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Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
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Re: which credit beaureu is the hardest



haulingthescoreup wrote:

fused wrote:

haulingthescoreup wrote: I thought EX and AmEx were cozy--why wouldn't EX report?
They both blame the other. What I really want are the the two old ones to report and just forget about the blue card. I have the feeling if the two oldest report, my scores will go up quite a bit...just in time before I start apping again for a mortgage.
Does this mean no Guam relocation?

I'm looking at spring 08 and it would most likely be Guam. If I relocate my family there I will be on these forums just as much as I am now...just different times.
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
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Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: which credit beaureu is the hardest


fused wrote:
I'm looking at spring 08 and it would most likely be Guam. If I relocate my family there I will be on these forums just as much as I am now...just different times.
Housing's gotta be cheaper, right? I have to admit my almost total ignorance of Guam, other than nature programs featuring tons and tons of seagull doots. And heat, serious heat.
* 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: 16,375
Registered: ‎03-12-2007
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Re: which credit beaureu is the hardest



haulingthescoreup wrote:

fused wrote:
I'm looking at spring 08 and it would most likely be Guam. If I relocate my family there I will be on these forums just as much as I am now...just different times.
Housing's gotta be cheaper, right? I have to admit my almost total ignorance of Guam, other than nature programs featuring tons and tons of seagull doots. And heat, serious heat.


average price of home on Oahu is 650K+. For this price it's a usually a small fixer-upper less than 1,500 sft and a lot smaller than 5,000sft. In Guam I can buy a brand new custom built 4bd/3ba full concrete house including the roof (Guam is in the western pacific's typhoon belt) on a half acre of land for less than 300K.
 
But it is very hot and verrrrrrry humid in Guam year round. This is what my family and I have to look forward to at 8:15 a.m. Chamorro Standard Time. I doesn't look right!
 

Current Conditions

Updated: 13 sec ago

Observed at: Jeffs Pirates Cove, Ipan Talofofo, Guam
Elevation: 13 ft / 3 m
92.1 °F / 33 °C
Clear
Humidity: 90%
Dew Point: 89 °F / 32 °C
Wind: 0.0 mph / 0 km/h from the NE
<SCRIPT> window.wind_animate['CONDBOXWIND']=new WindRotate("condboxArrowDiv",14,36); </SCRIPT>
Wind Gust: 1.0 mph / 1 km/h
Pressure: 29.81 in / 1009.4 hPa (Rising)
Heat Index: 134 °F / 57 °C
Visibility: 10.0 miles / 16.1 kilometers
UV: 3 out of 16
Clouds: Clear -
(Above Ground Level)
Aviation
Flight Rule:
VFR (PGUM)
Wind Speed: 1.0 mph / 1.6 km/h / 0.4 m/s
Wind Dir: 36° (NE)
Ceiling:
Unlimited
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 Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: which credit beaureu is the hardest

Yep - Guam is NASTY in the summer.
100+ w/ 90% humidity gotta love those typhoons though
Contributor
Posts: 86
Registered: ‎09-09-2007
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Re: which credit beaureu is the hardest

If you have lates, you are doomed with EQ until they get some age on them, or you can GW (goodwill) them off.

That makes sense to me,  My Equifax is  STUCK at 613,while   TU and EX  are 685 and 690 respectively and I cant see the difference in my reports.
Established Contributor
Posts: 716
Registered: ‎06-03-2007
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Re: which credit beaureu is the hardest

[ Edited ]
EQ used to be my ally, now it's my nemisis.
 
TU used to be my lowest, now it's my highest.
 
Go figure.
 
 


Message Edited by Anderson on 10-30-2007 06:19 PM
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