taken against them by a bank or a CCC?
When I say AA, it can include any of the following:
1.) credit limit decrease -NO
2.) account closed for misbehaving -NO
3.) account closed from lack of use -NO
4.) APR went up - NO
5.) an unwanted "upgrade" -NO
6.) any change in the way your CC reports to CRAs -NO
I'm sure there are more AAs that have been taken against most of us, but these seem to be the most common ones.
If you're a person that has not had AA taken against you, please share your situation with the rest of us.
What are your FICO scores? EQ 719 - TU 709
Are your reports clean, a little dirty, or very dirty? If a little dirty or worse, what are your negatives and how old are they? Paid or unpaid? CLEAN
How long is your credit history? 9 years, AAoA 3 years
What is your overall and individual CC utilization? 0-7%
Have you apped for CCs or other loans in the last year? If so, how many times? How many inqs in the last 12 months? 7 INQ EQ - 4 INQ TU
I fully expect to find no more than 10 forum members that have had no AA taken against them.
Discuss!!!!!!!!!!!!!!!!!!!!
I don't know what number we're on, but I guess I'm one of the 10 (or more) - no AAs at all.
Quoting:
1.) credit limit decrease >> Nope. Got one unrequested increase from AMEX, others have remained the same.
2.) account closed for misbehaving >> Nope.
3.) account closed from lack of use >> Nope - even though I have a Chase CC that I've not touched in over 3 years. They just sent me a new one to replace an expired (unused) one, too.
4.) APR went up >> Have to check on this, but I think no. AMEX - no, BofA, no - Discover, no. I don't know the APR on the aforementioned Chase VISA, 'cause the effective APR on $0 is still $0.
5.) an unwanted "upgrade" >> Um.. not sure what you mean by this, but no.
6.) any change in the way your CC reports to CRAs >> Got me. I don't track this much detail regularly. I know my score has just inched up, save for a couple of times when I had known and intended inquiries, where there was a two-month or so tiny blip.
"If you're a person that has not had AA taken against you, please share your situation with the rest of us."
OK!
What are your FICO scores? > 790-804 range, as of about two months ago.
Are your reports clean, a little dirty, or very dirty? If a little dirty or worse, what are your negatives and how old are they? Paid or unpaid? >> Clean now, but they sure were dirty 10 years ago. In fact, I'm pretty convinced that the reason they're clean now, and why I've had no AA issues - I was in the pit of credit yuckiness, and dragged myself out of it on my own. Since I didn't BK when I could've, I'm probably considered very low risk. I defaulted on nothing, I paid stuff way late sometimes - but I paid it all. Not saying that's right for everyone, but I do suspect that somewhere it flags me as someone who'll almost certainly never BK.
How long is your credit history? >> Oldest active anything is the boring AMEX charge card - 1993. My credit history itself dates to 1986, though.
What is your overall and individual CC utilization? >> Overall, probably around 10% right now. I have a BofA that's at about 40% temporarily, but it bounces up there and gets paid off within a couple of months, so there's a pattern that they know, and I doubt if the algorithm flags me as a result.
Have you apped for CCs or other loans in the last year? If so, how many times? How many inqs in the last 12 months? >> I had an inquiry for a residential lease just about 12 months ago. Zero consequence at all. Another for ATT UVerse, and one other for something - can't remember what - but again, barely touched the points, and rolled off fast.
I fully expect to find no more than 10 forum members that have had no AA taken against them.
Discuss!!!!!!!!!!!!!!!!!!!!
Am I on your list?
@upperleft wrote:
I don't know what number we're on, but I guess I'm one of the 10 (or more) - no AAs at all.Quoting:1.) credit limit decrease >> Nope. Got one unrequested increase from AMEX, others have remained the same.
2.) account closed for misbehaving >> Nope.
3.) account closed from lack of use >> Nope - even though I have a Chase CC that I've not touched in over 3 years. They just sent me a new one to replace an expired (unused) one, too.
4.) APR went up >> Have to check on this, but I think no. AMEX - no, BofA, no - Discover, no. I don't know the APR on the aforementioned Chase VISA, 'cause the effective APR on $0 is still $0.
5.) an unwanted "upgrade" >> Um.. not sure what you mean by this, but no.
6.) any change in the way your CC reports to CRAs >> Got me. I don't track this much detail regularly. I know my score has just inched up, save for a couple of times when I had known and intended inquiries, where there was a two-month or so tiny blip.
"If you're a person that has not had AA taken against you, please share your situation with the rest of us."
OK!
What are your FICO scores? > 790-804 range, as of about two months ago.
Are your reports clean, a little dirty, or very dirty? If a little dirty or worse, what are your negatives and how old are they? Paid or unpaid? >> Clean now, but they sure were dirty 10 years ago. In fact, I'm pretty convinced that the reason they're clean now, and why I've had no AA issues - I was in the pit of credit yuckiness, and dragged myself out of it on my own. Since I didn't BK when I could've, I'm probably considered very low risk. I defaulted on nothing, I paid stuff way late sometimes - but I paid it all. Not saying that's right for everyone, but I do suspect that somewhere it flags me as someone who'll almost certainly never BK.
How long is your credit history? >> Oldest active anything is the boring AMEX charge card - 1993. My credit history itself dates to 1986, though.
What is your overall and individual CC utilization? >> Overall, probably around 10% right now. I have a BofA that's at about 40% temporarily, but it bounces up there and gets paid off within a couple of months, so there's a pattern that they know, and I doubt if the algorithm flags me as a result.
Have you apped for CCs or other loans in the last year? If so, how many times? How many inqs in the last 12 months? >> I had an inquiry for a residential lease just about 12 months ago. Zero consequence at all. Another for ATT UVerse, and one other for something - can't remember what - but again, barely touched the points, and rolled off fast.
I fully expect to find no more than 10 forum members that have had no AA taken against them.
Discuss!!!!!!!!!!!!!!!!!!!!
Am I on your list?
You certainly are!!!!!! Congrats!!!!!
@fused wrote:taken against them by a bank or a CCC?
When I say AA, it can include any of the following:
1.) credit limit decrease-----NO
2.) account closed for misbehaving ---NO, but I did get spanked once last year by my wife for tracking mud into the house.
3.) account closed from lack of use---NO, use them all (we only have 4) quite a bit each month
4.) APR went up----NO
5.) an unwanted "upgrade"----NO. They did change my card to a BANKAMERICARD when it renewed, as they said I was a "legacy" customer. I've had the account since 1973. They also doubled the credit Limit, which I had NOT asked for. They had informed me of all this before the old card expired and I told them I had no issues with it, as long as everything stayed the same.
6.) any change in the way your CC reports to CRAs-----NO
I'm sure there are more AAs that have been taken against most of us, but these seem to be the most common ones.
If you're a person that has not had AA taken against you, please share your situation with the rest of us.
What are your FICO scores? I have NO IDEA, never checked. Only thing I know is I asked my friend at the bank once and he assured me they were high enough to get any credit product they offered, so I have little need to know.
Are your reports clean, a little dirty, or very dirty? If a little dirty or worse, what are your negatives and how old are they? Paid or unpaid? I do SEE my CREDIT REPORTS at least twice a year. Nothing on their of a negative nature.
How long is your credit history? -----BANKAMERICARD , 1973
What is your overall and individual CC utilization?----we charge approx, $3000-$4000 per month. That utilization would be under 3%. We are also PIFers
Have you apped for CCs or other loans in the last year? If so, how many times? How many inqs in the last 12 months? --NO, last credit app I filled out was in Feb 2001 and that was to join a local country club.
I fully expect to find no more than 10 forum members that have had no AA taken against them.
Discuss!!!!!!!!!!!!!!!!!!!!