Author Topic: credit score (Read 829981 times)

ya · « **Reply #2180 on:** January 19, 2016, 11:23:11 AM »

Quote from: CS91 on January 19, 2016, 11:13:06 AM

Does Credit Karma also only update the account and inquiry information every 7 days, or the 7 days is just for the "score." Disputed AUs with TU and when I view my real TU report online, the AUs seem to be gone, but still showing on Credit Karma.

a score is based on the report. A score cant update without the report.

Mordyk · « **Reply #2181 on:** January 19, 2016, 11:23:36 AM »

Quote from: yitrap on January 19, 2016, 11:18:29 AM

Iinm all banks won't report it as late till 30 days, I know for sure Chase and amex don't.

Quote from: coralsnake on January 19, 2016, 11:18:47 AM

No. Only 30+ days.

Thanks just wanted to make sure

CS91 · « **Reply #2182 on:** January 19, 2016, 11:32:08 AM »

Quote from: ya on January 19, 2016, 11:23:11 AM

a score is based on the report. A score cant update without the report.

I'm aware. But that still wouldn't preclude the report from updating instantly and them still only recalculating the score only once a week.

Barryg · « **Reply #2183 on:** January 19, 2016, 12:04:09 PM »

Quote from: CS91 on January 19, 2016, 11:32:08 AM

I'm aware. But that still wouldn't preclude the report from updating instantly and them still only recalculating the score only once a week.

They only update the credit details once a week (the first time you log in after 7 days have passed).

Emkay · « **Reply #2184 on:** January 19, 2016, 04:59:06 PM »

How can i get a report number for Experian?

David Smith · « **Reply #2185 on:** January 19, 2016, 05:08:16 PM »

Quote from: Emkay on January 19, 2016, 04:59:06 PM

How can i get a report number for Experian?

Why do you need one? I think call up Experian, tell them you've gotten adverse action, and ask for a report.

verveist · « **Reply #2186 on:** January 20, 2016, 05:04:16 PM »

what is a charge cards implication on your credit score?
Does since it doesn't have a line of credit not have any implication if you close it ?
or they use your high balance as line of credit so it would be the same as closing a regular credit card?

noturbizniss · « **Reply #2187 on:** January 20, 2016, 08:09:34 PM »

Quote from: verveist on January 20, 2016, 05:04:16 PM

what is a charge cards implication on your credit score?
Does since it doesn't have a line of credit not have any implication if you close it ?
or they use your high balance as line of credit so it would be the same as closing a regular credit card?

The latter

verveist · « **Reply #2188 on:** January 20, 2016, 08:40:54 PM »

thank u
Is there anyway to "move the line of credit" to another charge card ?

yuguy · « **Reply #2189 on:** January 20, 2016, 11:21:03 PM »

Have a friend with poor credit, largely due to a delinquent student loan. He's also an authorized user to a parents card, which consistently has high utilization. He's been AU since '09. Would it be more harmful removing that b/c of the history, or more helpful as the utilization may be harming his overall score/health? TIA.

David Smith · « **Reply #2190 on:** January 20, 2016, 11:31:54 PM »

Quote from: yuguy on January 20, 2016, 11:21:03 PM

Have a friend with poor credit, largely due to a delinquent student loan. He's also an authorized user to a parents card, which consistently has high utilization. He's been AU since '09. Would it be more harmful removing that b/c of the history, or more helpful as the utilization may be harming his overall score/health? TIA.

Remove those accounts, and get him added as am AU to accounts with low utilization and a clean record.

yochiek93 · « **Reply #2191 on:** January 20, 2016, 11:41:35 PM »

Quote from: verveist on January 20, 2016, 08:40:54 PM

thank u
Is there anyway to "move the line of credit" to another charge card ?

Do you mean changing cards (upgrading and downgrading)

yuguy · « **Reply #2192 on:** January 21, 2016, 09:19:58 AM »

Quote from: David Smith on January 20, 2016, 11:31:54 PM

Remove those accounts, and get him added as am AU to accounts with low utilization and a clean record.

That would be my recommendation as well; just wanted a second opinion. Thanks!

Zalc · « **Reply #2193 on:** January 21, 2016, 02:44:16 PM »

What is the best way to see my fico 04 score (mortgages) and full report as often as possible, from each agency?
At least once a month.

verveist · « **Reply #2194 on:** January 21, 2016, 02:51:43 PM »

Quote from: yochiek93 on January 20, 2016, 11:41:35 PM

Do you mean changing cards (upgrading and downgrading)

I mean for instance if I have amex plat. and amex preimer gold and I want to close my plat. is there a way to add the line of credit that showed by the plat. to the line of credit of the p. gold?
(in other words combining)
(I guess not really a possibility but still asking..)

hide4 · « **Reply #2195 on:** January 21, 2016, 04:35:07 PM »

How can I get my credit score without any pull?

Emkay · « **Reply #2196 on:** January 21, 2016, 04:54:20 PM »

Quote from: hide4 on January 21, 2016, 04:35:07 PM

How can I get my credit score without any pull?

Don't have any credit cards that offer it?

hide4 · « **Reply #2197 on:** January 21, 2016, 07:08:03 PM »

Quote from: Emkay on January 21, 2016, 04:54:20 PM

Don't have any credit cards that offer it?

I have the spg card, does that card offer it?

emjee · « **Reply #2198 on:** January 21, 2016, 07:10:06 PM »

So use that

David Smith · « **Reply #2199 on:** January 21, 2016, 07:13:04 PM »

Quote from: hide4 on January 21, 2016, 07:08:03 PM

I have the spg card, does that card offer it?

Yes, you can view your EX 08 with all amex cards. Go to your online login, and one of the options should be to view your FICO score.

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Author Topic: credit score (Read 829981 times)