@elim wrote:
@LadyJEsq wrote:
@elim wrote:
@Anonymous wrote:
@elim wrote:sorry to post this here but need the input.
I am about to build a high-end desktop and would like another installment loan on my reports. Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts? All my spends are met and would rather have the thicker file than any rewards for the purchase.
They don't offer installment loans. Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.
thanks, i'll hit up my CU, I guess a 2k personal loan will look ok on my reports. my paid loans are all 1k or less and secured, lol.
If you already have installment loans on your CR, why do you feel that you need another to make your file "thicker?" Since you're a member of a CU, I would sit down with them and get their opinion on whether or not you actually need another installment loan on your file. I only say that because it seems that your profile has enough of a mix, so I'd go for the rewards with such a large purchase.
who's your credit union? they must be good. the people at mine are pretty clueless about credit files (i have talked to all of them many times). having a large unsecured installment loan on my file would probably give me better options in the future than just having 2 tiny share secured loans... IMO... rather than a 15th revolving line.
So sorry to hear that. It's not my CU, it's my Mom. Credit Union 1 here in IL. I don't know, maybe it's not the CU itself, but just this particular location.
@LadyJEsq wrote:
@elim wrote:
@LadyJEsq wrote:
@elim wrote:
@Anonymous wrote:
@elim wrote:sorry to post this here but need the input.
I am about to build a high-end desktop and would like another installment loan on my reports. Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts? All my spends are met and would rather have the thicker file than any rewards for the purchase.
They don't offer installment loans. Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.
thanks, i'll hit up my CU, I guess a 2k personal loan will look ok on my reports. my paid loans are all 1k or less and secured, lol.
If you already have installment loans on your CR, why do you feel that you need another to make your file "thicker?" Since you're a member of a CU, I would sit down with them and get their opinion on whether or not you actually need another installment loan on your file. I only say that because it seems that your profile has enough of a mix, so I'd go for the rewards with such a large purchase.
who's your credit union? they must be good. the people at mine are pretty clueless about credit files (i have talked to all of them many times). having a large unsecured installment loan on my file would probably give me better options in the future than just having 2 tiny share secured loans... IMO... rather than a 15th revolving line.
So sorry to hear that. It's not my CU, it's my Mom. Credit Union 1 here in IL. I don't know, maybe it's not the CU itself, but just this particular location.
nice!
there are 2 LO's at mine and they are trained to spot baddies and check the score (propriatary score) and that seems about it. also they are in the process of selling off 2 branches (that include the branch that is 1 block from my house) to a very small CU that has just passed vote to convert from federal to a state chartered CU. state chartered can charge more than federal % limits. there will no longer be a SEFCU branch in my state.
eh, the new CU may be better, never know :]
eh, the new CU may be better, never know :]
Sounds like they certainly can't be worse!
Good luck!
@B335is wrote:
Elim, the Newegg Preferred account is a Bill Me Later account. It doesn't report to CB. I have the business acct which was instant approved without a PG.
Hey thats better than a new reporting revolver! thanks B! Next you'll probably tell me it's a single TU pull?
edit: EX-11 EQ-10 TU-1
