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since
03-18-2007
09-15-2017
MM1234
Regular Contributor
165
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10-05-2007
08:30 AM
Since FICOs are the ones that matter you can do ScoreWatch for $8.95 per month. I use this and like it. A few times its missed sending "alerts" but thats rare. This gives you notice of your EQ Score only. Then you may want to buy all 3 scores quarterly to see how your doing. I was using TrueCredit for the last 6-7 months and it was nice if you wanted to check all 3 of your Reports for Balances and FAKO scores daily if you wanted to. But I canceled it cause they varied a lot from my FICOs. So - If you need to monitor your scores daily (which is not really needed since they only change ones a month in most cases) you can use TC. If not use SW and get your real FICOs every 3 months. Stay away from certain ones. Im sure others can offer names. I heard that service from "FreeCreditReport.com" was a bad one. I used Experians Service once and it said my score was High 900s........900? So they use that Vantage which is worthless.
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09-24-2007
12:05 PM
Zen - I just posted another Topic how I got dinged 22 points after having zero debt and trying to add a small amount to keep my UTIL at 1%. It backfired but will recover now that I found the culprit. Financial Advisors promotes Debt Free but really I would want to keep my score good just in case so keeping some small balances on 2-3 cards may be fine. You can keep your other cards but once your paid off you can apply for some Prime Cards. Good deal!
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09-24-2007
11:29 AM
MidnightVoice - Thanks for sharing. Im glad that someone else can confirm this happened to them too. Sorry for your drop too of course. Its wild to see that much of a drop for a small amount. Yeah, ....even with no balances my scores would go up and down 4 points here and there. So they should recover it was just a surprise to see. Others, I'll come back and update as it goes.
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09-24-2007
07:39 AM
I know everyones experience/scores/history differ so this may or may not effect you. But its what happen to me. Few months ago Debt Free - Zero Balance on all reports About 2 months ago - noticed a 4 point drop in score for no reason Found out maybe cause not using credit cards/dormant/nonreporting CRA Fount out should carry balance of 1-6% ( NOT O% ) Went out and put 1% on all cards I have - No score changes. This month - my Chase Reported a balance of $75 TU Stayed - EX Dropped 3 points - EQ Dropped 22 points!!! I believe it was from the Chase Reporting Read the SW Alert that any balance increase can lower score Read the SW Alert that any Charge on a DORMANT CARD can lower score Hadn't used any Cards for 4 months till now just to add/keep reporting This week made a Desicion on what cards to keep/leave 1% balance Kept all my Prime cards with Largest Balances Paid OFF the other 2 that I dont plan to use Will see if scores go back up on EQ. I guess this is proof that you should keep a balance so your card never goes dormant or unused/unreported OR if you stop using a card for a long time, in my case 4 months, you should expect to see a score drop in some cases. I was surprised that only $75 on a $7500 CL would do that. I've learned yet another thing so figured I'd mention my experience. But while I did like having no balances, I feel keeping that now only keeping 3 cards with a 1% will be fine and keep me in the mid 700's.
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09-22-2007
05:14 PM
Hi all - I recently noticed that my FICO Credit History Length for EX and TU are about the same. EX shows 29 years and TU shows 24 years. But EQ is only showing 14 years. Any reason why or how I can update that to show 20+ years like the other two? I thought at one point my EQ did show 20+ years so unless something fell off.... Any help is appreciated or if theres a link to a thread ....is also appreciated. Thanks Again!!
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08-17-2007
09:24 AM
Yep - I just replied in another post about FR and how that AMEX Love Button can maybe backfire for me too. I dont know what they look for. I havent carried a balance for 3 months but will use it for small items then pay off just to keep them reporting.
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08-17-2007
09:03 AM
I read on here I think - if you stay under $24K CL it should be ok depending on your Income you enter. I was going up and upping mine monthly but I reached 20k and have STOPPED. I was even thinking to go back and have it reduced. I like my AMEX and dont want to risk losing it or having my account reviewed. What started out as LOVE BUTTON fun, can backfire on me! Yikes.
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08-17-2007
08:45 AM
I applied for a CITI Business card and got it but its looking like it cost me 8 points on my EQ. Lucky they only pull one CRA. Still 8 pts is a lot so your 76 is terrible. I hope yours bounces back up soon. Sometimes there is a flux from month to month I heard so hopefully the system re-looks at that drop and fixes it. Message Edited by MM1234 on 08-17-2007 08:46 AM
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08-14-2007
02:46 PM
Yeah - Maybe I should use for small items or keep a 1% Balance on all cards for a few months and see how that works out. I just was thinking why 8 point drop for not using your cards. Penalized for not using credit?! Dag!
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08-14-2007
02:42 PM
One was on AMEX and I just clicked the CLI button, enter in some info and it gives it to me. I've been doing this with them for years. The other one was a CITI CLI. I logged in and it said I was preapproved for a CLI without any report pull needed. So I clicked it. If they did require a Hard, it would have been on this report. Im puzzled. But I read some reports that your score can flux so maybe next month it will be back up? Not likely. Something made it go down. Arrg!!
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08-14-2007
02:35 PM
I have a Cap One and its crazy. They gave me a 1000 CL and only raised it to 1600 over the last 3-4 yrs. I called and told them I have PRIME cards that have over 10X that CL. They said they cannot increse it. Oh bother! I used to use that card when shopping online on International Sites or at "Iffy" places around town since it had a small limit. I still have it tho.
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08-14-2007
02:28 PM
Man - been working alot but today I have time check in and review some good posts. I like the NEW forums added too! Ok - So and wanted to check all my scores. So I ordered all 3 score today. My EX and TU are the same but my EQ dropped 8 points. And I didnt get an alert. Hmmm. I reviewed my last EQ Score Report ( from about 1 mo. ago ) and this NEW one and everything is the same. Same # of accounts, same history - everthings the same. Since I have Zero Balances on all my Accounts are all the same as last time. The only thing I did get was CLIs for 2 cards. Those were done online and didnt need a Hard Pull. I did have 1 Inquire on the last report but that didnt move my score then. Even tho it was on the last report can it hurt this report? I was an AUTH. USER on a very old account but that was not showing up on the Last Report either. So not sure if that would make a difference from 1 month ago till today since the NEW FICO/Auth User rule is in place. The only thing I can think of is since I dont use my Credit Cards, is that hurting me? I know about the 1-9% UTIL recommendation but was hoping it wouldnt hurt me with 8 points. I like not having any Balances but maybe I do need to charge a bit. Any ideas what to look for? Thanks all!!
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06-24-2007
10:03 AM
Hey thanks !! Thats a good link. Maybe thats what she DID do. The One on the left looks like the one I had.....so maybe she did update me to a Platimum cuz I see that has no fee. I kinda lost interest in the conversation with her once she said my APR would be the same but she did mention the word GOLD and PLAT ...Still, with no AF Im happy!
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06-22-2007
09:27 PM
Yep - when I worked for a company and got a AMEX card for Corp Expenses I think I had to give my SSN. When the company was being bought out they stopped re-imbursing me and I think I was getting bills at my house. Somehow I must have given my personal info and Im sure I was hit with it on my Personal CR. That was way back when I didnt even know or care about my CR. Ha - how foolish I was !!! Message Edited by MM1234 on 06-22-2007 09:28 PM
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06-22-2007
09:21 PM
Noah_Bodie - it was my Air Tran Visa that is owned by Juniper/Barkleys. I did like the card cause I used Air Tran alot when possible so we'll see. Oh - i did do that last year to get the fee waived and I was thinking I could have again. But Im so forgetful and with E-Statments its easy to forget to check it if you usually dont carry a balance. But im glad it worked out.
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06-22-2007
09:14 PM
ilovepizza - Good point. I'll have to see if the restarted the Card Date to todays date. They didnt have to pull my report again so that was good. They did say it would be a GOLD card now....not the Platinum. OOOOOOooo. I dont really care about the color. Im just glad I didnt have to close the card! Ha !!
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06-22-2007
04:26 PM
I posted a reply to a similar question. I wish I knew how to find that post. Maybe click on my User ID to see what I replied to? Im Co-owner of a biz and have been for like 6 yrs. Its HARD!! For years we have had Biz Credit Cards in the Biz name that were NOT tied to our personal CR but WERE tied to our personal names as a gurrantor. But recently we finally got REAL Credit in the biz name only. Its nice to have incase we need it. Just use it and pay it off the same month. This helps you look good. But - I was told by the bank person that for biz credit the Banks like you to keep a small Balance so you can help them make a little $$$ but when its time that you want more they should show you some love !! Make sure you are a CORP or S-CORP. Otherwise i think its impossible. Check your D&B Paydex too so you see how your biz stacks up. Message Edited by MM1234 on 06-22-2007 04:27 PM
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06-22-2007
01:22 PM
A flygirl is a good thing and a flygirl with a 152 point Jump is a great thing!! Super Congrats !!!
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06-22-2007
01:19 PM
Ha!! Well I just called to close it and they said "Noooooo!". Ha!! Well not quite but they did transfer me over to a Manager and....a new card with NO Annual Fee. So from the last time I called to now they must have changed their ways. I wonder if others were calling in and closing accounts too. So they wised up. They didnt lower the APR but said I can call back in 2 months and see. I wont be using the card but its nice not to have to close it. Maybe this info will help someone!
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06-22-2007
11:10 AM
Its only 2 yrs old. I called in the past and tried to get it down and they said they cant do that. Also - I cannot covert it to a new card. Its not a Prime card either. I can call and waive the fee but then I have to remember to do that every year so I figured its time to close. I have a total of 7 Cards including this one and 4 are prime and older. Thanks !! Message Edited by MM1234 on 06-22-2007 11:11 AM
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06-22-2007
08:42 AM
I know its been asked ......but just checking one more time. I have a card I dont use, has a Zero Balance, HIGH APR, $5500 CL and an $39 Annual Fee. If I close it will it hurt me? My UTIL is now Zero so I dont need the CL for my overall Util Ratio and its a newer card about 2yrs old. All my other Cards have much higher limits and no fees so I just want this on out of my life. DUMP IT ??
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06-22-2007
08:27 AM
Excellent. For that high of a jump you should order ALL 3 of yours scores now or in a week. This way you can see all your scores. The reason I say a week is cause other CRAs may not have posted yet. So once all your CRs show the same balance then you know your scores across the board. This is not really needed but once in a while its good to know all 3. This is why I like TC, cause I monitor my 3 scores everyday or week and when they are all the same - i stop over and spend $$ with my friends at MyFico to get my real scores!
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06-21-2007
01:07 PM
I wonder if the Simulator is basing the jump off the assumption that your Collections and others will report an Updated "On time or Current" status for you ?
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06-21-2007
12:51 PM
You should see a nice jump paying off all that. The ones you paid off over the last 2 weeks may not show up if you missed the CCard and Company Report date. So you may not see that change until AUG 15th or so. Then anything you pay off in the next few weeks MIGHT be included in the AUG totals but you should see your true amounts by SEPT. My Reports are sometimes updated at the Beginning or Mid of the month so you may see some payments post and see a small jump. Good going tho !!!
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06-18-2007
09:20 PM
I was at around 85-90% UTIL last year and now my UTIL is Zero. Paid it all off and saw 180-192 Score jump in a year. During this time I didnt use Credit at all. I was only paying OFF all CCards. As you make Huge payments you may see 10-20 point jumps in a month. This really helped motivate me !! But some months you may only pay a what you can but even a 5 point jump is great !!
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06-17-2007
07:39 PM
Congrats!
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