psychic Tracker

Re: Bye, y’all! (v.2)

psychic — Wed, 02 May 2012 05:43:08 GMT

It's depressing to see you go!

Write to me. I'd love to hear from you. I'm hoping you still have my email address!

Re: Chase Freedom and Amazon purchases this quarter

psychic — Thu, 19 Jan 2012 23:24:05 GMT

wollepopolle wrote:
In order to earn the 5%, do you have to buy from Amazon directly or is it ok if you purchase from a merchant through amazon's site? Has anyone already had some experience with this? Curious about what you have to say.

I found this on the Chase website:

https://creditcards.chase.com/freedom/merchants.aspx

Re: Sam's Club doesn't accept Visa credit cards

psychic — Mon, 16 Jan 2012 05:59:49 GMT

Sam's Club does accept Visa credit cards for online purchases, made at SamsClub.com.

Re: What are the highest FICO scores ever reported on this forum?

psychic — Fri, 13 Jan 2012 18:09:09 GMT

jello77:

It's great to see someone who shares a similar FICO profile. For a couple of years, I had an 839 Experian score. Then, for no apparent reason, my score dropped to 831. When my oldest account's age increased from 29 to 30 years, my score soared to 842. I discussed this occurrence here:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Expanded-quot-FICO-High-Achievers-quot-scores-of-760-and-above/m-p/418180#M32114

My scores are always at their highest when my reports show a very small balance (1% utilization) on just one credit card account.

Good luck!!!!

Re: What are the highest FICO scores ever reported on this forum?

psychic — Fri, 13 Jan 2012 16:09:35 GMT

Hi jello77!

I just read John Ulzheimer's piece. I'm really not very familiar with him, or any of his published articles, so I can't speculate on the source from which he derived his information.

I retrieved data from my January 2009 credit reports (both FICO and annualcreditreport.com). Here's my Experian credit summary:

FICO Score: 842 (January 17, 2009)

Total Accounts: 24

___8 open credit cards

___16 closed credit cards

___0 mortgage

___0 installment accounts

Oldest account: 30 years, 2 months

Average age of accounts: 15 years

Total late payments: 0

Total credit line of open accounts: $138,350

Total current balance: $7

Utilization: 1%

Accounts with current balance: $7 on a card with a $21,400 credit limit.

Accounts opened in the past year: 0

Inquiries in the past year: 0

Collections: 0

Public records: 0

EDIT: Corrected spelling error.

Re: What are the highest FICO scores ever reported on this forum?

psychic — Fri, 13 Jan 2012 12:58:47 GMT

Hi jello77!

Actually, member bulbisaur reported an 844 Experian score in a February 2009 post:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Our-Forums-FICO-High-Achievers-Who-has-at-least-one-FICO-Score/m-p/434916#M33212

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Fri, 04 Nov 2011 05:16:01 GMT

Congratulations, avv7c0!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Tue, 28 Jun 2011 05:27:37 GMT

ncscgirl2005 wrote:
Finally up to 805!! :smileyhappy:

Good for you, ncscgirl2005! Congratulations!

Re: Expanded "FICO High Achievers" (scores of 760 and above) characteristics list

psychic — Sat, 12 Feb 2011 18:35:04 GMT

psychic wrote:
Being a "FICO High Achiever" can also be very monotonous!

Some things never change:

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Fri, 11 Feb 2011 17:02:12 GMT

ficonightmare wrote:
Grats to all!!

I'm finally in the club as well!

Look at those scores. WOW!!!

You might want to consider changing your screen name now, ficonightmare!

Congratulations!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Thu, 10 Feb 2011 07:00:17 GMT

JaseT wrote:
Pulled new scores this week :)

WOW! That's quite an accomplishment, JaseT!

Congratulations on becoming a FICO High Achiever!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Thu, 10 Feb 2011 06:57:44 GMT

BaddebtKing wrote:
Last collections were deleted from EQ today!! Score jumped up to 764!

I'll be danged, the air DOES smell better here! :smileyvery-happy:

Those are great scores BaddebtKing!

Congratulations on your EQ score increase (and your TU score isn't anything to complain about, either) !

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Wed, 05 Jan 2011 07:03:40 GMT

ChemGuy wrote:
Your Latest FICO® Scores
TransUnion
738
Date: 12/20/2010
Buy Today's Score Equifax
773
Date: 1/3/2011
Buy Today's Score
Made it into the club (EQ). Is it me, or does the air really smell fresher up hear???

It's wonderful to see that you made it into "the club." 773 is a great EQ score!

Congratulations!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Wed, 05 Jan 2011 06:59:22 GMT

jheckathorn wrote:
I just had my FICO scores pulled yesterday by a mortgage lender. Drumroll please...

Equifax: 801
Experian: 785
TU: 808

My EX score was over 800 a few months ago when I last checked, so I guess it's time to do a little digging and figure out why I dropped out of the 800 club this time.

Those are terrific scores, jheckathorn! Congratulations!

Re: Chase Freedom lists 5% cash back categories for 2011

psychic — Fri, 17 Dec 2010 17:38:30 GMT

haulingthescoreup wrote:

I went back through some statements, and duh me, they've been crediting the points all along. :D I should know better than to listen to a CSR...

When Chase first changed my 2 Freedom accounts to the Ultimate Rewards program, they credited bonus points after the program period ended. They just began awarding bonus points earlier. In fact, I emailed Chase a couple of months ago, to confirm my enrollment in this promotional period. The Chase rep wrote: "The bonus rewards will post to the account six to eight weeks after the end of the offer on December 31, 2010."

Re: Chase Freedom lists 5% cash back categories for 2011

psychic — Fri, 17 Dec 2010 04:18:39 GMT

haulingthescoreup wrote:

FYI, for those considering applying. If you choose points instead of cash back, it's 5 points, if I read the fine print correctly:

It's a little unsettling, because the categories for where the card was used that show on the Chase monthly statement don't match these categories, and the cash back doesn't appear until a month or so into the next quarter, so you just have to keep hoping that everything is being credited correctly. The Chase CSR I spoke to a couple of months ago said that they were getting a lot of requests for the ability to track the awards, and they're "considering it."

For the past 2 Freedom quarterly promotions, I've been receiving some of my rewards before the promotional period ends. On my December Chase statement, I received bonus points for purchases made from October-November:

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Sat, 13 Nov 2010 19:20:47 GMT

Good for you, BaddebtKing! Congratulations!

Re: Citi BT offer typo?

psychic — Wed, 10 Nov 2010 06:46:34 GMT

krystofur wrote:
I just received a BT offer from Citi, 0% until Jan 2012! Of course there is the 3% BT fee, but even a few years ago when things were good with BT offers I was only seeing 12-18 month offers. Anyone else get this offer?

I also received the same offer, krystofur!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Tue, 05 Oct 2010 05:56:02 GMT

Welcome to the Forums, TLinFargo! We're so happy you could join us!

Congratulations on your great EQ score!

Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic — Sun, 03 Oct 2010 07:54:41 GMT

That's terrific, jaysdad2k!

Congratulations! You're now a FICO High Achiever.