Consider NASA...questions

[Anonymous]

I just got the letter from nasa.  They used the fake experian plus score for me.  It was a softpull.  I know forma fact bc i have the experian service and it matched exactly the experian plus score.  My real fico experian was way lower about 640.

[gh17]

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@gh17 wrote:

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@Burned2manybridgesB4 wrote:

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@gh17 wrote:

So I'm just curious but don't feel like reading the thread..

Anyone have a quick answer for how on earth this question generated 78 pages of responses?

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Many conversations merged into one, so the Mods could contain it.

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So I actually did read several pages out of curiosity.  This looks similar to the Duck card phenomenon a while back?

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Never mind looks like I'm not at all the first to mention that.. leaving this thread now.

[Anonymous]

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@lhcole77 wrote:

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@Anonymous wrote:

LOL, Im hesitant bc of my scores and  I just like reading the "approved" comments.  I think Im going to wait until end of the month when my CR update.  I may just throw the $5 to them now a join.

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I would be cautious about applying for this card (and others) with the scores posted in your signature. I think you'd improve your chances of approval with a decent limit and terms if you waited until your scores were higher.

Do you have any baddies on your report?

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I have a few late payements on my CapOne and Nelnet.

$2200 balance on my CapOne (last reported at $2500)

A PIF CO from BoA that was sent to PRA
A fraudulent tax lien that has been deleted from EX and EQ so far, just waiting on TU tu update (havent received a score bump yet from the deletions)

Thats all I have.  I just got approved for NavCheck and a CashRewards card for a new total of $4k in new TL's, but neither has reported yet.  Also my EQ was 622 before the approvals

[lhcole77]

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@Anonymous wrote:

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I have a few late payements on my CapOne and Nelnet.

$2200 balance on my CapOne (last reported at $2500)

A PIF CO from BoA that was sent to PRA
A fraudulent tax lien that has been deleted from EX and EQ so far, just waiting on TU tu update (havent received a score bump yet from the deletions)

Thats all I have.  I just got approved for NavCheck and a CashRewards card for a new total of $4k in new TL's, but neither has reported yet.  Also my EQ was 622 before the approvals

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Gotcha. Wishing you best of luck. Fingers crossed you get a nice bump from lien deletion.

What will your UTL be at after new cards report?

[Spikenit]

Finally got my credit card...which was preceded by my membership cards, BT Checks and EX score. I was Instant Approved on 9/21, then Funded on 9/23. I live close to the West Coast (maybe why mine came a little later than others).

[Involver]

Must've batched a huge shipment, I got mine today as well.

Also NO they do not use an Experian Plus score. It's Experian Fair Isaac Risk Model v2. Aka EX04.

[Anonymous]

Thanks!

If they report before my CR updates:

$179/$800 - Secured Visa

$2283/$3000 - CapOne

$0/$500 - cash Rewards

$0/$3500 - NavCheck

$2,462/$7800 = 31% or 32% UTL  (I think I did the math right)

If I can get the NavCheck to become active this week I plan on paying off the entire amount of the CapOne before it reports, if thats the case:

$179/$800

$0/$3000

$0/500

$1217/$3500

$1396/$7800 = 17% UTL (again, I hope the math is right, lol)

It may be even lower than this bc I hope to pay back at least $800-$1k back to the NavCheck on the 21st or 22nd of this month.  If I can pay $800-$1k the UTL will be less than 1% before reporting. 

Someone feel free to correct me if Im wrong with my math. Also, I hope by end of the month TU will finally update and remove the tax lien I just pray that TU is the reason I havent recieved a bump from the tax lien, it is 3 years old tho.

[lhcole77]

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@Anonymous wrote:

Someone feel free to correct me if Im wrong with my math. Also, I hope by end of the month TU will finally update and remove the tax lien I just pray that TU is the reason I havent recieved a bump from the tax lien, it is 3 years old tho.

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Math looks good. Always safer to round up on UTL (IMHO).

Again, if it were me, I would get UTL as low as possible before app and make sure reports are as clean as possible. Seems like you're on the right track with that for sure!

[Anonymous]

Yeah, Im def gonna wait until 1st week if Nov.  I'd probably pass out if I get approved for $30k, but I know thats not gonna happen any time soon. For CLs like that, they base it off income right?

[lhcole77]

Income is factored in with score and credit profile