topic Almost there... in Credit Cards

Almost there...

afbar1114 — Sun, 10 Mar 2013 01:11:18 GMT

I apped for BCE denied (sp) reason… your fico score is too low. Well that kinda felt like a good denial letter

Re: Almost there...

myjourney — Sun, 10 Mar 2013 01:14:45 GMT

What was your score

Re: Almost there...

afbar1114 — Sun, 10 Mar 2013 01:15:38 GMT

641

Re: Almost there...

myjourney — Sun, 10 Mar 2013 01:19:46 GMT

A little more time and im sure you'll be there...good luck

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 01:22:05 GMT

I think you need at least 720. 641 is borderline approval for their charge card.

Re: Almost there...

Repo-ed — Sun, 10 Mar 2013 01:34:07 GMT

when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 01:39:17 GMT

@Repo-ed wrote:
when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job.

Re: Almost there...

ObeyJohnny12 — Sun, 10 Mar 2013 01:44:16 GMT

Give it a few more months and you'll be golden for approval.

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 01:52:13 GMT

If it was experian, you now have 3 months of free daily report access. Congrats!

Re: Almost there...

seattletravels — Sun, 10 Mar 2013 02:20:37 GMT

@Repo-ed wrote:
when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.

Too funny. I haven't been on this board in since I bought my house a year ago - but I remember appbar.

Re: Almost there...

CreditChampion — Sun, 10 Mar 2013 03:01:06 GMT

Recon

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 03:02:48 GMT

@Anonymous wrote:
If it was experian, you now have 3 months of free daily report access. Congrats!

how do i do that if i have a denial letter, lets say for an auto loan? I think I have one.

Re: Almost there...

Datx — Sun, 10 Mar 2013 03:35:12 GMT

@Anonymous wrote:
@Repo-ed wrote:
when you have 246 open accounts and an AAoA of .25 months, your score is going to take a hit like that for a little while longer.
246 OPEN accounts?! HOW?
Paying those bills and sorting out those statements alone is like a full time job.

Your sarcasm meter is broken my friend, lol.

Re: Almost there...

LS2982 — Sun, 10 Mar 2013 04:09:18 GMT

@Repoed LMAOOOOO!!!!!

Re: Almost there...

WarJar101 — Sun, 10 Mar 2013 06:21:28 GMT

I would like to know this as well, where do you go annualcreditreport.com? Or to some Experian site?

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 06:26:31 GMT

if you want to know how to get your experian report for free after being denied credit go here: http://bit.ly/Xby9ik

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 06:31:37 GMT

How did you get your three Credit Scores?

Re: Almost there...

WarJar101 — Sun, 10 Mar 2013 06:31:54 GMT

It's amazing what Google can do. Thanks.

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 06:35:41 GMT

@Anonymous wrote:
How did you get your three Credit Scores?

You can't get any scores that way. I use creditkarma, i pay for usaa creditcheck monitoring. i pay for transunion monitoring. i have free monthly score from DCU and walmart. as you can see in my sig, the scores are all over the place. they are all slightly (hugely) different scoring algorithms. so IMO, the scores matter less than careful and strategic report management.

Re: Almost there...

Anonymous — Sun, 10 Mar 2013 06:37:56 GMT

Thank you. I've been working on cleaning up my and my wife's credit for 2 years now, and I'd like to know where we stand before applying for a home loan. (I like crunching the numbers ahead of time). However, I can't seem to find a place that'll give me all three credit scores (fake as they may be). Any suggestions? Should I just apply and see?