General Credit Topics

[Cory]

No problem, keep them coming........lol

Cory

[rifleman]

anyone ever get there CELL phone deposit back? I had to put down $100 for cingular when I signed up a year ago.

[Tuscani]

Oh no.... someone brought up cell phone Inqs...

[MidnightVoice]

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Tuscani wrote:

Oh no.... someone brought up cell phone Inqs...

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Read it.

Answered it 

[thatgrri3]

Is that a no no?

[MidnightVoice]

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thatgrri3 wrote:

Is that a no no?

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I tend to rant about cell phone inqs and their effects on FICO scores  

[rifleman]

what effect do cell phone inq's have on FICO?

[MidnightVoice]

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rifleman wrote:
what effect do cell phone inq's have on FICO?

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Same as any other inqs.  But if you revamp your families disparate cell phones to get them all on one plan by doing the logical and cost effective thing - waiting untill each old plan has expired - you get a bunch of inqs which the silly computer thinks means that you are desperatly seeking credit. 

[rifleman]

wow that's lame--you mean they pull a report for each family member, or just say you have 5 family members, they pull your score 5 times? That is super Lame.

Do they pull your score when you sign a new contract? How about if you choose to upgrade your equipment? I'm thinking of upgrading around this time next year

[MidnightVoice]

I got an account - Hard pull.   Sunsequently added a line - Hard Pull.  etc, etc.

And the difference between my TU and EQ is one 6 year old 30 day late, 3 inquiries and 50 points.

So it is in fact relevant