How to increase score

[armywifey85]

Thats BS theres only 5-10% from what the CRA's say  with 800 scores very few will rise past 775 .

[Anonymous]

with that gross income, why worry about FICO , pay CASH!!!!!!!!!!!

nice income level!!!

[Anonymous]

Wow- someone woke up an old thread-

Where my fellow mods did not know what a PFICO score was-

[fused]

Ha! Are u poking me with a pin there Mod? LoL! I remember this crazy thread, boy do I.

[Anonymous]

I am not going back and looking but the username started with an M not F.

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fused wrote:

Ha! Are u poking me with a pin there Mod? LoL! I remember this crazy thread, boy do I.

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Message Edited by Timothy on 02-28-2008 10:30 PM

[Anonymous]

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Tuscani wrote:

And only you can see soft inqs.

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Is this really the full story?

I once saw a rejection from Chase with the following reason, among others:

- Too many account review inquiries.

The paper TU copy from around the same time had a little note in the bottom, under the ection called

"Special Messages":

- input SSN has been used (0xx) times in the last (30) days on different inquiries,

- input current address has been used (0yy) times in the last (30) days on different inquiries.

In the above, the 0xx and 0yy where large numbers.

Correlating the Chase rejection reason with this special message, I have a feeling that Chase somehow used that info.

[Anonymous]

Ask your folks if they would ad you as a user to one or two of their credit card accounts. This will add their entire account history to your credit file and increase your score fast. Ofcourse, be sure they never missed a payment!!!! and use a card they have had for a long time!!! This is called "piggybacking"

[haulingthescoreup]

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@Anonymous wrote:
Ask your folks if they would ad you as a user to one or two of their credit card accounts. This will add their entire account history to your credit file and increase your score fast. Ofcourse, be sure they never missed a payment!!!! and use a card they have had for a long time!!! This is called "piggybacking"

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And it will work for approximately one more month and 26 days! (FICO 08 is due to kick in May 08.)

Maybe longer, because who knows how long it will take for it to be fully implemented...

[haulingthescoreup]

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@Anonymous wrote:

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@Tuscani wrote:

And only you can see soft inqs.

---

Is this really the full story?

I once saw a rejection from Chase with the following reason, among others:

- Too many account review inquiries.

The paper TU copy from around the same time had a little note in the bottom, under the section called

"Special Messages":

- input SSN has been used (0xx) times in the last (30) days on different inquiries,

- input current address has been used (0yy) times in the last (30) days on different inquiries.

In the above, the 0xx and 0yy were large numbers.

Correlating the Chase rejection reason with this special message, I have a feeling that Chase somehow used that info.

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OK, now, this is REALLY interesting! I'm going to try to find out some more about this.

[MidnightVoice]

Frpm TU

http://www.creditplus.com/docs/TU_HighRiskFraud_Overview.pdf

High Risk Fraud Alert

High Risk Fraud Alert plays an advisory role by issuing warnings

about information that appears to be genuine but, in reality,

may be questionable. These warning messages focus on highrisk

addresses, Social Security Numbers and phone numbers to

help reduce fraud, protect consumers and lower risk on both

potential and existing accounts.

High Risk Fraud Alert uses one of the industry’s most complete

national files of potentially fraudulent information and is

available as an add-on to most TransUnion solutions or as

a stand-alone tool.

Inquiry history draws upon our extensive system intelligence

of address and Social Security number usage to determine

if there has been an excessive number of inquiries within

a certain period of time.