@Anonymous wrote:
I have two public records on my CR: A 2001 fed tax lien paid in full in 2005, and a 2002 judgement for Citibank also paid off several years ago. TU reports the lien as paid 12/2005, but EQ & EX do not. However, my TU score has dropped from 732 in Sept to 677 in Jan, while EQ is currently at 705. Not sure whats going on. Should I request EQ & EX update my public records, or could that actually hurt my score? I dont know whay my TU score has been dropping. Maybe due to a few extra charges on my cards? But I also upped my CLI by same amount by calling and asking for a raise. Everything is paid on time. Could paying off a car loan in Sept have hurt my score? Also wondering if I should apply for a BLUE amex card with these scores? I am hoping for a high CL and fixed low APR for bal transfers. Thanks!
Hi, dollardan, welcome to the forums!
AmEx is about way more than scores, and I don't think I'd apply as long as I had a public record still displaying on my reports. And if you read through recent posts (there's a hot thread going right now), you'll see that AmEx has been yanking the carpet out from under a lot of people with great histories with them.
I applied for a Bank of America card and got 0% BT for 15 months, $10K limit. They don't cap their 3% BT transfer fee, which is kind of ouchy, but that still works out to the equivalent of less than 3% APR over the life of the BT. Whatever you do, with any balance transfer, don't put even a single charge on that card until the BT is paid off, or that one charge will just sit there, gathering interest, while you gnaw away at the BT.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
