Author Topic: credit score (Read 827439 times)

eliraps · « **Reply #4380 on:** June 02, 2021, 03:36:28 PM »

i thought chase was the real deal

CountValentine · « **Reply #4381 on:** June 02, 2021, 04:08:12 PM »

Quote from: eliraps on June 02, 2021, 03:36:28 PM

i thought chase was the real deal

Needs to be FICO. No matter who it is from make sure it is FICO or otherwise pretty much useless.

cholent · « **Reply #4382 on:** June 30, 2021, 10:29:08 AM »

Trying to help out a friend. She's had issues with her credit report being inaccurate, apparently the credit bureaus mixed her up with someone else with the same or very similar name. I looked at her 3 reports yesterday and her Experian report is completely blank with the exception of a collections report on a small medical bill. How can she get Experian to fix that and show her actual credit history?

HoKo · « **Reply #4383 on:** July 15, 2021, 05:53:14 PM »

Quote from: cholent on June 30, 2021, 10:29:08 AM

Trying to help out a friend. She's had issues with her credit report being inaccurate, apparently the credit bureaus mixed her up with someone else with the same or very similar name. I looked at her 3 reports yesterday and her Experian report is completely blank with the exception of a collections report on a small medical bill. How can she get Experian to fix that and show her actual credit history?

So did Experian have data at one point but then they accidentally wiped it?

Might be worth asking this type of question on the Fico forums since those guys focus on this type of stuff: https://ficoforums.myfico.com/

nescafe · « **Reply #4384 on:** August 26, 2021, 03:26:26 PM »

My score dropped 44 points cuz my utilization went up to 38% on one specific card this month. Does that make sense?

as2 · « **Reply #4385 on:** August 26, 2021, 03:26:55 PM »

Quote from: nescafe on August 26, 2021, 03:26:26 PM

My score dropped 44 points cuz my utilization went up to 38% on one specific card this month. Does that make sense?

Where are you looking at your score?

nescafe · « **Reply #4386 on:** August 26, 2021, 04:00:43 PM »

Quote from: as2 on August 26, 2021, 03:26:55 PM

Where are you looking at your score?

Credit Karma, Credit wise

CountValentine · « **Reply #4387 on:** August 26, 2021, 04:12:30 PM »

Quote from: nescafe on August 26, 2021, 04:00:43 PM

Credit Karma, Credit wise

Those scores are 100% meaningless.
You can sign up for Experian for free and get a real FICO score.

as2 · « **Reply #4388 on:** August 26, 2021, 04:27:36 PM »

Quote from: nescafe on August 26, 2021, 04:00:43 PM

Credit Karma, Credit wise

Quote from: CountValentine on August 26, 2021, 04:12:30 PM

Those scores are 100% meaningless.
You can sign up for Experian for free and get a real FICO score.

I've long debated that they are not meaningless. They react differently as they are determined by different factors than FICO is. The drop will not be that significant, if at all on your FICO report, but this is still an indicator that the utilization is hurting your credit. Your FICO score will likely follow suit if it's not dealt with. Speaking from first hand experience here.

CountValentine · « **Reply #4389 on:** August 26, 2021, 04:37:20 PM »

Quote from: as2 on August 26, 2021, 04:27:36 PM

I've long debated that they are not meaningless. They react differently as they are determined by different factors than FICO is. The drop will not be that significant, if at all on your FICO report, but this is still an indicator that the utilization is hurting your credit. Your FICO score will likely follow suit if it's not dealt with. Speaking from first hand experience here.

I hear what you are saying and you are aware of CB. They have personal stories all over the place. Even with FAKO going up with FICO going down. Stories about the reverse is also true.

Lets 99.99% meaningless.

nescafe · « **Reply #4390 on:** August 26, 2021, 05:32:13 PM »

Interestingly enough ot only effects my transunion score not eqifax

chaim41 · « **Reply #4391 on:** October 13, 2021, 02:25:03 PM »

I forgot to pay my chase credit card bill on the day it was due. I paid it the following day.
Will that affect my credit score?

Yo ssi · « **Reply #4392 on:** October 13, 2021, 02:31:04 PM »

Quote from: chaim41 on October 13, 2021, 02:25:03 PM

I forgot to pay my chase credit card bill on the day it was due. I paid it the following day.
Will that affect my credit score?

Was your minimum payment amount $0?

Spoon · « **Reply #4393 on:** October 13, 2021, 02:32:05 PM »

Quote from: chaim41 on October 13, 2021, 02:25:03 PM

I forgot to pay my chase credit card bill on the day it was due. I paid it the following day.
Will that affect my credit score?

No

chaim41 · « **Reply #4394 on:** October 13, 2021, 02:36:28 PM »

Quote from: Yo ssi on October 13, 2021, 02:31:04 PM

Was your minimum payment amount $0?

No. It was Thirty something dollars
I'm wondering if it will be reported because the payment was less than 30 days late.

CountValentine · « **Reply #4395 on:** October 13, 2021, 02:37:27 PM »

Quote from: chaim41 on October 13, 2021, 02:36:28 PM

No. It was Thirty something dollars
I'm wondering if it will be reported because the payment was less than 30 days late.

Won't be reported.

Yo ssi · « **Reply #4396 on:** October 13, 2021, 02:39:02 PM »

Quote from: CountValentine on October 13, 2021, 02:37:27 PM

Won't be reported.

How much leeway is there?

chaim41 · « **Reply #4397 on:** October 13, 2021, 02:40:57 PM »

Thank you all!
Is it possible to get the late payment fee of 29.00 reversed?
First late payment and I've had the card for a few years

CountValentine · « **Reply #4398 on:** October 13, 2021, 02:42:19 PM »

Quote from: Yo ssi on October 13, 2021, 02:39:02 PM

How much leeway is there?

https://www.thebalance.com/when-does-a-late-payment-go-on-my-credit-report-960434#:~:text=Late%20payments%20are%20reported%20to%20the%20credit%20bureau,payments%20until%20they%20are%2060%20days%20past%20due.

CountValentine · « **Reply #4399 on:** October 13, 2021, 02:43:54 PM »

Quote from: chaim41 on October 13, 2021, 02:40:57 PM

Thank you all!
Is it possible to get the late payment fee of 29.00 reversed?
First late payment and I've had the card for a few years

Call and ask for a one time curtesy credit. Don't give them a long story. Just say you messed up and ask for the credit.

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Author Topic: credit score (Read 827439 times)