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@0REDSOX7 wrote:
Focus on building a robust credit profile instead of driving yourself crazy over what to pay what when.
If you let your statement cut with 60% utilization, don't worry about it. It will impact your score a bit, but if you're not apply for credit that month, it doesn't matter.
Get the credit profile - which looks like you are on your way - and the score will follow.
I would add...a month with a higher util is not that bad a thing. I had to replace a computer and charged in on my card and paid it off over two months. I took a score hit the first month, but the next month it was paid off and I regained the points plus about ten points. I woudln't do it regularly, but a higher utilization for a month is not going to hurt unless our applying for credit during that month. I like to think it shows you can handle large purchases as well as small ones.
I Came across this post and thought I'd ask about the secured nRewards with NFCU.
If you apply for the nRewards unsecured and there's no counter for the secured version,
Is this a really bad sign?
@Phoenixrising28 wrote:I Came across this post and thought I'd ask about the secured nRewards with NFCU.
If you apply for the nRewards unsecured and there's no counter for the secured version,
Is this a really bad sign?
No, just ask if they will offer you the secured nRewards. Very few reason why they would decline the secured card. Good luck!
The myFICO monitoring tool is really great -- loving it so far.
Except I do have one question.. Difference between Equifax and Experian is 75 points! Seems like something isn't right. Thoughts?
@Anonymous wrote:The myFICO monitoring tool is really great -- loving it so far.
Except I do have one question.. Difference between Equifax and Experian is 75 points! Seems like something isn't right. Thoughts?
Have you made sure all reports are clean? It's certainly not out of the question for a large difference. My TU score will barely move....
So im keeping my fingers crossed I just opened a Langley Credit Union account and applied for a 1000/ 1yr Credit Builder Loan. I ended up closing my PenFed account because When I called to ask about their credit building products. I was told that they didnt have anything to offer for people who filed for bankruptcy and also on top of that they had a lot of restrictions. So im prepping to start my farming in Dec. Since Sept I havent applied for anything just paying everything off.
@Anonymous wrote:The myFICO monitoring tool is really great -- loving it so far.
Except I do have one question.. Difference between Equifax and Experian is 75 points! Seems like something isn't right. Thoughts?
Your scores can vary between CRA's. While most people dont see that much of a spread, it does happen and there are many variables that can cause and affect it. Its likely you have accounts that may report to 2 of the 3 CRA's. That is the usual reason for a large split. Especially if there are derogatory accounts listed on 1 or 2 but not the other. You really need to see an updated report from all 3 to really know whats going on.
Does anyone know if "Special financing" offers hurt your credit?
Let's say for example I have a store card with a 4,000 credit limit and take a 12 months no interest offer for $2,000 (over the 30% threshold)
Is that not a good idea to finance over 30% in this case?
Thank you for this thread!
By following instructions posted here, I was able to dispute and remove 14 negative accounts from all three credit reports.
I was also approved for Capone QS card with a limit of $3000.
I do have a questions, my wife has American Express card, if she puts me as authorized user.. Would that help me? Or just get my own accounts established?
Thanks