Author Topic: credit score (Read 841438 times)

rileywiles23 · « **Reply #3040 on:** July 31, 2016, 01:12:47 PM »

Just had a 50 points drop in my Equifax credit score ( as per citis website ) and can't figure out why.
Don't see anything that could have triggered it.

yochiek93 · « **Reply #3041 on:** July 31, 2016, 01:14:18 PM »

Quote from: rileywiles23 on July 31, 2016, 01:12:47 PM

Just had a 50 points drop in my Equifax credit score ( as per citis website ) and can't figure out why.
Don't see anything that could have triggered it.

What did you do this month?

rileywiles23 · « **Reply #3042 on:** July 31, 2016, 01:15:28 PM »

Quote from: yochiek93 on July 31, 2016, 01:14:18 PM

What did you do this month?

Nothing. No cc apps. No missed payments. No high balances. Very odd.

ben89 · « **Reply #3043 on:** July 31, 2016, 02:15:15 PM »

Why did I just get an email from Citi that I could get my fico score for free? Was it only certain Citi cards and now all of them?

Cappy · « **Reply #3044 on:** July 31, 2016, 05:11:37 PM »

Quote from: rileywiles23 on July 31, 2016, 01:12:47 PM

Just had a 50 points drop in my Equifax credit score ( as per citis website ) and can't figure out why.
Don't see anything that could have triggered it.

When was it updated? What's the date on the score?

rileywiles23 · « **Reply #3045 on:** July 31, 2016, 05:15:21 PM »

Quote from: Cappy on July 31, 2016, 05:11:37 PM

When was it updated? What's the date on the score?

The date on the score is 06/21 but on 05/24 it was 50 points higher. Guess I can wait to see what happens when it updated again, but just weird that I dipped so low.

Cappy · « **Reply #3046 on:** July 31, 2016, 05:22:01 PM »

Quote from: rileywiles23 on July 31, 2016, 05:15:21 PM

The date on the score is 06/21 but on 05/24 it was 50 points higher. Guess I can wait to see what happens when it updated again, but just weird that I dipped so low.

A 50 point drop is something to be concerned about coming out of nowhere.

Sign up at creditchecktotal.com for a 7 day $1 trial.

Will give you updated ficos as of today and your 3 reports.

Look into it ASAP.

rileywiles23 · « **Reply #3047 on:** July 31, 2016, 05:41:51 PM »

Quote from: Cappy on July 31, 2016, 05:22:01 PM

A 50 point drop is something to be concerned about coming out of nowhere.

Sign up at creditchecktotal.com for a 7 day $1 trial.

Will give you updated ficos as of today and your 3 reports.

Look into it ASAP.

After you pointed out the dates of the score, I realized what happened. I had a cc bill from Barclays that closed with an af in may, that I forgot about, which was reported as a missed payment.
Barclay agreed to waive the annual fee, and retroactively had the penalties removed from my credit report.
The credit score drop must have happened bec. of that, and the score never updated yet to reflect the penalties dismissal.
Interestingly enough my transunion, and Experian score didn't take such a plunge.
Thanks for the help, Cappy.

Cappy · « **Reply #3048 on:** July 31, 2016, 06:12:02 PM »

Quote from: rileywiles23 on July 31, 2016, 05:41:51 PM

After you pointed out the dates of the score, I realized what happened. I had a cc bill from Barclays that closed with an af in may, that I forgot about, which was reported as a missed payment.
Barclay agreed to waive the annual fee, and retroactively had the penalties removed from my credit report.
The credit score drop must have happened bec. of that, and the score never updated yet to reflect the penalties dismissal.
Interestingly enough my transunion, and Experian score didn't take such a plunge.
Thanks for the help, Cappy.

Always gotta be on top of the game when it comes to this stuff

Glad you figured it out

Thingywingy · « **Reply #3049 on:** August 08, 2016, 11:45:45 PM »

One of the people who's accounts I help manage saw a steep decline in 56 points from April to May (according to the Amex Fico history graph). It has since come back 19 points. Whats easiest way to see what cause that steep decline?

yochiek93 · « **Reply #3050 on:** August 09, 2016, 12:36:22 AM »

Quote from: Thingywingy on August 08, 2016, 11:45:45 PM

One of the people who's accounts I help manage saw a steep decline in 56 points from April to May (according to the Amex Fico history graph). It has since come back 19 points. Whats easiest way to see what cause that steep decline?

Quote from: Cappy on July 31, 2016, 05:22:01 PM

Sign up at creditchecktotal.com for a 7 day $1 trial.

Will give you updated ficos as of today and your 3 reports.

Yitzshpitz · « **Reply #3051 on:** August 16, 2016, 04:09:41 PM »

I see on my credit report that when I signed up for 2 amex cards last year, 1 buz and 1 personal I see bc they made me wait (they said since other app is pending) it counted as 2 pulls. Can I dispute this? What do I tell them?

YOSSI170 · « **Reply #3052 on:** August 16, 2016, 05:11:13 PM »

Quote from: Yitzshpitz on August 16, 2016, 04:09:41 PM

I see on my credit report that when I signed up for 2 amex cards last year, 1 buz and 1 personal I see bc they made me wait (they said since other app is pending) it counted as 2 pulls. Can I dispute this? What do I tell them?

Call experian and say that you applied for a Amex card and they by mistake pulled 2 times and they should please remove it.

Hamavin · « **Reply #3053 on:** August 23, 2016, 10:44:54 PM »

Applied today for an ink and reserve...reserve get accepted and Ink declined cuz they said a collection agency called Trident assets mngmt llc reported a $244 debt. I never heard of them and never recieved anything from them and when googling it they seem like they have alot of complaints to BBB. How do I go about disputing this cuz still wanna call recon back within 30 days and get this app approved??

noturbizniss · « **Reply #3054 on:** August 24, 2016, 07:09:12 AM »

Quote from: Hamavin on August 23, 2016, 10:44:54 PM

Applied today for an ink and reserve...reserve get accepted and Ink declined cuz they said a collection agency called Trident assets mngmt llc reported a $244 debt. I never heard of them and never recieved anything from them and when googling it they seem like they have alot of complaints to BBB. How do I go about disputing this cuz still wanna call recon back within 30 days and get this app approved??

Are they showing up on ur cr as a collector? Or are any collections showing up?

Hamavin · « **Reply #3055 on:** August 24, 2016, 09:34:28 AM »

They came onto my credit report as collection...I just remembered its a 10 year old sprint bill wich I got into an disagreement and I believe I dont have to pay. Regardless this company throws it onto my CR 9 years later. Can I dispute?

Triple Canopy · « **Reply #3056 on:** August 24, 2016, 10:25:29 AM »

Quote from: Hamavin on August 24, 2016, 09:34:28 AM

They came onto my credit report as collection...I just remembered its a 10 year old sprint bill wich I got into an disagreement and I believe I dont have to pay. Regardless this company throws it onto my CR 9 years later. Can I dispute?

Absolutely. It's not allowed on the report after 7 years.

smiles · « **Reply #3057 on:** August 24, 2016, 03:17:30 PM »

Can I dispute accounts that show up on my credit report if I'm only an authorized user?

How long does it usually take for a dispute to be resolved?

Triple Canopy · « **Reply #3058 on:** August 24, 2016, 05:22:30 PM »

Quote from: smiles on August 24, 2016, 03:17:30 PM

Can I dispute accounts that show up on my credit report if I'm only an authorized user?

How long does it usually take for a dispute to be resolved?

Yes, it should not take more than 30 days once they receive the dispute. You are disputing the account as "not mine" because technically it is not your account.

Hamavin · « **Reply #3059 on:** August 24, 2016, 07:05:53 PM »

Quote from: Triple Canopy on August 24, 2016, 10:25:29 AM

Absolutely. It's not allowed on the report after 7 years.

Its not allowed to report 7 years later even if they gave to agency 8 years later and agency reports cuz they just got it?

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Author Topic: credit score (Read 841438 times)