@Anonymous wrote:
@BmoreBull wrote:
@Anonymous wrote:Now that I know, my utilization will be reporting 0% next week.
If by 0% , you mean all your cards will be paid to report 0, don't do it. You'll get the all 0 penalty and lose points. Let one card report at least a small balance under 8.9%.
Omg. Thank you for telling me. I didn't know that could happen.
Oh yea, it sure does. They punish you for not using credit as well as using too much.
The first score looks like something from a secondary bureau or an internal score. FiCO has a minimum of 300 and nobody is really that low. The second score looks like a FiCO but I will put dollars to donuts that it is a VantageScore. Only VantageScore even cares about having a dedicated line asking for a mortgage. Also high limits might be Sephora being considered a elevated brand and requiring a minimum that you did not reach would show a problem.
You have some cleaning to do as well as looking at which lenders are willing to bump your limits as you are using quite a bit. Not sure if you are in the toy area or just abusing your larger lines. A lender can change the way they get the application through between applications.
Yeah, I have been trying to get an Ulta card for quite a while. It's become my white whale at this point. BTW, the score I got in my denial letters from them was similar. They are calling it a "Behavioral Risk Score." I think this is a score Comenity came up with themselves. Ulta keeps pulling Experian for me. The denial reasons in my letter were "credit established before the age of 18" and "first payment not received on one or more trades." I am working on getting my Experian fixed (currently suing them) and I'll re-apply after that is taken care of.
@Anonymous wrote:My sage stream "credit report" came today. On a scale of 001-999 my score is a 424.
The reasons are:consumer associated with phone changes
number of subprime finance inquiries
number of inquiries
limited history for consumer at this phone
inquiries did adversely impact score
I would start disputing any inaccurate information on that report immediately, including old phone number, addresses, misspelled names, and even inquiries that you do not recognize.
@Anonymous wrote:They didn't show me any of the actual info that they have so I don't know what or how to dispute.
Did you order your SageStream credit report or did you just order your SageStream score? You have to contact Sagestresm directly (which can be done online) to orfder your full credit report from them. It will list varations of your name, phone numbers, email addresses, inquiries, and not too much else. I think mine is maybe 2 pages.
