Author Topic: credit score (Read 827214 times)

Luvisrael · « **Reply #4180 on:** January 22, 2019, 02:56:07 PM »

Anyone have experience getting a paid charge off removed from ur credit report? Would pay to have this done...
Anyone use Lexington law?

ExGingi · « **Reply #4181 on:** January 23, 2019, 04:48:31 PM »

Quote from: davidrotts63 on January 14, 2019, 02:43:16 PM

Aha. IINM they used different CRAs, otherwise not.

An interesting thing I just discovered today. Discover.com uses TransUnion when showing FICO scores for cardholders, whereas CreditScorecard.com by Discover uses Experian. I checked both scores today and there was more than a 40 point difference (which could also be explained by different dates of pull).

ludmila · « **Reply #4182 on:** January 24, 2019, 01:31:35 AM »

Quote from: ExGingi on January 23, 2019, 04:48:31 PM

An interesting thing I just discovered today. Discover.com uses TransUnion when showing FICO scores for cardholders, whereas CreditScorecard.com by Discover uses Experian. I checked both scores today and there was more than a 40 point difference (which could also be explained by different dates of pull).

Thanks, was not familiar with creditscorecard.com .

Luvisrael · « **Reply #4183 on:** January 29, 2019, 02:26:15 PM »

Has anyone successfully had a deletion on credit report because u mailed in a “609” letter?

foseph · « **Reply #4184 on:** February 12, 2019, 02:13:57 PM »

Got an email that USAA is now giving experian fico

yeshivabucher · « **Reply #4185 on:** February 12, 2019, 07:27:55 PM »

for those who cant stand the new amex score i was just able to check my fico score through amex on the account service page

ludmila · « **Reply #4186 on:** February 12, 2019, 07:35:53 PM »

Quote from: yeshivabucher on February 12, 2019, 07:27:55 PM

for those who cant stand the new amex score i was just able to check my fico score through amex on the account service page

Is it the same like the old one?

ExGingi · « **Reply #4187 on:** February 12, 2019, 07:53:51 PM »

Quote from: foseph on February 12, 2019, 02:13:57 PM

Got an email that USAA is now giving experian fico

Is that only for CC holders, I don't recall seeing anything on the bank account side.

ExGingi · « **Reply #4188 on:** February 14, 2019, 05:20:59 PM »

Do balances on accounts where I am an AU affect my credit score? If yes, what's the best way to fix this (other than having AH pay off the balance).

davidrotts63 · « **Reply #4189 on:** February 14, 2019, 05:27:18 PM »

If they are reported, 100%!
You need to have them removed, the best way to do that is with the bank, for Amex call 18008742717, they are as easy they they come (aside for when a spouse is the AH).
For Chase they will make you cancel the AU first, I don't know much about other banks. If the banks won't remove it, dispute it with all 3 CRAs and it'll be off in no time (again, unless they know your spouse is the AH)
Good luck!

ludmila · « **Reply #4190 on:** February 14, 2019, 09:30:55 PM »

Quote from: davidrotts63 on February 14, 2019, 05:27:18 PM

If they are reported, 100%!
You need to have them removed, the best way to do that is with the bank, for Amex call 18008742717, they are as easy they they come (aside for when a spouse is the AH).
For Chase they will make you cancel the AU first, I don't know much about other banks. If the banks won't remove it, dispute it with all 3 CRAs and it'll be off in no time (again, unless they know your spouse is the AH)
Good luck!

What is AH? Primary account holder?
So with Amex they will remove them without closing the AU card, and with Chase need to close the AU card first? Who needs to call , the primary holder or the AU?Thanks.

davidrotts63 · « **Reply #4191 on:** February 14, 2019, 09:32:40 PM »

Quote from: ludmila on February 14, 2019, 09:30:55 PM

What is AH? Primary account holder?
So with Amex they will remove them without closing the AU card, and with Chase need to close the AU card first? Who needs to call , the primary holder or the AU?Thanks.

Yes. Yes. Either IINM for Amex, only experience with AH for Chase

oldguy · « **Reply #4192 on:** February 14, 2019, 11:26:11 PM »

Quote from: davidrotts63 on February 14, 2019, 05:27:18 PM

If they are reported, 100%!
You need to have them removed, the best way to do that is with the bank, for Amex call 18008742717, they are as easy they they come (aside for when a spouse is the AH).
For Chase they will make you cancel the AU first, I don't know much about other banks. If the banks won't remove it, dispute it with all 3 CRAs and it'll be off in no time (again, unless they know your spouse is the AH)
Good luck!

An AU on my Chase card that i took off still had the card on his report as: responsibility - Terminated. It still infales his history, even after it was closed.

ludmila · « **Reply #4193 on:** February 14, 2019, 11:27:47 PM »

Quote from: oldguy on February 14, 2019, 11:26:11 PM

An AU on my Chase card that i took off still had the card on his report as: responsibility - Terminated. It still infales his history, even after it was closed.

Can't he insist that the CBs remove it completely?

oldguy · « **Reply #4194 on:** February 14, 2019, 11:47:12 PM »

Quote from: ludmila on February 14, 2019, 11:27:47 PM

Can't he insist that the CBs remove it completely?

I have no idea.
In that case the Au wanted it on his credit report, because without it he had a very thin credit file. The reason i took him off was because Chase closed all his cards, and that same day my cards were also closed, and I felt he was the trigger (Or I was the trigger to him) BH i was able to get them all reinstated (and btw when they reinstated my accounts, they even reinstated a card that they closed by my last A/A in 2012 or 2013 without even asking!) but I was scared to keep him on, so i took him off.

Zalc · « **Reply #4195 on:** February 24, 2019, 06:22:07 PM »

Does Capital One still do GoodWill removal?

Got hit with a 30 day late on a card that's been open in good standing for over 15 years, over a small balance. (Changed bank accounts and forgot autopay)

What kind of things can I try to get them to remove it?
Does mailing the EO still work?

Thanks!

ExGingi · « **Reply #4196 on:** March 04, 2019, 08:59:03 PM »

Quote from: ExGingi on January 14, 2019, 07:24:32 AM

Source?

Mine says it's FICO 8.

No longer. Checked today and they switched to VantageScore 3.0

DealKiller · « **Reply #4197 on:** March 04, 2019, 10:43:31 PM »

Quote from: Zalc on February 24, 2019, 06:22:07 PM

Does Capital One still do GoodWill removal?

Yes but it is not 100%. You do seem like an excellent candidate. Good luck.

chief_mag · « **Reply #4198 on:** April 02, 2019, 12:08:40 AM »

How long does it take for a canceled card to post on your credit score?
I canceled my Amex SPG a year ago and it just hit my Score now. Before canceling I looked at a post which said that it takes 10 years to hit. I guess that's outdated...?

Dan · « **Reply #4199 on:** April 02, 2019, 11:19:02 AM »

Quote from: chief_mag on April 02, 2019, 12:08:40 AM

How long does it take for a canceled card to post on your credit score?
I canceled my Amex SPG a year ago and it just hit my Score now. Before canceling I looked at a post which said that it takes 10 years to hit. I guess that's outdated...?

Did you transfer your credit line before closing?

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Author Topic: credit score (Read 827214 times)