All Topics

Hi thanks for looking. I noticed something odd about two pieces of information I recently received, and wanted to see what experienced people here make of it.   On June 22nd, in an adverse action letter for a failed pre-approval with Capital One, it stated my score with Experian - as of June 22nd - was 735. Earlier this month, in a letter that came with a new Amex card, it stated my score with Experian - as of June 29th - was 768.   The only explanation I can think of is that sometime after the 22nd, a new cycle or period of time started at Experian, and my score jumped for some reason.   Recent events:   Jan 28th - approved for Capital One Quicksilver, CL $2k Jan 31st - HSBC Mastercard CLI $7k to $9k Feb 1st - Amex CLI $8k to $11k Apr 4th - Amex CLI $11k to $22k  Jun 20th - instant rejection on application for Citi Strata Premier (stupidly didn't notice that some of their cards lacked the pre-approval button/made full application without realising)

As somebody without an SSN, it is difficult to monitor my progress and FICO scores and I can't do it as well as the average person. The main difficulty is that without an SSN, all the main credit monitoring options that most people have aren't open to me. For example, Capital One lets its customers use CreditWise, and American Express customers have MyCredit Guide. I'm a customer of both, but I can't use either one of them. I've tried several times, and always get the same thing: no SSN = doesn't work.   I've managed to piece together a bit of a picture of how things have been going over the last year or so, when I first noticed my Equifax score on a credit card statement. I keep a little log of when I get these snapshots. A few days ago, for the first time, I got a Transunion snapshot. It is lagging behind Experian and Equifax.   My most recent snapshots for each of the three are:   Transunion - 711 - 07/31 Experian - 768 - 06/29  Equifax - 751 - 01/28   I got that Transunion score in an adverse action letter, in a failed pre-approval for the Venture X. It said "Here are the reasons why we couldn't match you with an offer: • Based on your credit report from one or more of the agencies on the back of this letter, length of history at reporting agency is too short"    So it seems like Transunion is what could stump me in applications over the next couple of years...Could anybody recommend a guide on what bureaus are used by the major financial institutions please?

I decided to go with the CSP since AppleOne is not eligible for the CSR credit, in addition to the 3x on online groceries, restaurants, and streaming services.  Approved online instantly for 20k.   Few datapoints: A chase banking customer FICO Bankcard scores 793-794 Experian hp

Had one card with them for over four years. Started on $8k I think, and now it's $22k. Just been approved for another one, with a starting limit of $10k. I'm quite happy with it, because I've read often on here that people regularly only get $1k starting limit on new extra cards with them, even though they have high limits on their existing cards.

I just had my 341 meeting last week and today I pulled my CR to see what (if anything) had changed. It shows my student loans as closed with a zero balance. I went to the student loan website and it shows included in bankruptcy but has a balance still. Does anyone know which one is correct? Fingers crossed that they are closed. 

Most, if not all the major issuers change which bureau they pull based off which state you live in, why is this?   wouldn't it be more simple and cheaper to always pull the same bureau?   plus the fact I just don't see why your state of residence matters at all. 

Hi everyone!  Wanted to get the community's thoughts on Apple Card for those who had included Chase in BK.   I'm assuming Chase will have to clean up the sub-prime and delinquent accounts once the acquisition goes through.  What does this mean for someone well into their rebuild?  EX: I have a pre-approval for the Apple Card, not path to Apple Card. Say I complete the app and get approved. 700+ across 3 bureaus, 5 yrs post dc.   1. What is the likelihood they close the account upon transferring to Chase? I believe citi did this some time back I read somewhere on these forums.   2. What is the likelihood the card gets bucketed?   3. Is this a valid move or is it better to just wait until the bk falls off and eventually apply for the chase ecosystem?

Hopefully this is in the correct location. I've been rebuilding and closely watching my credit while paying everything off. Every month my MyFICO payment history shows "Time since most recent late payment 1 month" I have not missed a single payment in quite some time. I've looked at every account and they all are current and no lates. Is this just an error or am I missing something? I have older charge offs that are paid and $0. I have 2 closed cards with a balance that I pay every month and show "current pays as agreed" so I'm not sure where this late payment is coming from...

So far I've only gotten the letter for my Cash Rewards but I see someone else already got it on their Platinum so I guess I'll be getting another letter.     This isn't really unexpected because of the way the economy is going but it does suck since cheap cash advances was one of the best perks of my Platinum card.   They also say they're revising the "Your Credit Limit and the Maximum Amount You Owe Navy Federal" section to clarify when credit limit changes can occur so they're likely about to start slashing some limits.   EDIT: Yup, they have this line in that section now.   "A variety of factors, such as delinquency, low activity, or credit utilization may impact our decision to make a change."   I guess we can all say goodbye to our huge limits we never use. Good thing I don't need the padding anyway.

Hi   For the last 18 months we have been car insured with Farmers. Prior to that Liberty Mutual for 30 years which went up way too high. Anyway to round the numbers to make it easy 18 months ago Statefarm charged us $750 (6 months) for our cars, 6 months later it went to $950 and now before we renew it's going to be $1100. So I shopped around the usual suspects, I eliminated everyone but Progressive. They are quoting me $450 for 6 months. So I checked what they are giving me for that money and what statefarm gives me and they are very close to each others. So I had my wife look at our current policy and progressive numbers and she said like me, about the same. Are they both for 6 months? Yes they are, I must have checked 10 times (No lies) and then my wife checked. Same cars, nothing changed. We also went back to our credit card statement to make even more sure and yes we were charged $750 in September and $950 in April by statefarm. How can this be? $450 vs $1100? So $900/Year progressive and $2200 Statefarm.   Thanks a lot

Hey all, so my situation is similar to many others I assume :) Discharged bankruptcy chapter 7 in July. Now I'd like to begin targeting a house.   Here's a snapshot of my credit today:     I am a previous homeowner. The last home was sold in 2024 before I filed in 2025, so it had nothing to do with the bankruptcy.   Currently I have 2 open tradelines, American Express BCP and Gold card, and my reaffirmed car loan. My car has about $14k left and my Amex cards have had their limits chopped down to $1000 and $1300 PSL.   I'm engaged and we're hoping to be married this year. Her credit score is 723. We're both currently renting an apartment ($1100/mo). We're both working, I'm pulling $60k/yr and when she gets off of her injury will be making about $26k.   What should we do (or not do) to get into a house in say, 1-2 years (if that's even possible?)   Thanks for the thoughts and vibes. We're looking forward to a home :)

Rather than make two separate posts, I thought I'd combine these two offers I noticed in my email. I figured I'd give people a heads up in case they got similar ones.    The first is with Chase for Amazon CC. You get $5 statement credit simply for activating the promotion. Then 5% CB at grocery stores, gas stations, and restaurants up until $1k spend for Q3. I can't recall ever getting a statement credit just for activating a promotion, but hey I'll take $5 for a click.   Subject line: "Activate to get a $5 statement credit and start earning 5% back on select purchases"     The second offer is from US Bank on my Cash+, where if you hit a certain transaction threshold count on purchases of $10 or more until the end of Q3, you get the specified amount back as a statement credit. I can't recall ever getting an offer like this from US Bank before.    Subject line: "<NAME>, earn up to $100 just for using your card"  

I received an email from Navy Federal advising effective 10/1/2025 the APR on my Platinum will increase from 10.2 % to 18%. The email also mentions my Credit Limit will decrease. My credit limit is 24,000.  I have no idea why. I have no lates or issues with the account. I just paid the account off a few months ago. I was going to use this account for a large purchase I will be making. NOTE I said was. This card will go in the  sock drawer. The email did say this is due to the economy.  I have had no issues with any other accounts. No lates. I normally pay my cards off before the statement cuts. My utilization is at 1% .  I received the email this morning. Right now I'm happy with my credit and finances so I'm not going to worry about it. Just thought I would share this.   

So I am currently wondering if I should get the WF version of the BILT Mastercard or if I should wait for BILT to roll out BILT 2.0 before applying. Say if I do apply for the WF BILT Mastercard, what would happen to it? Would it get product changed to like an WF Active Cash or something? And is it confirmed who the new issuer of the BILT Mastercard is? I thought Cardless was just the platform in which it is being launched by not the issueing bank. But what do you guys think? Get it now or wait until BILT 2.0 comes out? 

After a CLI was approved on my WF Autograph, I decided to try for one on my Barclays View.   I asked for an increase of $2.5K (to bring the CL to $10K). It went to a message saying that it could take 10 business days for it to be approved.   I got an email an hour later saying that my credit line increase was completed.   Someone at Barclays gave me a $5K increase so the CL is now sitting at $12.5K.   Good thing I didn't close the card after it got nerfed (it used to be the Uber card). I barely use it besides charging a small purchase here and there to keep it open.   This credit line has been open for almost 7 years.