YahComb Tracker

Re: Testing the 1%-9% UTL theory

YahComb — Fri, 17 May 2013 16:04:21 GMT

guiness56 wrote:
I hear this works best for the ones rebuilding. Maybe not the case for those not.

At any rate, you could always try a different % and see what happens. FICO generally doesn't like to all CC with no balance.

generally true, but its very dependent on your profile. For my profile, highest score is attained at zero balance. i lose less points going from less than 1%, to 1%, 2-5%, to 10%, than i do from 0% to less than 1%. I know the guy tracking his score when his balance changes over at "Otherboard" lost points going from les than 1% to no balance.

Re: No back door love from GE...

YahComb — Tue, 14 May 2013 21:54:12 GMT

from my experience, it varies with the card.

I got paypal mastercard and amazons store card same day. at 4 months i was ble to go from 1K-2K on paypayl, amazon wouldn't move uuntil 7 months, 1.4K to 2K.

8th month paypal went 2K-4K. 11th month amazon 2K to 2.5K 12month paypal 4K to 5.5K. I am now at month 15, and amazon is back to denying CLi. dont have the paypal anymore

Re: Credit cards you just can't seem to "crack"

YahComb — Tue, 14 May 2013 20:28:49 GMT

last year it was citi for me. This year got in with instant approval.

This year it looks like it's going to be barclays-I mean okay theyre going to say too many new accounts. But if theyre using 14-15 month old cards as part of that count, then dang, theyre really tryna steer me away lol, recon analysts not looking to help for now either.

Re: At 6 months with Discover, should I ask or expect?

YahComb — Mon, 13 May 2013 23:39:17 GMT

you should ask.

you should not expect.

Re: Idea Utilization for Maximum Score

YahComb — Mon, 13 May 2013 23:36:36 GMT

it can change as your history grows and your bucket changes.

For me, right now, a singlle card, even with a 1% balance, gives me a lower score than zero cards with a balance-about 5-7 points difference. a sub 1% balance is worth about a point more than 1%.

over 5% on a single card would give me even less points(only a couple more points)

Re: Citi, Discover, Barclays

YahComb — Mon, 13 May 2013 23:17:45 GMT

got the denial letters from barclays today. simply "too many new accounts". Scored me at 748 TU. I guess if theyre reaching back 15-18 months to count new accounts, eh :smileysurprised:

also i wont be reconning the citi credit limit, i received it friday and its still a world MC anyways even at 4.5K.

Re: Bofa removing AF

YahComb — Mon, 13 May 2013 23:02:25 GMT

Wonder what it is that makes BOA decide whether or not to Drop the AF or keep it after graduation, they're being a little inconsistent on this lately.

What worked for me was calling the Backdoor Number; i first tried to lose the AF when i went for a cli after a 2-month early graduation-they told me not now, and to call back after the card was a year old. I also asked an online rep-they said there was no way they could do it, it is tied to the original terms and can't change; you can close and apply for a new card.

After a year was up, i waited for the AF to show up, then i called again (i think i used the # on the card). That guy said he didn't have the power to do anything; so i elevated-the guy came back and said the supervisor would let him waive the fee for the year. But my terms meant it would still be charged every 12 months. next day i had 39.00 credit

I waited two more statements, and called the backdoor number. Right off the bat i explained my situation-the BOA was my oldest card, gets used the most, and seems like a good long term card-but i don't forsee hanging on to it for too much longer in the future if i have to keep paying the AF. The guy didn't fuss, just told me he'd put in a request to have the fee supressed. Next morning i went to check my account fee online, it changed from 39.00 to Zero. i requested a mailed copy of my terms just to make sure, sure enough, no reference to the annual fee anymore.

The regular CSR are usually not going to be much help with BOA.

Re: I Want a PRICELINE REWARDS VISA Signature card!

YahComb — Mon, 13 May 2013 20:24:04 GMT

Themanwhocan wrote:
I was approved for $1500, but they wouldn't budge on increasing it.

They kept saying how well I was managing my credit, yet they wouldn't get over the fact that I opened other credit cards this year.

They wanted to see how I used those other cards. Seems pretty nosy to me.

heh at least they gave you something. They were harpin on me cause of every account opened since start of 2012 (2 of those are closed after 14 and 13 months). None in 2013, 1 5 months ago, 3 in last 12.

Re: New account in cr

YahComb — Sun, 12 May 2013 17:17:54 GMT

yep-depending on issuer it may report within days of approval, before the card ever gets in your hands(GE and barclays are known for that) or after the first statement(just about everyone else). Either way, you will likely see an account open date that is prior to you actually getting the card in the mail

Re: Card companies that use Transunion & Experian

YahComb — Sat, 11 May 2013 20:47:50 GMT

for me:

cap1-triple

BOA-Exp

GE-TU

Citi-EQ/EX(score based on equifax)

Discover-TU/EQ(score based on Transunion)

Chase-EQ/EX(score based on equifax)

US Bank-EQ

Barclays-TU

DC Area

Re: BOA CLI success

YahComb — Sat, 11 May 2013 11:20:44 GMT

grats. ive been meaning to call about the APR-i still have my secured APR of 20.24; had my last CLI in cotober(3K to 6K). Don't really need another CLI, but i would like to get to 7.5K-8K, but im not looking to take a HP for that right now.

Re: In which order would you app-spree these cards?

YahComb — Thu, 09 May 2013 18:11:28 GMT

nobody knows exactly what the cutoff is with barclays.

They were hard on me because of every account opened since the beginning of 2012, not just since 1 year ago. 3 accounts in the last 12 months(1 in the last 6), 3 inquiries in the last 12 months on TU(none in the last 6-they only pulled TU on me). No activity in at all in 2013 on anything when i apped(though theres one inq from citi now on my other 2)

Re: Sock Drawer

YahComb — Tue, 07 May 2013 17:05:40 GMT

Honestly, i wouldn't be too shy about closing cards that dont really offer anything and are to never be seriously used again in the instance that they aren't like 10 years older than everything else on your profile, and all your other cards are like under 3-4 years of age.

But if were talking about closing a 10 year old tradeline when i've got a few other accounts in the 7-9 year range, screw it, its gone if doesn't do anything for me.

Re: Convert Capital One Secured to Unsecured?

YahComb — Tue, 07 May 2013 16:57:23 GMT

someone on CB posted about the C1 EO doing a secured-unsecured graduation for them. Coulda been a troll post, coulda been confused. No confirmation from OP that i remember seeing so for now stick with conventional anecdotal experience from...pretty much everyone ever. No graduation. They've been "reviewing" their policy on that for god knows how long.

Re: My fico and Equifax score dropped by 10 points

YahComb — Mon, 06 May 2013 22:50:37 GMT

how long ago is the 771 from?

Re: How to recon "Too many new accs" for Barclays CC?

YahComb — Mon, 06 May 2013 22:16:47 GMT

i'm also going to give it one more shot later this week. THey wanted to know about the accounts since beginning of 2012...even the ones over 12 months(4 of them). the ones under a year(3) were 9 and 5 months old.

Re: Citi, Discover, Barclays

YahComb — Mon, 06 May 2013 16:58:56 GMT

So barclays was concerned about ALL accounts from 2012... 2 are from august(9 months), 1 from december(5 months), all the rest (4)are over a year. There was no activity in 2013 at all besides the same day Citi app(which was on reports they didnt look at).

So my status for the apps changed from pending to "nope." I;m not sure if the first call really counts a recon or not since it was from a non-decision to a decision-i think ill give it 1 more go and then leave em alone for a few more months. NFL was the most important for now because that 20K first use bonus is oldddd(older than the dead 40K/1000 bonus), but the link still works and i dont know if itll be there next time i'm ready to make a run at barclays.

Re: Citi, Discover, Barclays

YahComb — Sun, 05 May 2013 22:56:21 GMT

nicholasyud wrote:
congrat very nice limit.
How long did you had your Discover ?? they should double your limit

Discover open since march 2012. had a hardpull CLI from 1K to 3.5K in October. Kind of my first prime card (the BOA Cash REwards is my oldest, but was secured at that time)

Citi, Discover, Barclays

YahComb — Mon, 06 May 2013 16:48:52 GMT

Yesterday i apped for Citi TY preferred with the 5X bonus gas/grocery/drugstore, instant approved for 4.5K. I Want to get an even 5K but they said ill have to wait for the card to come to try to bump it :/ Unfortunately the difference between 3 and 4 inquiries on my EQ report is worth 16 points(yep even way down here in the 700-730 range)...so if they need to do a new sp/hp that a pretty significant drop from the score when i first apped. Guess ill just wait the 6 months or whatever.

Also, they pulled EQ and EX on me(disclosure score based on EQ)-15 months ago when i apped with 6 months history and 5 inqs within that period and 2 brand new reporting accounts that month, they only pulled EQ

Also apped for barclays NFL $200 first use, Priceline. Showed up as different inquiries on TU yesterday, merged into one when i checked again today. Pending both and i have to wait til monday to call em up :/

Discover got me a SP cli from 3500 to 4000. I wanted 5K but that was all the computerd wanted to do without a HP; so i took it.

So overall pretty decent; could become pretty good or pretty meh depending on barclays

updated below

Re: Garden Club Meeting - May 2013

YahComb — Sun, 05 May 2013 01:02:40 GMT

well, i was weighing my options-I could have waited until the start of june to see how my scores would look with no accounts under 6 months....but i decided to step out right now since the new account ding usually lessens within 3 months, and in 3 months i hit 2 years credit history. Got the TY Preferred 5x gas/grocery/drugstores(12 months) at $4500...they basically went with my average (4.4K without the TYP) Ill see if i can't wring $500 more out of them. Contrast to US Bank, last app 5 months ago; which gave me my cash+ and beat my previous highest limit with 9 inqs in the last year and a sub 700 score.

Also called in and got discover to SP increase me $500; the computer countered my request of 1500. started at 3500, wanted 5K, got 4K. already took a HP to go 1K to 3.5K last october(no sp counter)