If this is true, we're all doomed..

[WhirledPeasPlease]

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unknown_entity wrote:

It's just a computer program that spits out what's put in it.  Actually those are awesome numbers for credit scores.  I talked with a B of A specialist today and he said, that is their most primary concern when it comes to issuing credit, they want people with long credit histories.  Hence the reason they sent me the 99/500 plan...lol. 

Message Edited by unknown_entity on 04-15-2008 06:47 PM

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I'm at 672, 672 and 658 - yes, I have some things that I'm waiting to fall off.  My util reports at 9%.  My 5 new accts this year will have their 6 month anniversaries before I do my final pulls for my next mortgage(s).  Well, BofA might be really close, but we'll see.  They gave me 2k on the Amex even though they sort of flinched at the 120 and 90 day lates from Sallie Mae in 2001.  (The 120s just fell off, yay!  One set of 90s to go!)  My average age could drop at any time b/c of a few older, closed cards from the late 90s.  I'm anchored a bit w/ cards from 1990 and 1993.

[Anonymous]

TU is weirding out on me too.  I got a red zone for having TOTAL credit card and non-mortgage installment (i.e., car loan) balances over $1,200.  Meanwhile my util is 3%.

[unknown_entity]

I'm still waiting on a recon from WaMu.  I sent them a 677 EX report with the recon request.  If that doesn't satisfy them I'm gonna have my Mom add me as an AU on her WaMu for a while and see if that helps...lol.  It's a 6025 limit with a 0 balance.  I know it will help my util and I think she's had it for decades.  That might be a good plan if they report the opening date as hers.   Anyone know how that works with WaMu?

[Anonymous]

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unknown_entity wrote:

I'm still waiting on a recon from WaMu.  I sent them a 677 EX report with the recon request.  If that doesn't satisfy them I'm gonna have my Mom add me as an AU on her WaMu for a while and see if that helps...lol.  It's a 6025 limit with a 0 balance.  I know it will help my util and I think she's had it for decades.  That might be a good plan if they report the opening date as hers.   Anyone know how that works with WaMu?

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Yep, I've been AU on DF's $9K WaMu card for a while, and I think that may have helped in getting my own (they gave me $15K when I got my own).  They will not report her opening date on your card.

[unknown_entity]

Thanks Cheddar!  I'm not surprised about them not reporting the opening date as hers though.  That would be almost scandalous...lol.  I'm still hoping for a recon approval, although, if I get denied, I may try the AU approach before the next app in 90 days. 

[Anonymous]

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unknown_entity wrote:

Thanks Cheddar!  I'm not surprised about them not reporting the opening date as hers though.  That would be almost scandalous...lol.  I'm still hoping for a recon approval, although, if I get denied, I may try the AU approach before the next app in 90 days. 

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I'm not sure how scandalous it would be, because that's exactly what Amex does.   But you probably knew that.

[Anonymous]

But I have a long credit history with BofA. Hows come they won't have anything to do with me?

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unknown_entity wrote:

It's just a computer program that spits out what's put in it.  Actually those are awesome numbers for credit scores.  I talked with a B of A specialist today and he said, that is their most primary concern when it comes to issuing credit, they want people with long credit histories.  Hence the reason they sent me the 99/500 plan...lol. 

Message Edited by unknown_entity on 04-15-2008 06:47 PM

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[unknown_entity]

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beenthere wrote:

But I have a long credit history with BofA. Hows come they won't have anything to do with me?

 

     Assuming that a long credit history means a good, long credit history....lol.  I'd call them up and ask why you aren't getting any love.  In the age of computers, numbers, formulas and everything else technical, a human intervention may be the answer.  I have never called and gotten the same person at any CCC twice.  If one doesn't give you what you want, call back and talk to someone else.  You'll eventually get someone that will help. 

[Junejer]

I was just scratching my head about this tonight.

Here is EQ:
 
You have an established credit history.
Here is TU:
You have an established credit history.
Here is EX:
You have a short credit history.


Avg of 6 yrs on both EQ & EX, 5 yrs on TU

ETA: How is it possible that I am getting both love and hate for the same thing?

Message Edited by ByrdMan on 04-15-2008 10:44 PM

[unknown_entity]

I'd say you are drinking from different wells with different smells...lol.