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I absolutely LOVE this forum

Regular Contributor

Re: I absolutely LOVE this forum

I agree 100% with everyone. The information in this forum is PRICELESS.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
Senior Contributor

Re: I absolutely LOVE this forum

If you recon Citi, just explain to them that you ARE creditworthy and are trying to make your credit better:-). Citi's recon reps, IME, have been rude, even when my FICO was like 700.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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Moderator Emeritus

Re: I absolutely LOVE this forum


Rackham12 wrote:

What are some tips on reconing I am trying to apply for CITI Div they are probably going to say too many inqs but my exp plus score is 726


That score is useless. No lender uses the PLUS score.

 

Your FICO's could be much higher or lower. Ignore all FAKO's all the time.