No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
ROFL, so one new thing on the myFICO update, we get reason codes (aka reasons your score ain't higher) now too with the additional scores. Only have the one store card, and my only other questionable one is listed as pure Installment loan when I look at it.
Look what's on my EQ Beacon 5.0
So N>0 may be a problem! Admittedly it's in the 4th spot which we routinely tell people to ignore heh.
ETA: interesting, the EQ Beacon 5.0 classic and auto-enhanced scores have that negative factor for EQ, but the FICO 8 models don't; Bankcard does not (has my installment loan balances are too high, which has to be a ratio given it's a pair of secured loans, and may explain the drop from losing the auto loan, wish I had this data access a few months ago) and EX is mostly complaining about installment loan balances the CFA listing is nowhere to be found on the FICO 8 or FICO 98 versions listed.
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@kdm31091 wrote:For FICO purposes, it does not seem to matter. A credit line is a credit line. Your utilization is your utilization. The FICO score does not care who the credit line came from.
This is true but on manual review lenders definitely view subprime credit cards and loans as a negative
Wish I could be a fly on a wall in Chase/Citi/Barclay's U/W department for a day... Hear what people say on recons and decisions and the stuff they talk about between themseves about x person etc
It wouldn't shock me if some of them frequent these forums.
I think Nixon is covertly an Amex U/W supervisor.
@vikingred wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@kdm31091 wrote:For FICO purposes, it does not seem to matter. A credit line is a credit line. Your utilization is your utilization. The FICO score does not care who the credit line came from.
This is true but on manual review lenders definitely view subprime credit cards and loans as a negative
Wish I could be a fly on a wall in Chase/Citi/Barclay's U/W department for a day... Hear what people say on recons and decisions and the stuff they talk about between themseves about x person etc
It wouldn't shock me if some of them frequent these forums.
I think Nixon is covertly an Amex U/W supervisor.
Oh, that's it. FR for you every year!
@Anonymous wrote:
@vikingred wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@kdm31091 wrote:For FICO purposes, it does not seem to matter. A credit line is a credit line. Your utilization is your utilization. The FICO score does not care who the credit line came from.
This is true but on manual review lenders definitely view subprime credit cards and loans as a negative
Wish I could be a fly on a wall in Chase/Citi/Barclay's U/W department for a day... Hear what people say on recons and decisions and the stuff they talk about between themseves about x person etc
It wouldn't shock me if some of them frequent these forums.
I think Nixon is covertly an Amex U/W supervisor.
Oh, that's it. FR for you every year!
I refuse! CLS!
I checked that other link. There is NO WAY cap1 is a "prime lender" or "prime card". I say subprime. Trash card.
@Anonymous wrote:
@vikingred wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@kdm31091 wrote:For FICO purposes, it does not seem to matter. A credit line is a credit line. Your utilization is your utilization. The FICO score does not care who the credit line came from.
This is true but on manual review lenders definitely view subprime credit cards and loans as a negative
Wish I could be a fly on a wall in Chase/Citi/Barclay's U/W department for a day... Hear what people say on recons and decisions and the stuff they talk about between themseves about x person etc
It wouldn't shock me if some of them frequent these forums.
I think Nixon is covertly an Amex U/W supervisor.
Oh, that's it. FR for you every year!
You're way more generous than I would be. I'd make a FR for them AT LEAST once a month.
@vikingred wrote:I checked that other link. There is NO WAY cap1 is a "prime lender" or "prime card". I say subprime. Trash card.
They're subprime, but I see them as a gateway CC.
Gateway to prime. If you use it right.
@chwebb1 wrote:
@Anonymous wrote:
@vikingred wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@kdm31091 wrote:For FICO purposes, it does not seem to matter. A credit line is a credit line. Your utilization is your utilization. The FICO score does not care who the credit line came from.
This is true but on manual review lenders definitely view subprime credit cards and loans as a negative
Wish I could be a fly on a wall in Chase/Citi/Barclay's U/W department for a day... Hear what people say on recons and decisions and the stuff they talk about between themseves about x person etc
It wouldn't shock me if some of them frequent these forums.
I think Nixon is covertly an Amex U/W supervisor.
Oh, that's it. FR for you every year!
You're way more generous than I would be. I'd make a FR for them AT LEAST once a month.
That's a little too much. Quarterly.
With adjustable CL's according to income made that quarter. D:
@Revelate wrote:ROFL, so one new thing on the myFICO update, we get reason codes (aka reasons your score ain't higher) now too with the additional scores. Only have the one store card, and my only other questionable one is listed as pure Installment loan when I look at it.
Look what's on my EQ Beacon 5.0
- You have a consumer finance account on your credit report.
So N>0 may be a problem! Admittedly it's in the 4th spot which we routinely tell people to ignore heh.
ETA: interesting, the EQ Beacon 5.0 classic and auto-enhanced scores have that negative factor for EQ, but the FICO 8 models don't; Bankcard does not (has my installment loan balances are too high, which has to be a ratio given it's a pair of secured loans, and may explain the drop from losing the auto loan, wish I had this data access a few months ago) and EX is mostly complaining about installment loan balances the CFA listing is nowhere to be found on the FICO 8 or FICO 98 versions listed.
Good to know. Wonder how it would consider that dormant les schwab account from 2007? But, I'm not focusing on scores right now, will be interesting next November when I order my reports.
@Anonymous wrote:
@vikingred wrote:I checked that other link. There is NO WAY cap1 is a "prime lender" or "prime card". I say subprime. Trash card.
They're subprime, but I see them as a gateway CC.
Gateway to prime. If you use it right.
Yeah, I see that QS in yer sig.... ;-) BTW, how do i make a neat siggy like that with the cards and all?