Authorized user versus own TL

[09Lexie]

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@myjourney wrote:

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@Creditaddict wrote:

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@myjourney wrote:

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@Creditaddict wrote:

I think we should be careful saying adding accounts will lower score... I have only had my score go up as I add accounts... I have also been cleaning and older stuff has been coming off at same time so I don't argue that adding accounts was the only reason for increased score but I don't think a blanket "it will lower your score" is a good statement either.

What are the baddies and what are they suggesting you do abou tthem?

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So your saying the VA loan person is wrong and they should go apping ...really now 

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not what I said at all... I'm saying I think a flat statement that applying lowers your score can be a false statement at least I have found that for me.

stop trying to pick fights with me, it's glogging up the post so it's hard to follow questions.

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1) your credit was rock bottom and could only go up

2) this is a mortgage case and no one should app within 6 months of that NO ONE

3) Trust me I am in no way trying to pick a fight with you but I will correct you when you give out bad info as you attempt to throw BLANKET STATEMENTS out in certain directions ....

4) I've seen you talk down to people all day maybe it's your tone ....check it or I will ....sorry 

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Let's remember we are here to offer advice and give support.  Keep that in mind when responding to any post. 

Thank you.

Lexie, myFICO Moderator

[Creditaddict]

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@myjourney wrote:

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@Creditaddict wrote:

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@myjourney wrote:

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@Creditaddict wrote:

I think we should be careful saying adding accounts will lower score... I have only had my score go up as I add accounts... I have also been cleaning and older stuff has been coming off at same time so I don't argue that adding accounts was the only reason for increased score but I don't think a blanket "it will lower your score" is a good statement either.

What are the baddies and what are they suggesting you do abou tthem?

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So your saying the VA loan person is wrong and they should go apping ...really now 

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not what I said at all... I'm saying I think a flat statement that applying lowers your score can be a false statement at least I have found that for me.

stop trying to pick fights with me, it's glogging up the post so it's hard to follow questions.

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1) your credit was rock bottom and could only go up

2) this is a mortgage case and no one should app within 6 months of that NO ONE

3) Trust me I am in no way trying to pick a fight with you but I will correct you when you give out bad info as you attempt to throw BLANKET STATEMENTS out in certain directions ....

4) I've seen you talk down to people all day maybe it's your tone ....check it or I will ....sorry 

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well it's typing... I don't kno how to change my tone in a text.

and I was saying the blanket statement of applying for credit lowers a credit score was maybe not a true statement... I didn't give a blanket statement that applying for credit will increase score!

now, I will never disagree with not applyign for anything when a mortgage is around the corner!

[Brandon1972]

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@credit-hunter wrote:

HI can you tell me is that progam from the VA /Government Agency or outside vendor i did'nt see that program at my local VA?....thanks

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It's called Veterans United Lighthouse Program.  

[Brandon1972]

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@Creditaddict wrote:

What are the baddies and what are they suggesting you do abou tthem?

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I have a couple things on my CR but it's mainly my wife who has alot of medical collections and other collections which are reporting on a regular basis.  They basically want us to PFD if possible, PIF or settle as a last resort. He wants these collections to stop reporting.

[Creditaddict]

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@Brandon1972 wrote:

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@Creditaddict wrote:

What are the baddies and what are they suggesting you do abou tthem?

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I have a couple things on my CR but it's mainly my wife who has alot of medical collections and other collections which are reporting on a regular basis.  They basically want us to PFD if possible, PIF or settle as a last resort. He wants these collections to stop reporting.

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I would start with medical as you have a great chance that they won't put up a fight to PFD, other collections I have had about a 2% success coming across any that will PFD but I do read it on the boards so it's always worth trying!

yeah pretty sure for mortgage they just need them all closed out in some form (paid, settled, whatever but closed and nothing due!)