topic Re: How I got credit database..Up and running!!(waiting for permission) in Credit Cards

How I got credit database..Permission Granted!

ralbusta — Wed, 03 Sep 2008 01:25:49 GMT

I'm creating a database so that we can track our apps, approvals, scores at app time. Kinda like the one at that other site that we can't link to here.

I think it would be helpful for everyone here.

I will throw a link up as soon as its ready. If anyone has suggestions as to what to include, I'll monitor the responses on this thread.

Message Edited by ralbusta on 08-20-2008 10:44 PM

Message Edited by ralbusta on 08-20-2008 10:44 PM

Message Edited by ralbusta on 08-23-2008 10:03 PM

Message Edited by ralbusta on 08-24-2008 12:27 PM

Message Edited by ralbusta on 09-02-2008 06:25 PM

Re: How I got credit database..?

Anonymous — Thu, 21 Aug 2008 06:25:52 GMT

I would like to see all the columns you would see on whogavemecredit, and the other one we must never speak of. Which btw, I like its search parameters. Maybe its something about the UI. Also, if we could have a column giving the opportunity to list INQ/baddies. That would be helpful, and I am more than willing to share my dirt. We are all here for the same things in common, so I dont see it being an issue.

Re: How I got credit database..?

Math_Rocks — Thu, 21 Aug 2008 14:41:19 GMT

Since this would be geared toward MF users and most of us are willing to be open, I think that having a spot where we enter overall utilization would be good. I know that we don't want it to be cumbersome, else people won't put in the information, but I think to really maximize productivity, it should include:

Date of app
Specific card applied for
Scores at time of app (only if real FICO's)
HHI
Overall CC utilization
Negative history (quick summary, e.g. BK 7 06/2001, no lates since)
CB pulled ------- it would be great if this could be modified later, i.e. we could put in everything above and then add this when we figure out what was pulled
Approval/rejection decision (either CL & rate or reasons for decline)

Note: reasons for decline would be another item to be updated later

Thanks for looking into this!

Re: How I got credit database..?

MsKiwi — Thu, 21 Aug 2008 15:01:19 GMT

ralbusta wrote:
I'm creating a database so that we can track our apps, approvals, scores at app time. Kinda like the one at that other site that we can't link to here.

I think it would be helpful for everyone here.

I will throw a link up as soon as its ready. If anyone has suggestions as to what to include, I'll monitor the responses on this thread.

Message Edited by ralbusta on 08-20-2008 10:44 PM

Message Edited by ralbusta on 08-20-2008 10:44 PM

If listing baddies to have people state what kind of baddies such as lates, co's, judgements a more complete list of baddies instead of just the # of baddies listed. This would help some people decide if an inquiry is worth the app. To me the number of baddies doesn't give the full picture, a 30 late is not nearly as harmful as a pr.

Re: How I got credit database..?

_andClimbing — Thu, 21 Aug 2008 17:35:55 GMT

In terms of interface, the thing that bugs me about wgmc is the single variable search criteria. I'd like to see a more advanced input form and search functionality that allows the user to specify/search on:

- applicant's state
- method of application (in store, on line, phone, preapp. offer, etc.)
- bk (y/n)
- CRA(s) pulled
- creditor name
- utl %
- FICO score(s) from pulled CRA(s)
- recent derogs (any lates within last 2 yrs - yes/no)
- Total # of lates on pulled CRA(s)
- Recency of lates on pulled CRA(s) - (how long ago was most recent late payment)
- Major Derogs (yes/no)
- Type of Derog (if applicable)
- Recency of derog
- approved (yes/no)
- CL
- annual fee (y/n)
- APR (in ranges)
- length of cred history
- average age of accounts
- Age of most recently opened account
- Number of accounts open within the past 12 months
- Number of inquiries within past 12 months

It would be great if the input form could be intelligent - to logic check things like bk = yes, but Major derog = no. If building the search functionality is too much, maybe a reasonable alternative would be to build in a simple "Export to spreadhseet" so I can just set up my own filters. Leave it to me to try to over-build something, but if you ask me for a wish list, I'll shoot for the moon. Good luck!

Re: How I got credit database..?

_andClimbing — Thu, 21 Aug 2008 17:37:49 GMT

I forgot "# of accounts with balances" and "total # open tradelines."

Re: How I got credit database..?

Anonymous — Thu, 21 Aug 2008 19:56:51 GMT

I would be willing to give my information to be input into the database!

Re: How I got credit database..?

ralbusta — Fri, 22 Aug 2008 16:12:53 GMT

I will try to implement everything that everyone is suggesting, just give me some time. This looks like it's going take a little while to get all that included.

Re: How I got credit database..?

Anonymous — Sat, 23 Aug 2008 04:23:03 GMT

"would see on whogavemecredit, and the other one we must never speak of"

this is the 2nd time someone has posted about this site that no one can mentioned by name....now i'm curious to what it is....can some PM me the site please....if that is ok....i hope i am not going against any forum rules....but it has me wondering!

Re: How I got credit database..?

haulingthescoreup — Sat, 23 Aug 2008 04:38:35 GMT

For any baffled members, there are certain credit repair forums that do a lot of unethical (by myFICO's definition) manipulation of reports. We don't publish links to these sites, even when they have something useful on them.

Doubtless someone will rescue molly soon!

Re: How I got credit database..?

Anonymous — Sat, 23 Aug 2008 04:42:12 GMT

ohhhhh....it's another forum.....ok.....i was thinking it was another site like wgmc......a place to get info....but no interaction like what we have here

Re: How I got credit database..Up and running!!

ralbusta — Sun, 24 Aug 2008 05:56:46 GMT

Ok, the database is partially up and running. You can add info and view all info. No searching or updating yet. Try it out. I already included two of my recent apps. Any errors or questions or suggestions. send me a pm or email at [removed]

Heres the link:

[removed}

Hope everyone gets use out of this!

Message Edited by ralbusta on 08-23-2008 10:02 PM

Message Edited by Timothy on 08-23-2008 10:56 PM

Re: How I got credit database..Up and running!!

Anonymous — Sun, 24 Aug 2008 05:58:23 GMT

You are going to need the permission of the admin's (Barry) to actually post these links.

He will need to approve.

Re: How I got credit database..Up and running!!(waiting for permission)

ralbusta — Sun, 24 Aug 2008 19:26:47 GMT

I've asked for permission to post the link. I'll put it back on as soon as I can.

Re: How I got credit database..Up and running!!(waiting for permission)

MidnightVoice — Sun, 24 Aug 2008 19:42:12 GMT

ralbusta wrote:
I've asked for permission to post the link. I'll put it back on as soon as I can.

Got any helpful search terms?

Re: How I got credit database..Up and running!!(waiting for permission)

ralbusta — Sun, 24 Aug 2008 20:03:53 GMT

It's not coming up on Google yet .

--Any idea Barry (If you're out there) if I'll be able to post this link?

Message Edited by ralbusta on 08-24-2008 01:03 PM

Re: How I got credit database..Up and running!!(waiting for permission)

ralbusta — Wed, 27 Aug 2008 20:21:02 GMT

For the benefit of everyone asking for the link:

I can't pm the link until I get permission, but if you pm your email address, I can email the link to you.

And just to let you know since the link wasn't up on the forums for that long only three people put their info on it.

Barry did let me know that he'll review it, so he'll let me know as soon as he has done that.

Thanks for the interest!!

--PS its not coming up on google yet, but i did submit the site so hopefully that'll happen soon also!

Re: How I got credit database..Up and running!!(waiting for permission)

Anonymous — Wed, 27 Aug 2008 21:56:37 GMT

give it some time to get picked up by google.....it use to take 4-6 weeks (sometimes much longer) for the google bots to come around and pick up on your site.....now it can take about 2-4 days. in the tags of the site....put in those keywords you think people would be looking for....also make the copy keyword dense......i remember your site, but i think i did not see a page or a paragraph that talks about what the site does....this would be a good place to mention all those keywords too (all the things ur site offers...and it's goal)..but don't make it spammy or just repeating keywords...google hates that with a passion...run it like a biz & try to get those top spots......then you can start throwing ads on there from google and try to make a little money at the same time

also....submit it to dmoz.....that is a great directory that other search engines use.
u may want to also offer reciprocal links on your site....have a page of suggested links & trade with others....ones that are in the same subject as the site...this will help with traffic and with ranking.

best of luck!

Message Edited by molly73 on 08-27-2008 04:56 PM

Re: How I got credit database..Up and running!!(waiting for permission)

jbh — Wed, 27 Aug 2008 22:44:47 GMT

Get it on sitepoint.com or any major (with permission) content site that is indexed all the time and you'll be in.

Another trick is webwire.com for news releases. That said, I always wanted to build one but you saved me a bunch of time

Re: How I got credit database..Up and running!!(permission granted)

ralbusta — Wed, 03 Sep 2008 02:14:40 GMT

Barry has given me permission to post the link so here it is:

http://howigotcredit.x10hosting.com

It wasn't up for long last time so there's only three apps on there, but hopefully everyone will find use out of this and over time it'll grow into a great resource.

Any questions or comments send me a pm..suggestions on how to improve the site are always welcome.

I'll get back to work on the search engine now..

Message Edited by ralbusta on 09-02-2008 07:14 PM