03-28-2008 07:18 PM
Moved message by plantdoctor to new thread titled "Help with CA requested"
10-08-2008 07:26 AM
Can anyone confirm/comment on this regarding Capital One? Isn't the high limit the highest balance you have had on that card, ever, and not considered in your score? Isn't it the current balance that applies for Util? I have a Capital One CC and I'm pretty sure they report my balance accurately, and my Util isn't being calculated with a 100% from CapOne. As far as reporting the high limit goes, I'm pretty sure all of my CC report the highest balance I have ever had with them, as well as my current balance.
10-08-2008 07:33 AM
I have a quick question...if one say applied for a refinance auto loan from Cap1 and got denied and one didn't remeber the reasons y because they didn't know about myfico forums and threw away the denial letter, how could one such person have that descision reconed? Or should I just reaply and try recon then? Refiancing would help me sooo much I currently have been paying 17.95% APR for 15 mon now I paid down a whopping 1k off my loan amount and this refi would be @6.95% and lower my payment by $55 which is alot for me right now. Thanks in advance for any advice.
04-28-2010 05:35 AM
I was unaware that a decline will lower my score. Where do declines typicallly show up on the report?
A decline does not lower your score. They do not show up on a report.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.