Reply
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: I know understannd why EX hates me thanks to Credit Secure - Heloc is revolving

50K will also

fused wrote:
 > 60K should guarantee it!



Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

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
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

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 (03-26-2015): EQ 814, 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: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

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
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

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?
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
0

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
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

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.
Senior Contributor
Posts: 3,432
Registered: ‎08-27-2007
0

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.
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

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 (03-26-2015): EQ 814, 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: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
0

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:)
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.