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Are you sure you're not talking about EX?
ALEXREDD wrote:It'll be EQ. I would bet the ranch on it.EQ is now in the CA business anyway. I posted previously how if you're credit improves (and you're in an improved position to pay) EQ will sell these lists to CAs. That's why as your credit improves you start getting a lot of Zombie debts.Plus, the lower your overall score, the more profit CC, mortgage lenders, etc. can charge you (because you have a lower score, they have to charge you a higher rate). But, a CRA can't be blatant about it or the Government might step in. So this AU crap gives them a great opportunity.From a mathamatical perspective, being an AU should increase you credit score (maybe not AS MUCH as being the owner of the CC). If you have the resources to become an AU on a $15,000 cc (whether family or buying it through a sleazy company) you're probably a better statistical bet to pay a debt then someone with same pre-AU score.That's what irritates me about the CRA's: the junk math. EVERY event / variable they have EVER introduced works to LOWER your score. Back in the day, for example, they didn't include student loans and medical collections in your score. Now, an overdue book from the library (that goes to collections) lowers your score. LOWER LOWER LOWER.EQ is the worst as far as verifying and correcting. You think they do it just to be mean? They just hate people for no reason? No. The lower your score, the more business (indirectly, sure) they get.Okay, done ranting.
HA! I'm not who's posts I enjoy reading more, yours or TNWM's. I have always said, "EX's arrogance is legendary.
Noah_Bodie wrote:You are certainly correct that EX is in the CA business--full blown.But I think EQ is the candidate to embrace the new FICO scoring. EQ and FI have a very symbiotic relationship.If the CRAs were Dwarves, EQ would be Happy, TU would be Dopey, and EX would be Satan, the Eighth Evil Dwarf.
sankofa wrote:My husband is an authorized user on my CitiDividend America Express Card....Should I make this card joint? Utilization at the moment is 7%.