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Timothy
Posts: 9,252
Registered: ‎03-19-2007
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Re: I know understannd why EX hates me thanks to Credit Secure - Heloc is revolving

50K will also

fused wrote:
 > 60K should guarantee it!



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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: I know understannd why EX hates me thanks to Credit Secure - Heloc is revolving


Timothy wrote:

fused wrote:
> 60K should guarantee it!

50K will also

That's what I'm hoping! So far, that's what the scores are showing. I'll know for sure in early January.
* 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
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fused
Posts: 16,373
Registered: ‎03-12-2007
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Re: I know understannd why EX hates me thanks to Credit Secure - Heloc is revolving

One of the CRAs currently requires 60+K, EQ I believe.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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haulingthescoreup
Posts: 28,098
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Re: I know understannd why EX hates me thanks to Credit Secure - Heloc is revolving


fused wrote:
One of the CRAs currently requires 60+K, EQ I believe.

Hmmm... they're showing my util as 1%, and if they're counting the HELOC, that would be $2700 out of $102K, so that should be more than 1%...

Oh well, not much point in staring at FICO chicken gizzards and tea dregs--guess I'll wait until the new higher balance reports. Won't be any guesswork then.
* 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
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concorduser
Posts: 6,026
Registered: ‎09-18-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

Who provides CreditSecure to Amex? Is it same as TrueCredit or is it offered by a different company?
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imducky
Posts: 3,432
Registered: ‎08-27-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving



concorduser wrote:
Who provides CreditSecure to Amex? Is it same as TrueCredit or is it offered by a different company?


tc is tu, cs is ex
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concorduser
Posts: 6,026
Registered: ‎09-18-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

Thanks Ducky. Does CS also provide the same inforamtion as TC provideds as 3 in 1 and other reporting features? In order to join CS do I have to have the Amex card? I am still waiting to get my Oasis card, I think I should have it in the next couple of weeks.
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imducky
Posts: 3,432
Registered: ‎08-27-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

very similiar, a little diff format. not a bad product, you do have to have amex to enroll. others have even tried using an amex gift card, no go.
 
the best dif between cs and tc is that cs isn't 24+1 like tc. with cs you can pull anytime the next day.
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fused
Posts: 16,373
Registered: ‎03-12-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

CS is cheap too, only $11.95 a month.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
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Re: I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

And it made it easy to spot why EX hates me, which is good.  And I know feel better to least understand what EX is doing, even if I can't do much about it other than get ridiculously high CLs.  Amex here I come (in 6 months  :smileyvery-happy:)
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And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

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