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Valued Contributor
bigblue7722
Posts: 1,284
Registered: ‎05-17-2013
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fingerhut reported lost 8 points

Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?
TU08 Fico Score (689)-Goal Score-(750)
AMEX PRG NPSL,Us Airways mastercard $7500, CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Paypal smart connect $4000, Capital One Quicksliver $3500,Chase Freedom $3200, Discover it $3000,Sallie Mae Mastercard $2900
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myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: fingerhut reported lost 8 points

[ Edited ]

bigblue7722 wrote:
Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?

There's really no way to tell when you will get those points back I wish I could give you a time frame but YMMV

Congarts on the new TL reporting

The good news is now that you have a new TL your file will look even better to help get those points back

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
bigblue7722
Posts: 1,284
Registered: ‎05-17-2013
0

Re: fingerhut reported lost 8 points


myjourney wrote:

bigblue7722 wrote:
Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?

There's really no way to tell when you will get those points back I wish I could give you a time frame but YMMV

Congarts on the new TL reporting

The good news is now that you have a new TL your file will look even better to help get those points back


Thank you! I just joined a credit Union as well I did a secured credit card and a secured loan with them I swear I'm done till July 2014 I hope lol. I just wanted to make sure when my scores get high enough for chase freedom or discover it they can't say I didn't have enough accounts. I will have 4 credit cards on eq and tu, 3 cards for ex, 1 secured loan and 2 student loan accounts however one of which has like 9 90+ day lates.

TU08 Fico Score (689)-Goal Score-(750)
AMEX PRG NPSL,Us Airways mastercard $7500, CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Paypal smart connect $4000, Capital One Quicksliver $3500,Chase Freedom $3200, Discover it $3000,Sallie Mae Mastercard $2900
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: fingerhut reported lost 8 points


bigblue7722 wrote:

myjourney wrote:

bigblue7722 wrote:
Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?

There's really no way to tell when you will get those points back I wish I could give you a time frame but YMMV

Congarts on the new TL reporting

The good news is now that you have a new TL your file will look even better to help get those points back


Thank you! I just joined a credit Union as well I did a secured credit card and a secured loan with them I swear I'm done till July 2014 I hope lol. I just wanted to make sure when my scores get high enough for chase freedom or discover it they can't say I didn't have enough accounts. I will have 4 credit cards on eq and tu, 3 cards for ex, 1 secured loan and 2 student loan accounts however one of which has like 9 90+ day lates.


Perfect time to garden and work on the lates with GW's while your scores rebound for those new cards you want.

Chase normally pulls EX but sometimes EQ if borderline resulting in double pulls

Discover pulled EQ from my app in June but has also been known to pull TU

With all those accounts reporting positive history those points will come back fairly quick IMHO

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Valued Contributor
bigblue7722
Posts: 1,284
Registered: ‎05-17-2013
0

Re: fingerhut reported lost 8 points


myjourney wrote:

bigblue7722 wrote:

myjourney wrote:

bigblue7722 wrote:
Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?

There's really no way to tell when you will get those points back I wish I could give you a time frame but YMMV

Congarts on the new TL reporting

The good news is now that you have a new TL your file will look even better to help get those points back


Thank you! I just joined a credit Union as well I did a secured credit card and a secured loan with them I swear I'm done till July 2014 I hope lol. I just wanted to make sure when my scores get high enough for chase freedom or discover it they can't say I didn't have enough accounts. I will have 4 credit cards on eq and tu, 3 cards for ex, 1 secured loan and 2 student loan accounts however one of which has like 9 90+ day lates.


Perfect time to garden and work on the lates with GW's while your scores rebound for those new cards you want.

Chase normally pulls EX but sometimes EQ if borderline resulting in double pulls

Discover pulled EQ from my app in June but has also been known to pull TU

With all those accounts reporting positive history those points will come back fairly quick IMHO


Good willing those lates is near impossible with Sallie Mae lol but Citibank who had the loan first actually screwed up and tried to charge me for when I was in deferment. So that account looks good now its just Sallie Mae. Sallie Mae consumer advocate sent me a letter saying they don't do goodwill however, the letter did say that they are only required to report to at least one credit agencie so now I am asking if they can remove the account from two of them so they are still within federal requirements. I know it won't happen its worth a shot though.

TU08 Fico Score (689)-Goal Score-(750)
AMEX PRG NPSL,Us Airways mastercard $7500, CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Paypal smart connect $4000, Capital One Quicksliver $3500,Chase Freedom $3200, Discover it $3000,Sallie Mae Mastercard $2900
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: fingerhut reported lost 8 points


bigblue7722 wrote:

myjourney wrote:

bigblue7722 wrote:

myjourney wrote:

bigblue7722 wrote:
Well my new fingerhut account reported today lost 8 points in my Eq fico score. This is the first time sense I have had sw that I lost points in my score. How long do you think till I get those points back?

There's really no way to tell when you will get those points back I wish I could give you a time frame but YMMV

Congarts on the new TL reporting

The good news is now that you have a new TL your file will look even better to help get those points back


Thank you! I just joined a credit Union as well I did a secured credit card and a secured loan with them I swear I'm done till July 2014 I hope lol. I just wanted to make sure when my scores get high enough for chase freedom or discover it they can't say I didn't have enough accounts. I will have 4 credit cards on eq and tu, 3 cards for ex, 1 secured loan and 2 student loan accounts however one of which has like 9 90+ day lates.


Perfect time to garden and work on the lates with GW's while your scores rebound for those new cards you want.

Chase normally pulls EX but sometimes EQ if borderline resulting in double pulls

Discover pulled EQ from my app in June but has also been known to pull TU

With all those accounts reporting positive history those points will come back fairly quick IMHO


Good willing those lates is near impossible with Sallie Mae lol but Citibank who had the loan first actually screwed up and tried to charge me for when I was in deferment. So that account looks good now its just Sallie Mae. Sallie Mae consumer advocate sent me a letter saying they don't do goodwill however, the letter did say that they are only required to report to at least one credit agencie so now I am asking if they can remove the account from two of them so they are still within federal requirements. I know it won't happen its worth a shot though.


Good luck maybe you will be the one who changes thing someone has to be first:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13



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