My Fico Forums - Video: 5 Things You Didn't Know About the World Economic Forum in Davos.

For those dealing with MCM (aka Encore Capital Group), you already know they are tough to deal with. Today I went in the Credit Karma credit card suggestions and discovered a new rebuilder credit card: the Cerulean Mastercard. Was pre approved in the credit karma portal, wanted to check the limit and rate. Eventually US Bank will send me a cobranded US Bank/SF credit card. I chose to apply for the ED and was approved, albeit for only $1600. Note: The PayPal Working Capital was easiest for me, but then, I only run a few grand through them monthly. 0: 678, EX Fico II: 690, TU Fico Classic 04: 716. In short, 2018 was a bad year and my credit suffered tremendously. Chase has been hammering me with pre-approval emails for the CSP lately, so today I decided to pull the trigger. Reported business revenue $53K, which is on the conservative side. Absolutely! My FICO scores hover around 715, and my Vantage scores are in the 730s range. I decided it might be worth to pair a 2nd TU HP within the calendar month as I recently had the 1st HP hit a few weeks ago for my NFCU More Rewards. Feb 26, 2022 · 02-25-202207:26 PM. A few months ago I settled the SCB for $7. But the good news is that from a FICO scoring perspective, the consumer finance scoring ding is relatively minor. Apr 27, 2023 · Approved - Choice Privileges Select (New WF Offering) Was planning to garden for a bit, but it's hard to resist when a card like this pops up. Over the years, I added the Macy's Amex, Wayfair MC, Shop your way rewards …. Its a great card to have if your Verizon customer. payment history you can receive an increase. Starting Score (08/11/11): TU08: 643. I had a friend that just purchased through and financed through Hyundai Finance a 2017 Elantra, and they told her it was 700 to get approved. I don't know which they use, but Experian was the only file to be pulled based on multiple alerts. My FICO 8 scores from Experian are: EXP: 721 INQ: 2 | EQ: 735 INQ: 0 | TU: …. Take the myFICO Fitness Challenge. You should cool it for 12 months! Your score is going to be under 700, therefore any new cards that you get would have …. AllRegs is the training company owned by Sallie Mae and has since discontinued the …. Debt can be a harsher prison than an actual barbed wire prison in some ways. AVANT unsecured: $300limit and $69/yearly fees. Never used the initial card, ever. -Credit scores were 734 TU / 735 EQ. keeper everyday cards/ amex charles schwab platinum npsl/ amex gold npsl / amex green npsl/ amex everyday preferred $30,000 cl/ amex blue business plus $5000 sl/ amex blue cash everyday $6000 / fidelity rewards visa $23,500 sl/ nfcu flagship $38,000 cl/ nfcu more rewards $33,000 /. Careful with ally credit cards! They suck Just a warning about ally bank. A temporary delay in the inevitable I'm sure. Topics include credit reports, identity fraud and more. This is the place to discuss reestablishing a good credit history, the effects of filing. Take the myFICO Fitness Challenge 2024! by Kenny on ‎01-01-2024 06:30 AM Latest post on ‎04-19-2024 03:58 AM by Anthony101990Jones. I would imagine you would be allowed back, especially considering you were never late with them and you paid them back in full. Personally, I would look into prequalifying for cards before you apply to avoid the hard pull. Focus on getting your existing open accounts current and paid on time before addressing older / unpaid debt. I categorically refuse to do AZEO! Message 2 of 6. Mar 23, 2022 · Also, as mentioned upthread, yes, we'll need a complete breakdown of all accounts on your reports, both good and bad, before we can help you build a plan. The last update from them was Dec. Both limits at 500 but paid perfectly. Penthouse Letters Magazine can be read for free on websites such as Magzus and Magstack. The other day, I received notice in an official letter that Synchrony was decreasing my $4,000+ credit limit to only a few dollars above my balance. Citi offered balance transfer and temporary card number with a portion of the credit limit available immediately at the end of the. Experian encourages people to add their rent payments to its reporting. Scores: March 21 FICO 8: EX 810, TU 808, EQ 813. " (not the Flex Loan that uses the credit card balance) Any DPs or advice, is this a preapproval, any success, SP/HP, etc. If you are a fan of collecting or trading virtual items, you may have come across the term “MM2 values” in various online forums or platforms. Probably yet another split file. 12/12/21 Truist 1st CLI attempt, request not processed, CSR cited tech difficulties. Located in Southern California and lending in all 50 states. Here's my history so far with my Sam's Card issued by Synchrony: 7/11/22 Opened card with $8000 limit. Jan 2020 last loan for schooling taken out. { BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800. I got two Chase prequalified letters in the mail today for Freedom Unlimited and for Sapphire Reserve. If Wells Fargo recognizes the vendor, the balance transfer will be electronic and post in a few days. My experience supports your belief that the starting limits are on the low side. KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $38,000 CL/ NFCU MORE. I just ignore itI'm focused on profile-strengthening rather than gaining FICO points. FICO 780, inquiry 8/24, Already have 3 …. “length of time accounts have been established” -- You have a short average account age. That being said, a select few clean, thin file posters have been able get down to the 600 -620 level by maxing out revolving utilization. Installment is a balance of $300, against beginning balance of $450. Credit scores follow the same pattern. gas station or convenience store near me Found out today chase closed my accounts (CSR & CF) due to a "returned payment" & "rapid increased balances". We have seen it be spot on, and very very wrong, …. 0% APR so thinking about off-loading that debt onto Citi card if I get approved. This thread is focused on capturing what we know about FICO Score 8 in one thread. Playing the credit card rewards game since early May 2020. paralegal jobs remote I already have a Platinum, Gold & BBP card. Since it was a soft pull and I don't have the revolving debt anymore, looking to refinance it with LightStream. Jan 30, 2024 · 01-30-2024 07:51 AM. The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and everything in between. dayton hub conversion Starting off the new year with a bang, having not applied for a card in years, but we do go to Universal Studios. After doing my taxes last week, I realized that having my sole prop biz expenses in separate accounts is really th. @Dp23 wrote: Good afternoon everyone, those of you in here with the Mercury card when did you get your first credit line increase?. To that end, the ma KIEL, GERMANY / ACCESSWIRE / F. And 3 separate TL's from Portfolio recovery associates. Your deposit is your credit limit and they report to all 3 bureaus. The things that I did while paying my CH13 was to get the trustee's permission to get a car loan and to use a rent to own company to get furniture for my house (the things I got were a modest couch, bed, etc). This seems to come up a lot so I thought I'd compile a list. I can tell you the mortgage scores here on myFICO are the same exact as what we pull though, assuming both are checked on the same day. In this blog series, our credit scoring expert, Tom Quinn, answers common credit score and credit-related questions that you have. This is the place to share mortgage and home equity loan information. Receive one automatic Global Entry statement credit ($100) or one automatic TSA PreCheck® statement credit ($85) every five years. When it comes back validated, you'll have a nice, fresh CO smash into your credit scores. Then i have smaller lines like IHG ($2k); Discover ($2. I do not believe you can apply directly for an Elan Financial version of the card, though someone will hopefully correct me if I am wrong. It's suppose to be a way to help people build there credit and add a installment loan to there credit mix if they don't already have one. So far, 2 of my 7 accounts have been deleted from my reports. I was able to get back into Citi 2 years after my chapter 7 discharge with a Best Buy store card. My situation is I currently have about a $14,000. Scan to check your FICO ® Score and credit data while on the go. Jan 20, 2021 · I was approved for the Platinum Rewards Card, yay me!!! Eq - Fico Score 9- 686. Personal loans from a bank or credit union will not be scored as a consumer finance account. TU will list "estimated date of removal". Open Credit Cards: Capital One - $3,300 limit - utilization has been high in the $2800-3100 range. Theres some that were always SP. Jul 28, 2020 · The Fidelity card is issued through Elan and while they don't follow exactly in Big Brother's footsteps Elan also has a history of being sensitive to inquiries and new accounts. I am wanting to buy into a manufactured home community in Florida but they require a credit score of 700. I applied and was approved for an Amex BCP SL $2k on 1/11/22, first ever AMEX card. Pentagon federal credit union in what every one refers to. johnston county mug shots New here just joined, but have been reading great info here for years. Once you get this high, you have excellent scores regardless. Paid off a LC personal that was at 11% and lowered my note 150 a month. financial institutions use FICO Scores to make consumer credit decisions. My main reason for considering it - 6587655. Navy fed pulled trans union for me and citi pulled Equifax my scores at the time were 635 TransUnion and 670 Equifax via credit karma. I was just recently approved on Saturday for a loan throught Upstart for $30k at a high APR of course. xara spell caster Current Score: 503 507 507 2/19. keeper everyday cards/ amex charles schwab platinum npsl/ amex gold npsl / amex green npsl/ amex everyday preferred $30,000 cl/ amex blue business plus $5000 sl/ amex blue cash everyday $6000 / fidelity rewards visa $23,500 sl/ nfcu flagship $40,000 cl/ nfcu more rewards $33,000/wells fargo autograph $8200 cl /. They issue and service credit cards for smaller community banks and credit unions who don't have they resources or economies of scale to provide those services. The Wayfair credit card (store version or MC) is issued by Citi Retail. This is an attempt to help folks rebuild their credit so that you are NOT denied for "Too Many Inquiries". EX FICO 755, 15 INQ total, probably half that in the past year. Spoke with a rep and a few hours later received the "Congratulations" approval email. Either the original creditor or the collection agency may report the account in collections to a credit bureau. After the inquiry, I was offered a new rate of 10. Dec 20, 2023 · Surge card unsecured: $500limit and $99/yearly fees. Re: Wells Fargo Active Cash/Reflect. Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea. Overall % Utilization at time of application was 10%. The last couple years the order on the app has been irrelevant. If you want a credit card with some CL, it may not be a great choice as SL are often somewhat low compared to some other choices. Re: Keybank Cashback Credit Card, $10K approval! Congratulations on your key bank credit card approval!! I started my journey of rebuilding my credit with a $300 Keybank secured credit card about three years ago. They run Transunion and are a conservative lender who usually requires a …. Of course, it will take some time and it depends on where you start. You can accumulate rewards as long as you keep the card or service, but you pay your Cellphone bill every month and reward can be credited toward that monthly. nRewardsvisa secured balance = $500. I did the pre-qual page and both the Discover It and Discover Gas & Restaurants came up. these letters dont need a template you just explain. Fairbank, I have been a Capital One Auto Finance and Capital One Mastercard customer since (date) and during that time, I have enjoyed my experience greatly. Cap one $715, Cap one $607 and Citibank $1207. “especially for those rebuilding or trying to save hard-pulls for Chase cards or whatever the case may be. Initially, I got one because our business spends quite a bit on Walmart. steve madden agata platform heels Current have $27,500 in tradelines with Synchrony ($20k Verizon Visa, $7. The answer to most of your questions is, "It depends on the lender. If they don't trust you yet, they will need about 5 business days hold to nearly completely eliminate the risk that the ACH will bounce. Citi Premier is a good card if you're looking for travel rewards. Click on the arrow and link that says “Get Free Guide. All of our credit apps were that way for a few years. For context, the highest CL I had received up to that point when I applied in 10/2021 was $2,000. Last day of 60,000 Bonus points on $4,000 Spend, I will also be using the $100 Seat Upgrade credit so in net $600 Bonus value. Go for the card that you want and hopefully you'd find the most useful. Mercury has certainly been conservative in extending CLI's. Self aka Self Lender just refers me back to them. I would have accepted if they gave me at least $10,000. And I had a 90-day late that was a little over a year old. In the process of doing that recently, I noticed a few things. My Fico 8's are now at 635 - up from low 500's about 18 months ago. MyEquifax - Reports show no data. Good evening Fico Fam! So as the title states, " Amex Gold card. We have never had a claim and her rate was 80% of what I was quoted. When I first applied back on May 21st, it told me that I only qualified for a secured card. Also keep in mind that as your score increases, the % impact of a 10 point hit drops, losing 10pts from a score of 809 is a 1. Have been applying for Apple Card for about a year straight, denial reasons were for bankruptcy and recently past due. This concerns Balance Transfers. If the credit union is reporting the charge off as settled. Hello all, I have been fishing on my fico for years now. This has worked for a few members. the case of the missing cell phone answer key I don't know if it's an automatic max limit or approved as each time it's used, so take time to read up on it. @Anonymous wrote: Just checked my Fico score today through Citi online banking and found out that my score dropped 40 points, from 780 to 740, sometime between late April to late May. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO® Forums. Got a divorce and ex-husband didn't pay the house mortgage for a year (he was living in the house). Had SI, over $150,000 and other income $40,000. Capital One Savor One Approval $8k SL. @tooleman694 wrote: This is now the fun part. The last tax bill gave a home value of $180K (although, according to a local realtor, we could easily get twice that!), and we applied for $110K, for 30 years. I have a Capital one chargeoff, that has been been paid off and has stopped reporting since 07/2020. Currently rebuilding as of 04/11/2019. Credit Scores: (FICO 8) 846 Experian March 2024, 844 TransUnion March 2024 | (FICO 9) 850 Equifax March 2024. I have an open installment loan for $1,500 (5 months old), on time payments. In the final stages of pre-closing and closing you will be assigned a loan processor, who will work. 625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014) Goal Score: 700 Seedling again as of 07/29/14. Current FICO 8: TU: 814 EX: 774 EQ: 806. 24% but I won't use the card aggressively. Experian will provide all of your Experian FICO scores except for FICO 9. Starting Scores (01/23): TU-522 EX-535 EQ-508. 2020/2021 was a rough year for me because my fiancé lost her job and I was paying for everything myself on a salary of $18/hr. Going all-in-one with M1 helps make the big picture clear. Easiest way to find out when accounts are due to age off is to pull all 3 of your credit reports from annual credit report for free (no scores). Hi all, I've been lurking for a while but wanted to share an Amex BCP and data points. If you're new to the myFICO Fitness Challenge, then welcome! To begin, set up your official MyFICO signature on your Profile page (Go to My Settings Personal Profile Personal Information). Learn more about what's in my FICO Scores. Toyota prefers to pull Equifax first. I'm currently using the $5 one month trial of myFICO. Re: How old / when did MyFico forum begin? Actually, the Forums were launched on March 4th. But when you have a score less than 620, the fee to cover the rate starts to increase. I don't have a record of it, but I believe my FICO 8 scores were hovering at just under 700. Oct 13, 2021 · Starting Score: 612. I thought that it was maybe too soon but not according to this letter. One of the primary factors influencin. For example myFICO members add their CCs to their signature, really cool. My scores are in the 655-675 range. Trying to compile a list of net 30-55 accounts and who they report to. From what I've read, I like it. Upstart looks at more than just FICO score because I did the pre-qual and was pre-approved for $1,800. The only restriction is, it has to be a single deposit of at least $100, and not like four $25 ones. Nov 12, 2023 · Re: Amex Financial Review. This date came and went and it's still showing "IN REVIEW" on Credit Karma. I applied for an auto refinance with Consumers Credit union and was able to drop my rate from 7. FICO utilization is based on your reported balances. In 2017 I had 2 of my AMEX cards get canceled. However, enough time has passed now that these have fallen off of my report and my FICO scores have improved. Will CLI when the card arrives for …. A collection agency might agree to a PFD which would delete the collection from your reports. I do still find value in my Amex Platinum, but would be just as happy if they took away many of the credits and charged $400. Will CLI when the card arrives for activation. I hope that going forward, people will be more thoughtful and understanding before they post. No telling without more info on your file. The nice lady told me that they are a non - 5287781. Just made a payment today on my chase sapphire and Amex so my utilization is now at 30% for each card. MasterCard Black?!?!? So I got an invitation in the mail for THE Black Card. Nov 4, 2014 · This Personal Finance board is your place to discuss personal finance topics that don't fit in the other boards. These 2 credit cards alone are double my previous combined credit limits. Wait six months and have an Equifax score of at least 650 (They are Comenity backed, and Comenity loves Equifax pulls for new accounts) 2. Having significant assets ($500k++) in Fidelity is not a mitigating factor, except maybe if you're a client of their wealth management advisory program ($10 million+ in. It’s also about the passionate fans who support their favorite teams and engage in discussio. The myfico scores are your live scores or better worded, what most lenders pull. The FICO score ranges from 300 to 850. DPs: EX 819 at time of application with 6 Inquiries. Get a secured credit card if u need another credit card. Revisiting my research, I'm sensing that a lot has changed, and a lot of the resources available even now are out of date. Watch out video to get the inside scoop on all the things you didn. We would like to show you a description here but the site won’t allow us. Believe it or not, some of us lenders did not change our minimum credit score requirements for FHA, VA, or USDA. " I'm wondering if some of Court Venture's technology got integrated into the Experian back-end and certain events …. psu financial aid office It's better to get declined then having a large credit balance. The only difference, number of pulls. Rather, it is better for certain uses, while Gold is better for other uses. I'm at a loss on this one but will do some more research on this, as I've had no negative history with any bank/credit union since 2003 (If BK on credit cards count). and even more shocked about the starting limit. Thanks guys, I was able to see the soft pulls. Hi All, I'm brand new to the forum and have searched for the answer to my question. 0% APR for another 7 months except Discover expires in March 2020, the Capital One Card I rarely use. This is the Rewards card which seems to get very little air time here. I opened a savings and checking account with them in 2018 and just left it there. However my Equifax fico stayed the same. ao3 mirror site Yes they have become inquiry sensitive. All you need to do is submit a request for the funds you require. Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | …. When you poke the EQ bear, it occasionally pokes back! Back to gardening until Late February 2025. I'm through the moon happy, even though the limit isn't huge, I finally can build my relationship with them. And the myFICO community forum is an excellent place to get insight from others to understand credit scoring and advice on handling certain situations. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685. 98% on time payment history with 4 inquiries (home lender). 9% - you may look into AZEO as well since you're looking to go for a mortgage “proportion of loan …. I am disappointed with the low starting limit, however my BCE had a SL of only $1K and has grown to $27K. When it stopped reporting, my score significantly dropped. Sofi Mastercard approved $25,000 SL. Delinquent past or present credit obligations with others. My plan was to ask for one more CLI, and sock drawer the AppleCard after that. Homeowner's insurance was equally as disturbing. The NLYF is designed to inspire and empower y. Also, as mentioned upthread, yes, we'll need a complete breakdown of all accounts on your reports, both good and bad, before we can help you build a plan. Re: Amex - My Credit Guide - Goal Score. Paid off car loan with a 90 day late that's 6 years old and a 60 day late that's 4 years old. After the 3rd call I said hey something is up I have the credit available but my card. VA & FHA down to 550 Licensed Senior Mortgage Loan Officer in the states of Arizona & California. My concern is I have no idea what accounts they supposedly have. I started off with three Secured cards; a TD Bank Secured and two US Bank Secured. Re: Chapter 13 - my story start to finish. We inquired with Alliant CU, Georgia United CU, PenFed, BofA. During that time I've managed to raise my credit score by around 250 points or so. EX will list "on record until". Latest Topic - How to most quickly get middle mortgage score (fico 04 …. They will pass info to their recon department. The lender may charge a late fee, increase your interest rate or even eliminate or restrict your ability to use your account. $100 Deposit into Checking to kick on PR boosts, …. $200 SUB for $1k spend within 90 days. My balance on my last statement for the 0% balance was $1173. Time is the only thing that will fix it. The card is extraordinary in its coverage of 3% for health and wellness; (from Forbes) 'According to Synchrony the following areas qualify as a healthcare or wellness expense: Vet, Ambulance Services, Medical, Dental, Ophthalmic and Hospital Equipment and Supplies, Drugs, Drug Proprietaries, and Druggist Sundries, Sports Apparel. Honestly, I'm about ready to just close them all, but waiting to see what they do. I finally got approved for the Flagship! I've been previously denied twice, but third time is a charm! $25,000 SL🤯 By far my biggest SL! - 6711091. In addition to FICO score updates, …. Apparently submitting a dispute to one CB results in the lender verifying their information then sending updates to all CB's. Fico8 = EQ 779, TU 802, EX 771 …. This is your place to do just that. Hi, I am currently 6 points from the 640 credit score to be approved for an FHA mortgage. I did neither and left the screen as is while I immediatley called the underwriting reconsideration line. Sep 4, 2012 · The GW success stories covered credit cards, installment loans, mortgages, student loans, and collection agencies. Some internet lender loans are scored as CFA's; if you go for that type of loan you should check here first to see if it will be a CFA or not. 9% and take out $10k cash I will use to pay down other higher interest debt while still lowering my payment by about $60/month by stretching out the term to 60 months (had about 3 years …. Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus. Discover website said I was pre-approved for their Discover Balance Transfer card so I applied and was approved!! CL $3,000. My BK was DC 12/2018 - 6469103. Mercury doesn't list CLI's as an option online and won't accept one via request. My collections are: LVNV FUNDING , OC: Credit one for $594. -Existing relationship with chase, checking & 3 CC. First step is to get a copy of the discharge papers and dispute with the CRAs to get the BK to show discharged. This is my primary card - it's constantly maxed out but. My wife and I were recently approved for AmEx personal loans of $25K each at 7%. I have a Venmo Credit Card, which Synchrony Bank services. History 3 years 3 months, 19 revolving accounts, 17% utilization. I was wondering if anyone can recommend any cards that mostly check Experian. Last year I fixed my credit and got to the mid 700s. This really doesn't make any sense because I payed off my credits cards and have a low utilization of 4%. Original Equifax Fico was about or near 790/FICO 8,crap load of inquires and new accounts. $23,000 car loan, 14 months - Perfect history. My Max Cash Preferred does not read as such anywhere on the card, but it still functions as it should which is all that concerns me. Just curious what kind of score is needed to get the best insurance - 6714225. paycom kiosk app Seriously out of date, at least 10 more since then. 1/25/2021: FICO 850 EQ 848 TU 847 EX. My Discover is scheduled to Graduate on or after October 16th. 3x the limit is the max - they'll counter if necessary, outright deny if they're not comfortable with any increase. My debt is a fraction of that, and any CC - 6400350. To receive a Lowe’s credit card, applicants must have an up-to-date and clean credit record with few or no recent negative marks on their report, according to Finance Globe. When I recently apped for the Freedom, about 6 days ago, I was approved for less than my two other cards at $7,600. Sheffield Financial pulled my TransUnion credit report which presently reflects a FICO score of 725. uptown dallas death I received Discover denials for almost one year and I was only charging $15 to $20 here and there but on March 31, 2022 I actually charged the x-rays and scans for my major dental surgery. It shows my EX and EQ Risk rate at 5% and TU at 2%. I didn't get a prompt to press pound key. I applied for the card in 2018 and was approved for $35K. Then they pre-approved me for a Platinum Visa with $800 limit, currently $1,400 and $39 annual fee.