Author Topic: credit score (Read 826822 times)

raphy781 · « **Reply #620 on:** February 24, 2015, 06:36:22 PM »

Quote from: rs242 on February 24, 2015, 06:22:59 PM

question i saw something on my credit report that i wanted to dispute do i need to dispute on all 3 reports or only one and good for all 3?

If it's on all 3 reports then you need to dispute each one.

lyla · « **Reply #621 on:** February 24, 2015, 06:50:55 PM »

I noticed that citi's FICO score goes up to 900 and not 850. Have all the credit bureaus changed?

noturbizniss · « **Reply #622 on:** February 24, 2015, 07:23:54 PM »

Quote from: lyla on February 24, 2015, 06:50:55 PM

I noticed that citi's FICO score goes up to 900 and not 850. Have all the credit bureaus changed?

many kinds of scores
http://www.fico.com/en/products?solutions=44&sort=ASC

nocknock · « **Reply #623 on:** February 25, 2015, 02:30:43 PM »

I applied for a card, everything was my info (ss#, mother's maiden name) except the first name was my wife's.

The card was approved, but i wasn't able to add it to my profile neither to my wife's ...... bla bla bla there was a whole bank mess up.

Question is: Did it go on someone's credit report the opening and closing of the card?

DMYD · « **Reply #624 on:** February 25, 2015, 02:35:27 PM »

Quote from: nocknock on February 25, 2015, 02:30:43 PM

I applied for a card, everything was my info (ss#, mother's maiden name) except the first name was my wife's.

The card was approved, but i wasn't able to add it to my profile neither to my wife's ...... bla bla bla there was a whole bank mess up.

Question is: Did it go on someone's credit report the opening and closing of the card?

They pulled your SS so its on your SS. you can check on your report

TimT · « **Reply #625 on:** February 25, 2015, 02:36:20 PM »

Quote from: nocknock on February 25, 2015, 02:30:43 PM

Question is: Did it go on someone's credit report the opening and closing of the card?

Who closed it ?

nocknock · « **Reply #626 on:** February 25, 2015, 02:39:33 PM »

It was closed due to fraud.... So it seems that it didn't go up on nobody name

nocknock · « **Reply #627 on:** February 25, 2015, 02:57:14 PM »

Quote from: Dav on February 25, 2015, 02:35:27 PM

They pulled your SS so its on your SS. you can check on your report

1st of all I enjoyed your TR זאלסט האבען געפוילט אלעס גוטס

The reason why I think it didn't go up on the report because if it has to do with SS why didn't chase let me link this card to any profile?

DMYD · « **Reply #628 on:** February 25, 2015, 02:59:05 PM »

Quote from: nocknock on February 25, 2015, 02:57:14 PM

1st of all I enjoyed your TR זאלסט האבען געפוילט אלעס גוטס

The reason why I think it didn't go up on the report because if it has to do with SS why didn't chase let me link this card to any profile?

Cuz the name doesn't match, you can just check your credit and confirm that.

username · « **Reply #629 on:** February 25, 2015, 03:42:41 PM »

Friend had a long disagreement with a local tax authority. Long story short, they put a lien on his business, which he paid off the next day. Any way to get it removed from his credit history? It shows that the lien has been removed, but it still is a black mark for him.

freddy · « **Reply #630 on:** March 10, 2015, 04:31:47 PM »

How often is the Barclay Fico score supposed to update?

noturbizniss · « **Reply #631 on:** March 10, 2015, 04:37:49 PM »

Quote from: freddy on March 10, 2015, 04:31:47 PM

How often is the Barclay Fico score supposed to update?

Randomly. Mine did nothing for 2 or 3months then 3 times in 2 months
Store have supposed it updated when the score actually changes

Marco Polo · « **Reply #632 on:** March 10, 2015, 04:56:54 PM »

Quote from: freddy on March 10, 2015, 04:31:47 PM

How often is the Barclay Fico score supposed to update?

Mine goes once a month.

caliheat · « **Reply #633 on:** March 10, 2015, 07:06:27 PM »

Quote from: freddy on March 10, 2015, 04:31:47 PM

How often is the Barclay Fico score supposed to update?

Mine too is YMMV

Tom Brady · « **Reply #634 on:** March 11, 2015, 02:06:18 PM »

Say someone's only card for years was a charge card (amex gold), and he always had the statement close with 10k each month. Will his score really be terrible because of the utilization, or is it somehow different with charge cards?

benjie1305 · « **Reply #635 on:** March 11, 2015, 02:08:22 PM »

Quote from: Tom Brady on March 11, 2015, 02:06:18 PM

Say someone's only card for years was a charge card (amex gold), and he always had the statement close with 10k each month. Will his score really be terrible because of the utilization, or is it somehow different with charge cards?

I saw this. Might be worth a quick read.

Tom Brady · « **Reply #636 on:** March 11, 2015, 02:14:10 PM »

Quote from: benjie1305 on March 11, 2015, 02:08:22 PM

I saw this. Might be worth a quick read.

Thanks! So they say the utilization of a charge card does not count towards the utilization affecting your credit score at all... Interesting.

Aj3042 · « **Reply #637 on:** March 11, 2015, 02:22:17 PM »

Quote from: Tom Brady on March 11, 2015, 02:14:10 PM

Thanks! So they say the utilization of a charge card does not count towards the utilization affecting your credit score at all... Interesting.

Here's a data point for you. I've read that it doesn't count toward the utilization of that card but it does toward the overall utilization of all debt vs credit.

benjie1305 · « **Reply #638 on:** March 11, 2015, 02:27:26 PM »

Quote from: Aj3042 on March 11, 2015, 02:22:17 PM

Here's a data point for you. I've read that it doesn't count toward the utilization of that card but it does toward the overall utilization of all debt vs credit.

If thats true, that would be amazing as it seems that Charge card utilization is 0% then. Meaning it lowers overall utilization.

Aj3042 · « **Reply #639 on:** March 11, 2015, 02:31:05 PM »

Quote from: benjie1305 on March 11, 2015, 02:27:26 PM

If thats true, that would be amazing as it seems that Charge card utilization is 0% then. Meaning it lowers overall utilization.

No to the contrary if you put 10k on the charge card and you have only 20k credit on your cc's you'll be using 10k/20k. So it's a bad thing.

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Author Topic: credit score (Read 826822 times)