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Revolving account I don't think I approved....

Senior Contributor

Re: Revolving account I don't think I approved....



thrasher865 wrote:
I don't know. I can't afford to pull my reports. I'm a poor fico addict.
It is factored into my utilization, because the report that came at the start of my SW trial showed my utilization at 10%, which work out to be my $750 balance divided by my $1100 limit + $6000.



You don't have to pull a FICO. Sounds to me as if you are entitled to get your yearly free hard copy reports from TU EX and EQ. www.annualcreditreport.com is the link I think. Remember these are free. Do NOT pay.
Message 11 of 14
Valued Contributor

Re: Revolving account I don't think I approved....

nah, I've already pulled all three within the past year.  I've been concerned with my credit for a while, but only recently addicted.  I was browsing for a place to purchase a score to see where I stood when I stumbled on scorewatch and decided I could afford $90 for a year so I signed up for the trial to see if it was all it was cracked up to be.  That's when I stumbled on the forums....   the rest is history.

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 12 of 14
Senior Contributor

Re: Revolving account I don't think I approved....



thrasher865 wrote:
nah, I've already pulled all three within the past year. I've been concerned with my credit for a while, but only recently addicted. I was browsing for a place to purchase a score to see where I stood when I stumbled on scorewatch and decided I could afford $90 for a year so I signed up for the trial to see if it was all it was cracked up to be. That's when I stumbled on the forums.... the rest is history.



Have you been refused credit or a credit limit increase? AA from anyone?
Message 13 of 14
Valued Contributor

Re: Revolving account I don't think I approved....

Nope, I've only applied for one card since that very first CC and was approved to my very ecstatic surprise.  Have never asked for a CLI on my bank card.  I've never had a need or known that a CLI was beneficial to my credit.  I've been auto CLI'd twice by my FirstTennessee Visa.
 
 
Sorry, you'll have to help a new guy out.  I don't remember what AA means.  I see that it stands for adverse action, but what exactly does that entail?
 
Well, I'll just go ahead and assume you mean a CLD or APR increase.  If that is the case, no nothing of that nature.


Message Edited by thrasher865 on 06-03-2008 04:06 PM

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 14 of 14