contact the credit card comapny you mean ?
Does it work ? Does people have luck with doing that?

Yes. Look and ask on credit boards for exactly who to send three request to and how to reach them.

CS91 · « **Reply #2287 on:** January 28, 2016, 10:00:01 PM »

So I requested that my AU accounts be removed from my CRs for the first time this week. I did it by calling each CB separately and they took them off, but just got a letter in the mail from Chase addressed to my wife (she's the primary on the accounts) saying that I've been removed from the account and that any auto-bills that I have attached to that card should be changed (implying that my card won't work anymore). Thing is, my card still works. Is this standard?

ya · « **Reply #2288 on:** January 28, 2016, 10:01:46 PM »

For chase they will work because they have the same card number

CS91 · « **Reply #2289 on:** January 28, 2016, 10:02:26 PM »

Quote from: ya on January 28, 2016, 10:01:46 PM

For chase they will work because they have the same card number

Even though when I buy something online, I put my name in under name on card and billing address?

ya · « **Reply #2290 on:** January 28, 2016, 10:03:50 PM »

CS91 · « **Reply #2291 on:** January 28, 2016, 10:06:04 PM »

Quote from: ya on January 28, 2016, 10:03:50 PM

Yes

Ok, thanks. Is it standard for this to happen? Or did I do something wrong? I was under the impression that the account officially stays open, but just gets removed from my CRs. So for the Amex that I requested be removed, will the card stop working because Amex uses different numbers for AUs?

ya · « **Reply #2292 on:** January 28, 2016, 10:06:31 PM »

Correct

CS91 · « **Reply #2293 on:** January 28, 2016, 10:14:38 PM »

Quote from: ya on January 28, 2016, 10:06:31 PM

Correct

I feel like that's incorrect. When everyone posts about requesting that AUs be removed, it doesn't sound like the cards stop working. Seems like the CRs just remove them because you're not financially responsible, but that the card doesn't stop working.

yochiek93 · « **Reply #2294 on:** January 28, 2016, 10:26:31 PM »

Quote from: CS91 on January 28, 2016, 10:14:38 PM

I feel like that's incorrect. When everyone posts about requesting that AUs be removed, it doesn't sound like the cards stop working. Seems like the CRs just remove them because you're not financially responsible, but that the card doesn't stop working.

+1