topic Re: Can you guess what's wrong with this picture? in General Credit Topics

Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 21:30:54 GMT

Now that's my kind of math!

Exp. It was 46% yesterday.

Re: Can you guess what's wrong with this picture?

Jnbmom — Sat, 31 Aug 2019 21:41:55 GMT

@GApeachy wrote:
Now that's my kind of math!
Exp. It was 46% yesterday.

Very strange math indeed 😯

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 21:43:25 GMT

@Jnbmom wrote:
Very strange math indeed 😯

No Joke! What gives?!?

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 21:58:56 GMT

Got alerted to a score drop.

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 22:09:29 GMT

So, would this be a good time for an app spree? Or should I wait for my scores to go to 850 in the morning? I mean, somethings in my favor (though wrong).....Lottery Ticket run.

Re: Can you guess what's wrong with this picture?

Anonymous — Sat, 31 Aug 2019 22:17:24 GMT

@GApeachy ... did the math with an old fashion calculator and came up with 46.75% DTI! How in the world did they come up with 6%? Never saw anything like that before.

Will go log in and see what gives with mine and report back.

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 22:22:01 GMT

Honestly think I broke something with all my changes here lately. I see smoke in their computer room. hahahahaha!!!!!

Re: Can you guess what's wrong with this picture?

Anonymous — Sat, 31 Aug 2019 22:31:22 GMT

@GApeachy... everything was as it should be and it scolded me for a DTI of 38% (told me I needed to pay my mortgage and installment loans down enough to achieve a monthly reduction of $120 and I would then be at 35% utilization).

Now looking at the inputs, can you access and adjust the expenses or the income? On mine I can and I looked at my Personal Budget Sheet for 2019 and made sure there was an alignment of information. My DTI is driven by a installment loan (car) payment and a mortgage as all the other credit is paid $0 with $14 (just enough to keep the scoring happy) reporting. Show 17 years for the oldest account and 9 years for AAoA.

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 22:31:49 GMT

Huh? where do I do that at? I hadn't done anything....this just pooped out a number today on it's own. Tell me what to do and I can try.

Re: Can you guess what's wrong with this picture?

GApeachy — Sun, 01 Sep 2019 01:49:03 GMT

hahaha, look! I only owe $756!

That's it! $756 / $135,000 x 100 = 6% Their computer is BROKE like me! I owe $60k and then some.

Re: Can you guess what's wrong with this picture?

Remedios — Sat, 31 Aug 2019 22:40:44 GMT

Any AU accounts?

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 23:00:43 GMT

Yes, Home Depot and Lowes, Venture and Discover are AU's.

MINE:

Synovus 75k bal. 58k loc "revolving"

CREDIT CARDS:

Cap1 Savor mine 0 but hasn't updated $5500 cl ($383 bal) it's really zero

Good Sam Visa $5k cl ($333 bal)

Discover $3k cl ($40)

@Remedios That's it, you are smart as all get-out! $756.00 So they dropped the LOC.

EDIT: Forgot to add Spark as AU too. None of the other Business tl's will report personally.

Re: Can you guess what's wrong with this picture?

Anonymous — Sat, 31 Aug 2019 22:51:28 GMT

@GApeachy wrote:
Huh? where do I do that at? I hadn't done anything....this just pooped out a number today on it's own. Tell me what to do and I can try.

In Experian you go to the Section that says "Reports & Scores" then to the "Financial Profile" and scroll down to an area that says"____ Estimated Debt-to-Income" which does allow for review of the information (drawn from your credit report for "expenses" and I supplied the "income" (don't remember what they had or where they got it but I updated). Now they are accurate!

You showed a screen shot on another post so you were in the right area.

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 22:56:11 GMT

@Anonymous wrote:
@GApeachy wrote:
Huh? where do I do that at? I hadn't done anything....this just pooped out a number today on it's own. Tell me what to do and I can try.
In Experian you go to the Section that says "Reports & Scores" then to the "Financial Profile" and scroll down to an area that says"____ Estimated Debt-to-Income" which does allow for review of the information (drawn from your credit report for "expenses" and I supplied the "income" (don't remember what they had or where they got it but I updated). Now they are accurate!

You showed a screen shot on another post so you were in the right area.

That didn't change anything. They were off by <30k> income. The expenses said $530. I added the 30k to income but it didn't change anything.

Re: Can you guess what's wrong with this picture?

Remedios — Sat, 31 Aug 2019 23:02:06 GMT

It's the AU accounts. Depending on where you look on EX website, they show them included in calculations, or they may not.

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 23:07:37 GMT

@Remedios

So today on, exp will no longer count my LOC?

Re: Can you guess what's wrong with this picture?

GApeachy — Sat, 31 Aug 2019 23:31:57 GMT

This loc is in Both of our names actually. And it's always been part of my utl%, even yesterday. (46%)

Re: Can you guess what's wrong with this picture?

Remedios — Sun, 01 Sep 2019 00:48:36 GMT

Was there a scoring change?

Re: Can you guess what's wrong with this picture?

GApeachy — Sun, 01 Sep 2019 01:42:50 GMT

@Remedios wrote:
Was there a scoring change?

I got an alert yesterday about a score drop (4 pts.) but the percentage was still 46%. Got another alert this morning about my credit freeze, so when I logged on I noticed the percentage had dropped. Could this have anything to do with a freeze?

Re: Can you guess what's wrong with this picture?

Remedios — Sun, 01 Sep 2019 01:47:39 GMT

No, freeze would not cause it