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Senior Contributor
jsucool76
Posts: 3,997
Registered: ‎12-11-2011
0

Re: SISTER CREDIT REVIEW

TrishN:

I'm 19. I know plenty about credit and I'm able to answer a lot of people's questions. I learned everything I know here.

OP is trying to learn, and help their family. Think what you want but don't post rude things and get off topic just to raise your post count.
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Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,698
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW

Well like I said her scores are low because two cc are close to limit current scores for all three are maybe in the 620-630 I messed with the score stimulator and it saiad that once her debt reduces to 1% her scores would raise to 690-700. SOO maybe that can allow her to get a PRIME card. The only thing that she doesnt have is a mortgage or installment loan only revolving. Does that matter??

Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW


BearsAndTurtlesRtheBest wrote:

Well like I said her scores are low because two cc are close to limit current scores for all three are maybe in the 620-630 I messed with the score stimulator and it saiad that once her debt reduces to 1% her scores would raise to 690-700. SOO maybe that can allow her to get a PRIME card. The only thing that she doesnt have is a mortgage or installment loan only revolving. Does that matter??


I opened up a small installment loan to get one on my credit profile. I don't think it is a big deal, but it might help with something like an auto loan. Some credit scores weigh heavy towards installment loans if they are for an installment loan.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,698
Registered: ‎10-02-2012

Re: SISTER CREDIT REVIEW

@Trish look im no fighter okay AND definitely not a FRAUD if you dont like what I post simply ignore me. and keep on with your life.

Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW

[ Edited ]

TrishN wrote:

http://ficoforums.myfico.com/t5/Credit-Cards/WOW-Mom-got-a-offer-through-the-mail/td-p/1802814

http://ficoforums.myfico.com/t5/Credit-Cards/18-yr-old-SISTER-GOT-CLI-ON-OLD-NAVY-ACCT/m-p/1801776#M...

http://ficoforums.myfico.com/t5/Credit-Cards/Parents-my-sister-and-I-are-getting-out-of-debt/m-p/179...

http://ficoforums.myfico.com/t5/Credit-Cards/HOW-TO-REMOVE-INQUIRY-FROM-TU-REPORT/m-p/1764990#M49110...

too lazy to pull all his posted. check 4 of them you guy see something not right !


They could have a thousand posts like this and I would still not see it as cause for concern.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW

[ Edited ]

BearsAndTurtlesRtheBest:

 

I found this forum too long after I started building credit. I wish I would have found it early on before i started building. It would have been so helpful. I am glad you are here to learn now.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,698
Registered: ‎10-02-2012

Re: SISTER CREDIT REVIEW

[ Edited ]

I agree this forum has helped me out ALOT Ive gained knowledge in credit that Ive surprise my self when I hear adults talk about credit. I know exactly what they are saying. Im glad I have found myfico at this age.

Frequent Contributor
mikka1
Posts: 272
Registered: ‎12-28-2011
0

Re: SISTER CREDIT REVIEW


TrishN wrote:
(...)

too lazy to pull all his posted. check 4 of them you guy see something not right !


Am I the only one here who finds it particularly rude to insult a person this way and even try to build an "evidence base" for those allegations by lurking through someone's posts? 

TrishN, sorry for saying this, but there's a very good rule of thumb - if you don't like someone online, just ignore him/her and what he/she says. I should've probably followed the same route with your posts, I just found it too insulting for a person you've probably never seen before.

Sorry to others for this comment. I will try not to keep going on this.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colon:smileywink: Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,698
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW

@mirachi yea thats sound good but it would be better if she can get in with the big cards asap :smileyhappy:

Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: SISTER CREDIT REVIEW

Who does she bank with? If it is a large national bank, they are bound to have some decent credit products.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%

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