General Credit Topics

myFICO® Forums

When to close a CC Account.

by on Latest post on by

6 Replies 781 Views

6 Replies

781 Views

What AoOA and AAoA will change my rating from Fair...

by on Latest post on by

3 Replies 830 Views

3 Replies

830 Views

Would Like to Add a Third CC, but unsure when to d...

by on Latest post on by

20 Replies 1157 Views

20 Replies

1157 Views

Score increase but decrease in AaOA

by on Latest post on by

7 Replies 1487 Views

7 Replies

1487 Views

Experian AAoA Confusion

by on Latest post on by

9 Replies 2212 Views

9 Replies

2212 Views

At what year does a card’s age become the maximum ...

by on Latest post on by

3 Replies 1194 Views

3 Replies

1194 Views

Cool Data to Share this Month - NFCU SSL, AU (Citi...

by on Latest post on by

6 Replies 2542 Views

6 Replies

2542 Views

FICO vs. FAKO - AAoA Difference?

by on Latest post on by

3 Replies 1002 Views

3 Replies

1002 Views

Question about secured card and AAOA

by on Latest post on by

10 Replies 1697 Views

10 Replies

1697 Views

Help: AAOA Timeline, Effects on Score

by on Latest post on by

5 Replies 1548 Views

5 Replies

1548 Views

Does closing your most recent account raise back u...

by on Latest post on by

1 Reply 700 Views

1 Reply

700 Views

Friend in need of Debt Consolidation Loan **

by on Latest post on by

1 Reply 1893 Views

1 Reply

1893 Views

Labels

0 1
0% 1
10 years to collect 1
1037 1
1099-C 4
18 2
180 day grace period 1
19 1
19 year old 1
2022 1
30 day 1
30 day late 5
401K 2
524 Rule 1
605B 1
700 club 3
800 4
850 1
850 FICO 2
AAFES 1
AAOA 12
Aaron's 1
access checks 1
Account 2
account closed 4
account closure 1
account clouser 1
account management 1
Account Number 1
Account Status 1
ACH 1
Acquiring new cards 1
acquisition of cash back 1
acquisition of points 1
active duty 1
address 4
address change 2
Advanced Resolution Services 1
adverse accounts 1
Adverse Action 2
Advice 6
advice needed 3
Affinity FCU 1
Affinity Federal Credit Union 1
Affinity preapproval 1
affirm 4
age 2
age Credit closing card 2
Airline status 1
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 2
alien 1
Alliant 3
Alliant CU 1
ally 1
Ally Financial 2
amazon 2
Amazon Prime Rewards Visa Signature 1
amazon store card 2
Amazon Synchrony 1
American Express 13
american express platinum 1
americanexpress 1
amex 18
Amex 3xCLI 2
amex affecting fico score 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
AMEX cards 3
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex credit limit 1
Amex Delta sky miles 1
Amex Gold 5
Amex Green Card 1
AMEX loan 1
amex platinum 3
Amex scoring 1
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 2
annual credit report 3
annual fee 2
anxiety 1
AOD FCU 1
apartment 1
Apartment Renting 8
app 3
App Spree 57
App spree Approvals Gardening 2
Apple 3
Apple Card 1
Apple Card Approval 1
Apple Card CLI 1
apple changing rules 1
AppleCard 1
Application 3
Application approval 2
Application Help 2
application rules 1
Applications 2
applying 2
Applying for an American Express business card 1
approval 5
Approval odds 6
Approvals 4
Approved 2
approved cli 1
APR 7
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
Ars 2
assessed fees 1
AT&T 1
att 2
attorney 1
AU 7
AU anti-abuse 1
Authorized Buyers 1
Authorized User 47
Authorized User AMEX can also hurt you score 1
Authorized user is filing for BK 1
Authorized User. SSL. Auto Loan. 1
Auto CLI 1
auto insurance 1
Auto lease 3
Auto Lending 2
Auto Loan 20
auto loans 6
Auto purchase 4
Auto refinance 6
Auto repo 1
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 11
AZEO and hope to leapfrog to better things :) 3
Backdoor 1
Backdoor number for Recon 1
Background Checks 1
bad credit 4
balance 6
balance chasing 1
balance decrease 1
Balance Reporting 5
balance tracking 1
Balance transfer 51
bank cards 1
Bank of America 12
bank trust 1
Bankcrupties Credit 1
Banking 19
Banking relationship 1
bankruptcy 25
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 6
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 3
BB&T Spectrum Cash Rewards 1
BBVA 1
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Buy Visa Citi 1
Best Egg 2
BEST LINES OF CREDIT 2
bill 4
bill pay 1
Billing 1
billing cycle 1
billing error 1
Bilt Mastercard 1
bk 2
Bk 13 1
BK7 1
Black Market Surveillance 1
blanace transfer 1
BMW 1
bnpl 2
BOA 7
BOA Travel Rewards Approved 2
BofA 4
boost 2
boost score 1
bounced check 1
breach 2
Bread 1
bring balance $0 after 30 days late 1
Brokerage Account 2
Budgeting 7
build credit 3
build credit fast 1
Building 2
building credit 13
bureau 1
Bureau reporting 7
Bureaus not reporting credit lines 4
business credit 1
Business Credit From Scratch 1
Business Credit Reporting Agencies 1
Business Credit Reports 1
business line of credit 1
Calculation 1
Can I get back in DCU 1
cancel credit check total 1
Cancellation of Debt 2
Cap 1 3
Cap One 6
cap1 3
capital 1 1
Capital One 32
Capital One CLI 1
Capital one QS 1
Capital One Venture X 1
capitalone 2
capone 1
CapOne Platinum 1
car 4
Car buying 1
Car Insurance 1
Car Loan 9
car note 1
Card 3
Card Acquisition Risk Score 1
Cardholder agreement 1
cards 4
Care Credit 2
Care Credit CLI 1
CareCredit 1
Carrying high balance 2
CARS 2
cash 1
cashback 2
casino 1
casino credit 1
CB 1
CB reporting 2
CBR 1
cc 3
Cc charge off 2
cc report 1
CC Utilization 5
ccredit cards 1
Cct 9
certegy 1
Certified mail 1
CFA 3
cfpb 4
chapter 13 1
chapter 7 1
Chapter 7 discharge 1
charge card 1
charge cards 1
charge off 19
Charge offs 17
Charge-off 5
Chargeback 1
Chargeoff 2
chargeoff paid 1
Charges 2
Chase 28
Chase Amazon 1
Chase Approval 1
Chase bank 2
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Ink 1
Chase login 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 3
checking accounts 3
checking line of credit 1
checking plus 1
checks 1
Chevrolet 1
chex 1
Chex systems 2
Chexsystem EWS Credit 1
chexsystems 7
child credit score monitoring 1
child support 2
Child Support Score Reporting 3
children 1
chime credit builder 1
citi 4
Citi AAdvantage 1
Citi Best Buy 1
Citi Diamond 1
Citi Simplicity approval 1
Citi Website 1
Citibank 6
Citizens bank 1
citizens one 1
Civil Judgement 1
cleaning up credit 1
cli 3
Cli and new card 1
CLI Capital One 3
cli discover approved 1
CLI increase 2
CLI Synchrony 1
CLIs 3
cloc 2
Close 1
closed 1
closed account 1
closed accounts 7
closed by credit grantor 1
closed credit card 7
Closing 2
closing accounts 3
closing cards 2
closing credit accounts 2
CO 3
CO account 1
Co-sign 3
Collecting 3
collection 11
collection account 7
Collection Agency 28
collection agency scare tactics 1
collection falsely reported 2
Collection Letter 5
collection removal 2
Collection reported in error 5
collection reporting 1
collections 42
Collections agency 2
Collections HELP 21
Collector verify debt letter 1
collectors 1
college 2
comcast 1
Comcast collection 1
Comenity 7
Comenity Bank 4
comparison 1
Complaint 5
conflicting information from creditors 1
consolidation loan 3
consumer complaint 1
consumer finance 5
consumer reports 4
Consumer statement 2
Contacting current creditors 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Court 1
COVID-19 1
Cra 6
cra reporting 4
CRA's 3
CRA’s 1
credit 58
Credit & loan qualification 233
Credit advice 1
Credit age 3
credit alert 3
Credit application 3
Credit applications 2
Credit Approval 35
credit approvals 3
credit builder loan 2
credit building 9
Credit bureau 38
Credit Bureau Policy Changes 11
Credit bureau reporting 12
Credit Bureau Score Cards 3
Credit bureaus 12
Credit Card 108
credit card application 1
Credit card applications 7
Credit card applications credit cards 6
credit card approval 2
credit card approvals 2
Credit card car 1
Credit card closed 3
Credit Card Consolidation 8
credit card debt 9
Credit Card Dec 2
Credit card denial 1
credit card fraud 1
Credit Card Instant Approval 1
Credit card networks 2
credit card offers 2
credit card payment 2
credit card payments 5
Credit Card Payments to CR 3
Credit card processing fees 1
credit card reporting 1
credit card reporting collections close account 2
Credit Card Rewards 3
credit card utilization 4
credit cards 38
Credit cards payoff 1
Credit Check 3
credit check total 8
credit check total reviews 1
credit check total scam 1
credit checks 3
credit counseling 2
credit denials 2
credit disputes 6
credit diversity 1
credit drop 2
Credit education 116
credit file 3
credit files 1
Credit fix 1
Credit Fraud 17
Credit freeze 10
credit help 1
credit history 13
Credit improvement 3
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 8
credit journey 1
credit karma 12
credit knowledge 1
Credit Limit 16
Credit limit increase 36
credit limit increases 1
Credit line 1
credit line increase 1
Credit Line Increase. 3
Credit Line Increase. Upgrade 1
Credit Lock 2
credit management 2
credit managing 4
Credit Mistakes 4
credit mix 5
Credit monitoring 85
Credit one 2
credit one bank 2
credit one closed 1
credit plateau 1
credit problems 2
credit pull 2
Credit rebuild 18
credit rebuilding 5
Credit Repair 21
credit repair help 7
credit report 63
Credit Report investigation 11
Credit reporting 85
Credit Reporting Agency 10
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 5
Credit reporting questions 1
credit reports 20
Credit reports collections 10
Credit Reports Updates 2
credit repot 1
Credit requirement 1
credit score 75
Credit score decrease 7
Credit score fluctuations 11
credit score increase 3
Credit Score Management 5
credit scores 24
credit scores dropping 8
credit scoring 5
credit scrub 1
CREDIT SEEKING 1
Credit sesame 2
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 13
Credit Union Eligibility 1
credit unions 6
credit usage 1
credit utilization 7
creditcard 1
creditcards 2
creditcardsdenial 1
CreditKarma 2
creditone 1
Creditor 5
creditor thread 1
creditors violating FDCPA and FCRA 1
creditreport 1
creditscore 4
creditt 1
creditwise 2
Cross Border Payment 1
CSP 1
Customer Service 7
customer trust vs. lender trust 1
Dark web 1
Dark web monitoring 1
Data Breach 2
data breach settlement 1
data furnisher 1
data point 3
data points 1
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 18
debt collection 9
debt collector 4
debt consolidation 5
debt free 3
Debt Management 333
Debt Paydown 10
debt payoff strategies 1
debt reorganization 1
debt repayment 2
debt revived 1
debt SOL 1
Debt to Income 9
debt validation 2
deceased debt 1
decrease 2
default 1
defaults 2
Deferral 1
delete 1
delete items off credit 1
Deleting court records 1
delinquency 6
Deliquent payments 3
Denial 3
Denied 1
denied due to many inquiries 2
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 5
Derogs 1
diamond 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 11
Discover balance transfer 1
DISCOVER CLI 3
Discover Home Loan 1
Discover IT 3
Discover IT Approval 1
discover personal loan 1
Discover secured 2
discrepancy 2
dispute 26
dispute process 9
dispute progress 1
Dispute threshold 1
Disputes 53
disputet 1
Disputing late payment 5
diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 9
Dog Sitting 1
Dog Walking 1
Drivetime 1
Drop 1
drop in experian score 1
Dropped Scores 4
DTI 7
DTI ratio 3
due date 1
due dates 1
early exclusion 9
early warning 1
Early Warning System 1
ecs 1
education 2
EE 3
Elastic 1
employer 1
Employer credit pull 1
employment 1
Employment Verification 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 66
equifax credit freeze 2
Equifax data breach settlement 1
equifax dispute 8
Equifax Fraud dispute 7
Equifax free credit freeze 3
Equifax Updating File Recycled Social Security Number 1
errors 6
estimate 1
Etc... 1
etrade 1
eviction 2
EWS 3
Excel 1
Exeprian dispute online block 1
Experian 65
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian slow to report and up date 1
Experian. Dispute. 10
ExperianIdWorks 1
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 15
FCRA 605b 1
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 26
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 35
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 385
FICO Score 1B Report 1
FICO Score 3B Report 5
FICO Score 9 37
FICO Score changes 781
FICO score drop 1
FICO Score Model 1
FICO Score versions 274
FICO scores 5
FICO Scoring 18
FICO Ultimate 3B 4
Fico versions 2
FICO2 1
FICO8 Bankcard 1
fico9 1
ficoscore 1
finance 3
Financial Review 2
financial trouble 1
financing 3
First card 1
First Mortgage 2
first premier 1
First-time home buyer 6
fix 1
fixing my credit 2
flagged account 1
flex 1
Ford Motor Credit 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 90
Fraud alert 13
fraud attempt 4
fraud dispute 5
Fraud protection 3
fraudulent 3
fraudulent account 1
free 1
free credit report 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 11
freeze credit 6
Frontline 1
Frozen and fraud alerts 5
full credit history 1
Full File Disclosure 1
Fun 1
Funds 1
furniture 3
Garden 2
Gardening 5
garnishment 1
GC Collections services 1
General credit 17
General Credit topic 2
General Credit Topics 4
General Question 6
Global Payments 1
GM Financial 1
Goal 800 1
Goals 1
Gold 1
good credit 1
good will 1
Good Will Letter 2
goodwill 1
goodwill letter 4
Goodwill removal 5
Google pay 1
Google voice 1
Google wallet 1
graduate loans 1
graduation 3
great sports 1
Green Card 1
growing 1
GW letter 2
h 1
Hacked 2
Harassment 1
hard 1
Hard inquiries 13
hard inquiry 7
hard money 1
Hard Pull 12
Hard pull inquiry 5
hard pulls 2
hardpull 1
held 1
HELOC 5
help 17
Help Boost my Credit 2
help learning about credit 1
Help ME!!! 2
Help Needed 1
Help Rebuilding 1
help with collections 3
Help! 5
high credit 1
high credit utilization 4
high interest 1
high utilization 1
HIPAA 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 3
Hotel Status 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 8
Hunter Warfield 1
Huntington Bank 1
Hutton chase 1
I hate closing points 1
I phone financing 1
IC SYSTEMS 2
identify thefft 1
identity 4
identity Alert 1
Identity fraud 17
identity guard 3
identity theft 40
Idiots reported to the wrong person’s credit bureau 1
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improve credit score 1
improve scores 1
improving credit 5
Inaccurate info on report 5
Inaccurate reporting 1
income 3
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 6
increase credit lines 1
Increases 1
initial limits credit union usaa 1
Innovis 5
Inquiries 24
Inquiries FICO score 7
Inquiries Summary 5
inquiry 14
insolvency 1
Instacart 1
installment 1
installment loan 11
installment loans 3
insurance 7
Insurance Companies 1
intent to sue 1
interest 4
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 2
iup 1
Jared 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 5
Judgements 1
judgment 2
junk debt 1
kabbage 1
Kentucky 1
Kohls 1
L 1
landlord 1
Large credit lines 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 2
late payment 13
Late payment removals 2
late payments 12
late reporting 3
Late to the Credit Party 1
latestagecreditportfolioproblems 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lender Approval 2
Lenders 2
lending club 5
Length of time account have been established 2
LexingtonLaw 1
Lexis Nexis 2
LexisNexis 13
lien 1
lien removal 4
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 9
Lines 1
lines of credit 4
literally 1
LN 1
loan 10
loan and credits 4
loan applications 1
Loan approval 10
Loan company sold 1
loan payoff 2
Loanbuilder 1
Loancare 1
Loans 31
LOC 4
lock credit 1
lost 1
low income 1
Low Scores 4
lower 1
LVNV 1
Macy's Amex 1
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 3
maximum 1
medical 7
medical bill 1
medical bills 5
Medical Collection 9
medical collections 1
Medical debt 10
Medical debt collection 10
medical debts 1
medicalcollections 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military 1
Military Star Card Collections 1
Missed Payment. 2
Missing Return 1
mistake 1
mistakes 1
mix 1
money management 1
money managing 1
monitoring 4
Mortage loan 3
mortgage 26
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 6
Mortgage Transfer 2
mortgagescores 1
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 12
MyFico 3Bplus credit report experience 2
Myfico account 4
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
national public data 1
nationwide acceptance 1
Navient 1
navy federal 2
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
Need advice 2
need help 1
Need loan fast 1
Negative 1
Negative items or DEROG 189
Negative Remarks 3
negative reporting 3
nelnet 1
never late 1
new 2
New Account 4
new accounts 1
New approvals 1
New auto loan and FICO 1
New car loan while old shows balance 1
New CLI 1
new credit 6
New credit & loan 315
New credit & loans 3
New credit card 4
New credit user 1
new delinquency dates 1
new home 1
New inquiry 2
new line of credit 1
new ssn 1
new to credit 5
newbie 3
Newegg 1
next steps 1
NFCU 18
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 2
NFCU navy federal navy fed 1
NFCU shared secured loan 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 137
Non-FICO Scores 2
non-sufficient funds 1
Nordstrom Visa 1
Not more than 2 payments past due 1
Not opening macy card 1
not reporting 2
not updating 1
NSF 1
nyc 1
NYSE 1
OCC 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 6
Old late payments 3
oldest credit card 1
OneMain Financial 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
openorclose 1
opt in 1
opt out 1
Opt-out 3
options 1
OptOut 1
Other 1,007
outstanding debt 1
over 30 days late payment 1
p2p loans 2
paid 2
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 4
past due bills 1
Pay fo delete 1
pay for delete 2
pay ment systems 1
pay off 2
pay off options 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 7
payment method 1
payment plans 1
payments 3
payoff 2
Paypal 6
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 5
Pen Fed approval 1
Pending 1
penfed 9
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Percentage 1
Perfect Score 2
persona loan 2
personal 1
personal finance 3
Personal finance apps 14
personal lines of credit 3
Personal loan 35
personal loans 12
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 4
PLOC APR REDUCTION 1
Point drop 1
poor credit 1
portfolio 1
Pre Approval 7
Pre-Approval 1
pre-qualified 4
Preapproval affinity 1
Premier Financial Credit Union 1
preparing for mortgage 1
PRG 1
primary account holder 1
Primary card holder deceased 1
Privacy 3
private loans 1
problems 1
profiles 2
Proof of Income 1
Propel. 1
prosper 3
Prosper Loan 1
PSL 1
public records 4
purchases 1
Question 25
questions 2
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 2
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
Real Estate 1
rebuild credit 2
Rebuilding 22
Rebuilding and application advice 1
Rebuilding credit 18
Rebuilding Credit after Bankruptcy 3
Rebuilding from charge off 1
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 7
Removal dates 1
removal from credit report 6
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove credit limits 1
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 2
renting 2
repair 2
Repay 2
Report 1
report discrepancy 8
Report freeze 3
reporting 34
reporting dates 4
Reports 8
repossed vehicle 1
repossession 5
resident 1
restaurants 1
Retail cards 254
Retail cards credit limit increase 1
Retirement 1
Revenue group 1
revolving credit utilization 3
revolving line of credit 3
reward cards 1
Rewards 7
Rewards cards 327
REWARDS CREDIT CARDS 2
risk 1
Roamans 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Sams Club 1
Sams Club Mastercard 4800 1
Samsung 1
Santander auto 1
Saving 4
savings 2
savings account 2
savings accounts 1
say no having the strengtth say no. 1
Scam 7
scams 3
scare tactics 1
sccu 1
scheduled payment 1
score 19
Score and bankruptcy 1
score boost 1
Score change 1
score damage 3
score drop 9
Score drops 2
score impact 4
Score improvement 542
Score Improvement. 9
score increase 3
Score ingredients 88
score late 1
Score updates 3
scores 8
Scores increase 3
scores updating 1
ScoreWatch Equifax 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
Secured Card Graduation 2
secured cards 2
SECURED CREDIT CARD 9
secured loan 6
security 1
Security Breach 2
security freeze 4
security-lapse 1
see 1
seizure 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 3
settlement offer 1
shady website 1
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
short payment 1
simulator 5
sleep number 1
Sleepys 1
slow to report 1
small business credit 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 4
soft inquiries 7
Soft pull 11
soft pulls 4
SOL 1
SP 2
Spark 1
Spending debt 1
split file 2
split files 2
spousal fraud 2
spreadsheet 1
SSI 1
SSL 6
SSN 7
SSN Trace report 1
Star Card 2
startedatthebottomnowImhere 1
State Tax Lien 1
statement 5
Statement close date 3
Statements 1
statue of limitations 3
statute of limitations 3
Stock Market 1
stolen 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
stress 1
student 4
student loan 8
Student loan age of credit history 3
student loan late payment 1
Student Loan Simulator 1
student loans 15
subprime 1
subprime cards 3
subscription 1
subscriptions 1
success 1
sue 2
sued 2
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 2
Synchrony 8
synchrony bank 3
Synchrony care credit 1
Synchrony Still gives CLI 1
synthetic identity fraud 1
T mobile 2
T-mobile 1
target 1
Target Card 3
tax 2
Tax Fraud 1
tax lien 2
tax refund 1
taxes 1
TCPA 1
Tech Issue 1
Telecheck 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 2
third party debt collectors 1
threat 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
tips 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
Transferring Credit Lines 1
transunion 36
transunion dispute 7
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 92
Travel rewards 2
Truist 1
Truist bank 1
TSI 1
tu 9
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 3
UI 1
Ultimate 3B 1
Ultra FICO 1
unfair practices 1
unusual behavior 2
up dateing 1
update 2
updated information 1
updates 5
upgrade 1
upside down 2
upstart 1
us bank 4
US bank be late 1
Us bank cash + 1
US bank cash plus 1
US bank cash plus auto cli 1
Us bank cash+ 1
US Bank CLI 1
US Bank Premier Line of Credit 1
Usaa 3
usage 2
USBank 1
USPS 2
utility 1
utility bill 1
utilization 23
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage 3.0 1
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle 1
vehicle repossession 1
Venture 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
wage garnishment 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
website 3
websites 1
Wells Fargo 4
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 2
Wrong addresses 2
X1 1
You Can Get to 850 1
young 2
zelle 1
zero 1
zero balance 1
zombie debt 1

Topics with Label: AAOA