Congrats on the loan and nice APR!   If I'm understanding correctly from the posts I've been reading,  it's a soft pull and docs are handled electronically.   Curious as to what all is needed so I can  have my ducks in a row             ... View more

Thank you, Creditguy (and obviously fellow southerner!) for such  an indepth reply.   With 21 accounts, I believe I'd fall in the 'no penalty' category.    My report explanation of positives cites no new  credit as helping my score and the only thing  in negatives  is utilzation   Utilzation reduction is most definitely the key to any score bump for me.   My credit improvement journey was a long and arduous one, and I still vividly remember my excitement on becoming a member of the 700 club a few years back, so I feel almost ashamed to even be concerned that the graph doesnt show  "Exceptional" (I misquoted as 'excellent') when I know it has no real bearing on my score.   And after many years of receiving help and advice on this forum from members like yourself, I should know better than to get hung up on the little report graphs!   I think I just want the perceived accolade  of being "exceptionall' in all other things as I work to get debt paid off.....   and in the grand scheme of things, getting the debt down is  way more fiscally important to me than FICO-ly  important, though I will be thrilled with what I know will be a huge score boost.   Thank you again!!   ... View more

When both my Walmart and Old Navy store cards upgraded to Discover and Visa respectively, they reported as new TLs even though I'd been told prior by CSR that they would not, so I am certainly  skeptical about being told Discover to MC switch won;'t result in new trade line.   Few years ago Kroger 123 changed banks from RSB to US Bank and began reporting as new tradeline.  Quite a few posts about it on this forum.  Took about 6 mnths but after consumer outcry (mine included!!) they finally started reporting with original open date.   Guess all we can do is wait and see.....with fingers crossed!!     ... View more

I spoke with Walmart CSR yesterday regarding reporting of the new  Mastercard and was advised it will not report as a new trade line.     It will be report as a transferred account and only the account number will change.  All other account information will remain the same.   Although the AAoA hit might not be 'traumatic',  I just don't want it adversely affected when I haven't apped for anything, so I sure hope the CSR's advices are correct!!         ... View more

I really, really don't want this change to affect my AAoA!!   Back in 2010 a lot of us waged battle with Kroger when the 123 card  changed banks (from RSB to US Bank) and  replacement card reported as new line.    After 6 months+ of ongoing emails, calls etc  the battle was won and the new card reported with original open date.   I'd like to think Walmart would report with original date but I'm not overly optimistic!    I just hate getting hit with new trade line when I'm not doing any applying at all!!!!!!! ... View more

I'm confused about the change, also.  DH received upgrade email and got a 40 point bump to 740. I havent received an email although I've been Scorewatch subscriber since 2005 (DH 2007).  Will everyone one  be upgraded or is there some criteria being used to dtermine who upgrades?Of course, I'm hoping an upgrade doesnt mean a lowering of my current score, but I think I understand that it doesnt matter what happens with any change the 08 edition causes  if lenders are going to be pulling 04.  From the various threads I've read, sounds like only the '08 version is going to be available on MyFico so I would think all Scorewatch subscribers would be upgraded, but since I havent received upgrade notice, I'm confused.. ... View more

Who do you call?!?!   DH got email yesterday and gained 40 points (!!) so I'm anxious to see if I go up or down if I get upgraded...   but I'm confused!!   Will all Scorewatch subscribers be automatically upgraded?    I've subscribed since 2005 and signed DH up in 2007, yet he got email and I didn't...at least not yet.   Are lenders using this new 'edition'??     ... View more

An update to what is obviously not a hot thread (LOL)...........   Just got off the phone w/Nationwide CSR who assured me card will continue to report credit limit after upgrade to Signature.   Gets me wondering a bit why some companies decide NOT to report CL on Signature cards????? ... View more

So glad to see this!!   I received same email last week, advising new card would be sent within 90 days.  After receiving the email, I came directly here to the forum, but couldn't find any recent posts about Nationwide and just didn't even think to post  the question myself.   I'm wondering if they'll stop reporting credit limit?!   When BoA upgraded they quit reporting CL and reported highest past balance.  On the other hand, NFCU upgraded to Signature but continued to report credit limit.   Hope someone out there in forum land has some info they can share!!!!!!!     ... View more

Always a soft pull....even after bank backing the cards changed to Commenity.    Limits are now at $3K+.  CLI requests after limits reach in excess of $3000 were denied advising "adequate credit line ". ... View more

Thanks, tooleman.   Guess I stand corrected.  I thought would need to be paid before the statement cut to avoid having it reported as late.   After having been through a rebuild in the past, I hate to see anyone take a chance with their credit, but suppose I'll need to admit I was wrong on this one. ... View more

@bdp02 wrote: GE has not stopped upgrading other cards, I currently have an outstanding offer to upgrade my Gap store card.   Note I am resisting the urge due to the impact said upgrade would have on my AAoA  (pat's self on back) Confirms what I suspected....OP was given some not quite accurate  advice from customer service.    And congrats on your most admirable self control regarding the offer to upgrade.    Fortunately for me, the upgrade did not affect AAoA negatively (I'm still 5+), and I wanted to take the chance since my Old Navy Visa CL is much, much higher than store card (ws $1200...increased to $3000 at upgrade and is now $7200...all auto increases!) and reports as credit card rather than store card.   I'm hoping my Walmart Discover may prove 'fruitful' as well in the CL dept....at least I think the potential is greater than with store card.  Had $2100 on store card and updgraded Discover is $2950.  Not as big of any increase as with the ON Visa, but hopeful I'll be seeing CLIs     ... View more

@corymcd88 wrote: @Creditaddict wrote: Walmart, Sams, Banana, Old Navy, Gap, Dillards... hmm feel I must be forgetting a ton.,... Chevron, TJMax.... GE told me that only walmart can upgrade. Dillards has a AMEX, I have dillards store card and theey told me to upgrade I would have to reapply. Only Walmart say thay can upgrade it. I think GE's customer service reps are not always correct with the info they impart!   My Old Navy store card upgraded last year to Visa and my Walmart card  was just upgraded to Discover last month.   An example of GE's CSRs being misinformed and passing along this misinformation to customers:  when I called GE to inquire about reporting of Old navy Visa,  I was told that upgrade to Visa would not result in account reporting as new--was actually told this more than once.  Of course, it reported as new and remained so even after disputing. Finally got to a supervisor who advised that I was not given correct info (duh!!) and the Visa would 'correctly' be reported as new acct.   When I got the Discover upgrade offer, decided to call customer service ( just for giggles ) to see what the advices would be regarding reporting of the upgraded card.  Sure enough, was advised it would retain same open date as store card and would not report as new.  Needless to say, the store card reported as closed/transferred and the Discover reported as new.   Unless GE has stopped upgrading all other cards very, very recently, I'd say you might have been 'misadvised' by the csr.         ... View more

@Anonymous wrote: how long did you have your store card before they upgraded it to the visa Two years exactly.  Git it April 2008 and was offered upgrade April 2010.     ... View more

@scottwagnon wrote: @tray wrote: @Anonymous wrote: my girls had it for about a year and they have bumped her from 950 to 7000 WoW that is excellent, $7,000.00 on a walmart store card actually that one is a walmart discover. WOWIE ZOWIE!    Don't want to get too off-topic, but  I didn't realize Walmart gave that kind of limit...even on their Discover cards!  My highest CL is $10K (Amex Blue) and lowest is my 'regular' Discover at $2000.  I've had the Discover card since '08 also, and not even 1 CLI!!  When I've called on it, would require hard pull so I declined.   Might not be a bad idea to app for the Walmart Discover!!     ... View more

I was shocked with my recent CLI, also.....but not complaining!!   I've had my Wmart store card since '08 and started with $400 CL.   After learning on this forum to request CLI every 4 mos, I'd finally made it to $1250 CL....always just $100 or so CLI each time.   Requested increase last week and almost fell out of my chair when I saw my new CL of $2150  .....a $900 CLI!!     ... View more

yeah..gas prices are great...and they've recently remodeled all the Krogers in my area, too.  The one I frequent almost (not quite as chi chi) has the feel of Fresh Market or Whole Foods, with a Starbucks and really great organic section, wonderful olive bar and deli...even the floors are nice!  And they've recently tried to implement a new procedure that eliminates long check times.  They try to get another checkout opened if other lines are more than 2 deep.  Hasn't been totally successful, but they're getting there.   The letter says new card will arrive in Sept or Oct, so I'll guess we'll find out then how it reports.   Any thoughts on my Visa vs Mastercard question?     ... View more

I really like this card, too, beam!  No, we're not married, but are pretty darn serious....kinda shacking up,if you will.   I love getting those checks in the mail and saving the extra on gas, so that certainly makes the relationship worthwhile.   That being said, when it reported as 'new', I did actually lose some points (knocked me from 5 yrs to 4 AAoA), but more importantly to me, I didn't feel that it reporting as 'new' really gave an accurate picture of continuous history, since just looking at my report you really wouldn't necessarily connect the closed RSB account to the newly opened US Bank account. (Wow....could I have made that sentence any longer?!?! )   Like you, I want this card around, so I'll deal with whatever, but my 'druthers' would be reporting with the original open date.   BTW, I'm not very savvy about diffs between VISA and MASTERCARD for either consumer or creditor.  Any advices in that regard?       ... View more

PS (a problem again with posting!  Showing me with this other name and only 5 posts and I have about 800+ under my usual name.  Not sure how this happens!!) Signed out and signed back in and looks like corrected itself....still not sure how this happens!!   Sorry for this completely off topic post, but it's disconccerting to see my post with a different name and # of posts!! ... View more

testing ... View more

@Anonymous wrote: Do they automatically update or do we need to click on something to get it to do so? Mine is still showing the same and original date that I saw it the first time (July something or other). Mine's the same as July 19th, though from previous posts we should expect updates 10th business day of the month.....   I'm assuming they just haven't updated yet and we should be able to get new score in day or two (I hope!) ... View more

Thank yo so much for the info, llecs.   And if I understand what you're advising, in the whole scheme of things,  the real issue is not TU 98 vs TU04,  or either EQ5 vs EQ8 score differences.   What  matters is which version (of either)  is most commonly pulled by lenders.   It seems that more lenders are pulling TU04 , which from posts I've read, results in scores that tend to be lower than TU98, which myfico uses.  (If indeed the Walmart TU score turns out to be 04, holds true for me as well by about -10 points).   As for EQ,  if I'm understanding correctly,  EQ08 is not being used by mortgage lenders as a general rule, so changing here on myfico (which is older version) would not give accurate info.   To further clarify, you mention mortgage lenders, but what about the versions used by CCC?   Again, I'm grateful for the info.   Now  I can understand why some posters are so upset about their TU myfico scores being lower than what a lender pulled. I don't expect to be in the market for a new mortgage anytime soon, so this issue may not really affect me personally in the long run, but just wanted have a better grasp of the issue.         ... View more

??????   PLEASE! ... View more