Author Topic: credit score (Read 827116 times)

JTZ · « **Reply #3600 on:** March 30, 2017, 05:02:40 PM »

Quote from: myi on March 30, 2017, 04:57:59 PM

https://www.gofreecredit.com/d3f99e1/tu01a

Ever heard of this? Real report?

Does not say FICO so expect FAKO scores.

JACKBLUE · « **Reply #3601 on:** March 31, 2017, 11:06:40 AM »

I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?

mmgfarb · « **Reply #3602 on:** March 31, 2017, 11:37:06 AM »

Quote from: JACKBLUE on March 31, 2017, 11:06:40 AM

I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?

Try going straight to the CB's.

JACKBLUE · « **Reply #3603 on:** March 31, 2017, 11:38:09 AM »

Quote from: mmgfarb on March 31, 2017, 11:37:06 AM

Try going straight to the CB's.

tried several times, and no luck.

a good yeshiva bachur · « **Reply #3604 on:** March 31, 2017, 12:02:35 PM »

jet blue CC gives a credit score is it FAKO or FICO?

shulem92 · « **Reply #3605 on:** March 31, 2017, 01:44:39 PM »

Quote from: JACKBLUE on March 31, 2017, 11:06:40 AM

I called Amex to remove a closed account from my report as I was only a AU, they said we'll have a supervisor call you in the next 24-48 hours and he'll be able to delete it. It's now a week since then and I didn't receive no call.
Will it be deleted? Anyone had such experience?

did you ever use that card? once you use the card, it gets harder to deal with amex. have the AH call

JACKBLUE · « **Reply #3606 on:** March 31, 2017, 05:14:24 PM »

Quote from: shulem92 on March 31, 2017, 01:44:39 PM

did you ever use that card? once you use the card, it gets harder to deal with amex. have the AH call

yes I did use it.

nafnaf12 · « **Reply #3607 on:** April 01, 2017, 09:11:37 PM »

How badly would credit be impacted having a statement close with 2.5k balance, On an account that's always been closing with $2 balance?

JTZ · « **Reply #3608 on:** April 01, 2017, 09:18:02 PM »

Quote from: nafnaf12 on April 01, 2017, 09:11:37 PM

How badly would credit be impacted having a statement close with 2.5k balance, On an account that's always been closing with $2 balance?

Depends on many other things.

nafnaf12 · « **Reply #3609 on:** April 01, 2017, 09:21:31 PM »

Quote from: JTZ on April 01, 2017, 09:18:02 PM

Depends on many other things.

like?

JTZ · « **Reply #3610 on:** April 01, 2017, 09:43:05 PM »

Quote from: nafnaf12 on April 01, 2017, 09:21:31 PM

like?

CL of card, overall utilization and ten other things.

a good yeshiva bachur · « **Reply #3611 on:** April 02, 2017, 07:43:40 PM »

Quote from: a good yeshiva bachur on March 31, 2017, 12:02:35 PM

jet blue CC gives a credit score is it FAKO or FICO?

JTZ · « **Reply #3612 on:** April 02, 2017, 08:26:17 PM »

Quote from: a good yeshiva bachur on April 02, 2017, 07:43:40 PM

Does it say "FICO" ?

Square · « **Reply #3613 on:** April 03, 2017, 04:02:42 PM »

Quote from: a good yeshiva bachur on April 02, 2017, 07:43:40 PM

FICO

Wizard · « **Reply #3614 on:** April 05, 2017, 02:53:29 PM »

Does the credit utilization part of my credit score have a connection from month to month or each month is a separate eval? Basically, if I have high utilization now but low next month, will my score be lower next month because of the high utilization this month? TIA!!

mochjas · « **Reply #3615 on:** April 05, 2017, 02:59:15 PM »

Quote from: Wizard on April 05, 2017, 02:53:29 PM

Does the credit utilization part of my credit score have a connection from month to month or each month is a separate eval? Basically, if I have high utilization now but low next month, will my score be lower next month because of the high utilization this month? TIA!!

its a month to month evaluation. They do not take into account the previous months utilization

Wizard · « **Reply #3616 on:** April 05, 2017, 03:23:06 PM »

Quote from: mochjas on April 05, 2017, 02:59:15 PM

its a month to month evaluation. They do not take into account the previous months utilization

That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?

mochjas · « **Reply #3617 on:** April 05, 2017, 03:25:04 PM »

Quote from: Wizard on April 05, 2017, 03:23:06 PM

That's great. Thanks.

Late payments do effect the score for more than just one month though, correct?

yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years

Wizard · « **Reply #3618 on:** April 05, 2017, 03:42:56 PM »

Quote from: mochjas on April 05, 2017, 03:25:04 PM

yes late payments stay on the record for a long time not sure exactly how long it could be as little as 2 years or even up to 7 years

Ok thanks

Yehuda@18 · « **Reply #3619 on:** April 07, 2017, 05:51:05 PM »

How many points do you lose every time they pull your credit?

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Author Topic: credit score (Read 827116 times)