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App Spree, Citi loves me

Established Contributor

Re: App Spree, Citi loves me


BearsAndTurtlesRtheBest wrote:

@distantarray Realy!?! Ive tryed on myfico.com but it says something call to verify. I called once bu the lady on the phone just asked my do you have any cards and i said "NO" so she said then thats why their is no credit reprot nor score. Then goodbye and hung up. SOO that why im assuming that at leat 6 months should pass until i can see credit reprot and score. What should i say when I CALL TO VERIFY?


you need 6 months of history to report a score, but a authorized user account with 6 months of history will suffice. Fico states that Authorized user account doesn't help much, but I strongly beg to differ. I've added friends and family to rapidly increase their scores all across the board. Especially since I can dramatically increase their reported credit limits to throw off credit/debt ratios. I have 2 cards around 20k range. Smiley Wink

 

just go to quizzle.com it's free or creditkarma.com etc if you don't see a score then you don't have one yet.

 

With Authorized user accounts I was able to get CSP approved for $5,000 at the time my highest credit limit was $1,000. I think it's cause I was an AU on my dad's CSP but it was a instant approval online so no questions there Smiley Wink I only had about 1 year AAOA.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 11 of 24
Senior Contributor

Re: App Spree, Citi loves me

Ii shall try creditkarma bernhardtra message me telling me about it. Although what scores does it provide? I know forsure not FICO. IS it a worthy score??

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 12 of 24
Senior Contributor

Re: App Spree, Citi loves me

Yup its a NO GO . Its says "You personal info. could not be verified. Pleasecheck info. below blah blah blah blah. Is it beacuse my dad and I have the same name and live in the same address? Hopefully this issue wont be a problem in the near future. FYI this was credit karma.com

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 13 of 24
Established Contributor

Re: App Spree, Citi loves me


BearsAndTurtlesRtheBest wrote:

Yup its a NO GO . Its says "You personal info. could not be verified. Pleasecheck info. below blah blah blah blah. Is it beacuse my dad and I have the same name and live in the same address? Hopefully this issue wont be a problem in the near future. FYI this was credit karma.com


sounds like a id problem not a score problem, try quizzle?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 14 of 24
Senior Contributor

Re: App Spree, Citi loves me

AHHHHHH!!!!! quizzle worked!!!! Its currently reporting 3 accounts my Experian score is 673 @distantarray THANK YOU VERY MUCH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. At least I know that I have a credit report. LMBO. Now how does quizzle work? Does it provide Experian PLUS score? So far Quizzle thinks that the Getting started plan is right for me. $7 a month includes  a updated credit report and credit score. WOW im so excited!!!! Thanks alot distantarray!!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 15 of 24
Established Contributor

Re: App Spree, Citi loves me


BearsAndTurtlesRtheBest wrote:

AHHHHHH!!!!! quizzle worked!!!! Its currently reporting 3 accounts my Experian score is 673 @distantarray THANK YOU VERY MUCH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. At least I know that I have a credit report. LMBO. Now how does quizzle work? Does it provide Experian PLUS score? So far Quizzle thinks that the Getting started plan is right for me. $7 a month includes  a updated credit report and credit score. WOW im so excited!!!! Thanks alot distantarray!!


Np, I wouldn't pay though it's free every 180 days, it's just a good place to check what's going on with your reports, and yea it's a Experian plus score , but as long as you don't have anything bad it should be fine. remember scores are over rated unless your going to buy something soon.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 16 of 24
Senior Contributor

Re: App Spree, Citi loves me

Got it! Thanks again.

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 17 of 24
Valued Contributor

Re: App Spree, Citi loves me


distantarray wrote:



Not to burst your bubble, but unless you get a few 30 year old accounts added to your file you'll definately not get a 800 ina  year. Even the Fico president did not have a 800. 

 

http://www.youtube.com/watch?v=PqfR46obY1U  CEO of Fico here stated you can not get a perfect score til your "40's something" and the earliest I've ever seen a 800 score was with 12 years of history with a Average age of accounts of 12 years.

 

Also majority of lenders primarily pull Fico 04 scores, and in the 04 scores no one has EVER reported a perfect score. Only in Fico 08 it's possible.


Well last year with only eighteen months of history, Discover came back with a Transunion FICO score of 776. This what after about eight inquiries so I believe it could have been more before. Most recently with only one inquiries and about 2.5 years of history, I received a letter with a 792 FICO score. That isn't 800, but it is pretty close. Experian was recently at 771 with abot twenty-two or so inquiries. Not sure what Equifax's problem is, as it is low 700's Smiley Sad

Message 18 of 24
Established Contributor

Re: App Spree, Citi loves me

Read the fine print Discover does not use the Fico scoring model it is based out of a possible 950

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Message 19 of 24
Valued Contributor

Re: App Spree, Citi loves me


dodgeball wrote:

Read the fine print Discover does not use the Fico scoring model it is based out of a possible 950


The fine print was read. It said they used Transunion and said FICO somwehere near the score.

Message 20 of 24