Credit Card Center Advertiser Disclosure†
08-05-2007 05:55 PM
08-05-2007 06:27 PM
Which CC is this? CL? Balance? And how much cash do you have on hand to pay down the balance? Do you have any other CCs? If so, which ones and also what are their CLs, Balances and APRs? 631 average score, are these FICOs?
DREAMBIG1234 wrote:OK I NEED SOME HELP...I AM WORKING TO GET MY CREDIT BACK UP AND RUNNING...RIGHT NOW I HAVE A 631 AVERAGE...ANYWAY AFTER WORKING ON IT FOR A FEW MONTHS ONE OF MY CC COMPANY DECIDES WITHOUT NOTICE TO LOWER MY CREDIT LIMIT....NOW NORMALLY I WOULD NOT MIND THIS BUT NOW UNERSTANDING THAT HAVING A HIGH BALANCE COMPARED TO CL IS A BAD THING THIS HURTS ME...I JUST STARTED TO LOWER MY OVERALL BALANCE TO UNDER 60% BUT THE CHANGE IN CREDIT LIMIT PUTS ME OVER 80% AGAIN...REALLY MAKES ME MAD...CAN I DO ANYTHING OR DO THE CC COMPANY HAVE THE RIGHT TO DO THIS???I JUST HATE THE FACT I WAS MAKING PROGRESS AND EVEN THOUGH 60% DOESNT SEEM GREAT TO OTHERS HAVING A 90%+ PLUS AVERAGE FOR SO LONG AND FINALLY MAKING A GOAL AND HAVING IT TAKEN AWAY STINKS...ANY HELP WOULD BE GREAT THANKS!!!
08-05-2007 08:19 PM
08-05-2007 09:39 PM
Which credit card company is this? American Express, Chase, Citi, ???
DREAMBIG1234 wrote:Yes the score is FICO and the card is a mastercard...I just want to know if I call and ask them to return my limit back to the original will they run my credit score thus dropping me points again...Thanks
08-05-2007 10:37 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.