Author Topic: credit score (Read 829271 times)

Zalc · « **Reply #2320 on:** February 02, 2016, 04:33:54 PM »

Quote from: Mendelssohn on February 02, 2016, 01:06:42 PM

The CRAs.

Quote from: yochiek93 on February 02, 2016, 03:26:50 PM

#1

From their site:

Quote

I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.

Hard pull?
how long does it usually take to get a response from them?

CS91 · « **Reply #2321 on:** February 02, 2016, 06:20:17 PM »

Quote from: CS91 on February 01, 2016, 02:45:26 PM

Have 3 separate student loan accounts that are 5, 4 and 3 years old that for some reason don't show up on my CRs. Haven't made any payments yet but that's because I was able to defer all of them interest free so they're all in good standing. Do I want them added to my CR? They would raise my AAoA, but already have 3 other student loan accounts on my CR right now.

BUMP. Anyone know?

Mendelssohn · « **Reply #2322 on:** February 02, 2016, 07:25:31 PM »

Quote from: Zalc on February 02, 2016, 04:33:54 PM

From their site:Hard pull?
how long does it usually take to get a response from them?

I've never gotten a hard pull as the result of a dispute.

Reaponse times vary greatly. Expect 30 days with EX.

Mendelssohn · « **Reply #2323 on:** February 02, 2016, 07:26:51 PM »

Quote from: CS91 on February 02, 2016, 06:20:17 PM

BUMP. Anyone know?

You can't force them to report. They will probably report once you start repayment.

CS91 · « **Reply #2324 on:** February 02, 2016, 07:50:33 PM »

Quote from: Mendelssohn on February 02, 2016, 07:26:51 PM

You can't force them to report. They will probably report once you start repayment.

Oh, ok. I feel like it may not be on my report because when the loan was taken out, I didn't yet have a SSN. I've since given it to them though so who knows.

CS91 · « **Reply #2325 on:** February 04, 2016, 02:51:47 PM »

Quote from: Mendelssohn on February 02, 2016, 12:30:11 PM

File a complaint with the CFPB.

Did this and heard back on the dispute with EX already. Same result. They verified that the AU account is mine and therefore have not removed it. I don't get how everyone else gets them removed and I've hit a brickwall...

Mendelssohn · « **Reply #2326 on:** February 04, 2016, 03:17:32 PM »

Quote from: CS91 on February 04, 2016, 02:51:47 PM

Did this and heard back on the dispute with EX already. Same result. They verified that the AU account is mine and therefore have not removed it. I don't get how everyone else gets them removed and I've hit a brickwall...

File another complaint against EX.

CS91 · « **Reply #2327 on:** February 04, 2016, 03:51:31 PM »

Quote from: Mendelssohn on February 04, 2016, 03:17:32 PM

File another complaint against EX.

Same exact complaint? Just resubmit? As a side point, has this ever happened to anyone here?

offers · « **Reply #2328 on:** February 08, 2016, 12:22:37 PM »

If I cancel cc with no pre set spending limit will it affect my credit score as loss of credit line? If yes is it possible to transfer the credit line to different card?

Mendelssohn · « **Reply #2329 on:** February 08, 2016, 07:02:17 PM »

Quote from: offers on February 08, 2016, 12:22:37 PM

If I cancel cc with no pre set spending limit will it affect my credit score as loss of credit line? If yes is it possible to transfer the credit line to different card?

Assuming you are talking about a CC with NPSL and not a charge card, it will effect available credit and utilization. NPSL credit cards still have and report a credit limit. Years ago some did not.

As long as your utilization is in check, your credit score should not change.

Yes, many issuers such as Chase, Citi, BOA, Amex, US Bank, Discover, Barclaycard and Cap1 allow to to move limits.

CS91 · « **Reply #2330 on:** February 15, 2016, 02:50:58 PM »

If I close an AU card, will a credit bureau remove it from my report or will they say it has to stay on my report for 10 years like regular accounts?

Mendelssohn · « **Reply #2331 on:** February 15, 2016, 08:12:28 PM »

Quote from: CS91 on February 15, 2016, 02:50:58 PM

If I close an AU card, will a credit bureau remove it from my report or will they say it has to stay on my report for 10 years like regular accounts?

Sometimes they get removed and sometimes they don't. You shouldn't have an issues getting them deleted in most cases if that's what you want. You can't force them to stick.

CS91 · « **Reply #2332 on:** February 15, 2016, 08:18:11 PM »

Quote from: Mendelssohn on February 15, 2016, 08:12:28 PM

Sometimes they get removed and sometimes they don't. You shouldn't have an issues getting them deleted in most cases if that's what you want. You can't force them to stick.

I want it to be removed. First choice would be to keep the AU account open and still have it removed but having no luck with that.

Venilla · « **Reply #2333 on:** February 18, 2016, 10:21:32 AM »

Seven HUCAs to EQ, no luck in merging inquiries. Any advice?

yochiek93 · « **Reply #2334 on:** February 18, 2016, 11:00:01 AM »

Quote from: Venilla on February 18, 2016, 10:21:32 AM

Seven HUCAs to EQ, no luck in merging inquiries. Any advice?

What did you say?

Venilla · « **Reply #2335 on:** February 18, 2016, 11:04:03 AM »

Quote from: yochiek93 on February 18, 2016, 11:00:01 AM

What did you say?

Me: Hi I applied for a card and I see that by mistake or something there's 2 pulls on my report.

After holding while he checked my report

Rep: It only counts as one.

Me: but I see it as 2, would you be able to update it for me?

Rep: If you want it to be removed you have to contact the creditor.

benjie1305 · « **Reply #2336 on:** February 18, 2016, 11:05:37 AM »

Quote from: Venilla on February 18, 2016, 11:04:03 AM

Me: Hi I applied for a card and I see that by mistake or something there's 2 pulls on my report.

Rep: He checked my report and came back saying that it only counts as one.

Me: but I see it as 2, would you be able to update it for me?

Rep: If you want it to be removed you have to contact the creditor.

Yep. EX no problems, EQ has also not done it for me and I don't know of success stories.

hide4 · « **Reply #2337 on:** February 23, 2016, 02:32:08 PM »

How often does Amex do a soft pull? The last pull they did to my acct was about 2 months ago.

meme · « **Reply #2338 on:** February 23, 2016, 03:47:08 PM »

Just confirming- 2/3bm is a myth? As long as I apply to same bank (chase) on same day it's only one pull?

benjie1305 · « **Reply #2339 on:** February 23, 2016, 03:47:59 PM »

Quote from: meme on February 23, 2016, 03:47:08 PM

Just confirming- 2/3bm is a myth? As long as I apply to same bank (chase) on same day it's only one pull?

Basically.

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Author Topic: credit score (Read 829271 times)