Topics with Label: Debt Paydown

myFICO® Forums

Personal Loan vs. 0% Card + Other Tips Requested T...

by on

2 Replies 317 Views

2 Replies

317 Views

Labels

0 1
1099-C 1
18 2
19 1
19 year old 1
524 Rule 1
700 club 2
800 3
850 FICO 1
AAFES 1
AAOA 4
Aaron's 1
access checks 1
Account Number 1
address 1
address change 1
Advice 3
affirm 1
age 1
age Credit closing card 1
Alaska airlines Bank of America 1
alert 1
alerts 5
alien 1
Alliant 2
amazon 2
amazon store card 2
Amazon Synchrony 1
American Express 5
american express platinum 1
amex 6
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
Amex Cli 1
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual fee 1
apartment 1
Apartment Renting 4
App Spree 23
App spree Approvals Gardening 1
Apple 2
Application 1
Application approval 2
Applications 1
applying 1
approval 2
Approval odds 4
approvals 1
Approved 2
APR 3
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 2
Authorized User 19
Auto CLI 1
Auto lease 1
Auto Loan 9
auto loans 1
Auto purchase 1
Auto refinance 3
Auto-generated applications 1
automotive 1
bad credit 1
balance 1
balance tracking 1
Balance Transfer 16
bank 1
Bank of America 6
bank trust 1
Banking 3
Bankruptcy 8
Bankruptcy Chapter 7 2
Bankruptcy. Fico score 1
banks 1
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 1
BBVA Compass 1
best buy visa 1
Best Egg 1
bill 2
bill pay 1
bk 1
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 3
BOA Travel Rewards Approved 2
BofA 3
Brokerage Account 1
budgeting 2
building credit 4
bureau 1
business credit 1
business line of credit 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 1
Capital One 10
Capital One CLI 1
capone 1
car 4
Car Loan 4
car note 1
Card 2
Card Acquisition Risk Score 1
Carrying high balance 1
CARS 2
cc 1
Cc charge off 1
Cct 9
cfpb 2
chapter 7 1
charge off 7
Charge offs 3
Charge-off 1
Chase 13
Chase Amazon 1
Chase Approval 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Reserve 1
Checking 2
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 2
Citi Diamond 1
Citibank 2
Citizens bank 1
citizens one 1
cli 2
CLIs 3
closed accounts 1
closed credit card 1
closing accounts 1
closing cards 2
closing credit accounts 1
Co-sign 2
Collecting 2
collection 5
collection account 4
Collection Agency 13
collection falsely reported 2
Collection Letter 2
Collection reported in error 3
collections 22
Collections HELP 8
college 1
comcast 1
Comcast collection 1
Comenity 1
comparison 1
Complaint 3
consolidation loan 2
consumer finance 2
convenience checks 1
cosign 1
Costco Anywhere Visa 1
Cra 4
credit 17
Credit & loan qualification 94
credit alert 1
Credit Approval 8
credit approvals 1
credit building 3
Credit bureau 21
Credit Bureau Policy Changes 1
Credit Card 33
Credit card applications 3
Credit card applications credit cards 4
credit card approval 2
credit card approvals 1
Credit card car 1
Credit Card Consolidation 3
credit card debt 4
Credit Card Dec 2
credit card offers 1
credit card payments 2
Credit Card Payments to CR 1
credit card utilization 2
credit cards 13
credit check total 6
credit check total reviews 1
credit check total scam 1
credit checks 1
credit counseling 1
credit denials 1
credit disputes 3
credit drop 1
Credit education 33
credit file 1
Credit Fraud 6
Credit freeze 2
credit history 1
credit improvements 1
Credit in the News 1
credit karma 5
Credit Limit 11
Credit limit increase 14
Credit Line Increase. Upgrade 1
credit managing 4
credit mix 1
Credit monitoring 30
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 11
credit rebuilding 4
credit repair help 7
credit report 30
Credit Report investigation 3
Credit reporting 38
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 1
credit reports 7
Credit reports collections 4
credit repot 1
credit score 35
credit scores 8
credit scores dropping 3
credit scoring 5
Credit sesame 1
Credit Tanked 1
credit union 6
credit unions 2
credit usage 1
credit utilization 1
CreditKarma 2
Creditor 2
creditwise 2
Customer Service 3
customer trust vs. lender trust 1
Dark web monitoring 1
data furnisher 1
dates 1
dealership 1
debt 8
debt collection 4
debt collector 2
debt consolidation 3
Debt management 148
Debt Paydown 1
debt repayment 2
Debt to Income 3
delete 1
Deleting court records 1
delinquency 1
Deliquent payments 1
Denial 1
denied due to many inquiries 1
Dept Credit Consolidating 1
Derogatory 4
derogatory mark 2
discoer 1
Discover 5
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 2
Discover IT Approval 1
Discover secured 1
discrepancy 1
dispute 6
dispute process 6
Disputes 26
diversified consultants 1
document 1
DOFD 2
Drivetime 1
drop in experian score 1
Dropped Scores 2
DTI 4
DTI ratio 1
early exclusion 2
education 1
EE 2
employment 1
equifax 29
equifax credit freeze 1
Equifax Fraud dispute 3
Equifax free credit freeze 2
errors 2
Etc... 1
Excel 1
Experian 21
Experian app score 1
experian phone number 1
Experian. Dispute. 5
failure to pay 1
fair collection 1
FAKO 5
FCDPA 1
fco 1
FCRA 8
FDCPA 2
fdcpa lawsuit federal collection agency 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 8
fico 8 6
FICO announcement 19
FICO announcements 1
FICO Score 175
FICO Score 3B Report 5
FICO Score 9 11
FICO Score changes 322
FICO Score versions 131
FICO Scoring 12
FICO Ultimate 3B 3
finance 2
First Mortgage 1
first premier 1
First-time home buyer 1
foreclosure 2
Fraud 44
Fraud alert 3
fraud dispute 2
fraudulent 2
fraudulent account 1
free 1
free credit score 2
free score 4
free trials 1
Freeze 4
freeze credit 2
Frontline 1
full credit history 1
Full File Disclosure 1
furniture 1
Gardening 2
GC Collections services 1
General credit 8
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 1
graduate loans 1
great sports 1
Green Card 1
growing 1
h 1
Hacked 1
hard 1
Hard inquiries 6
hard inquiry 5
hard money 1
Hard Pull 3
Hard pull inquiry 1
hard pulls 1
hardpull 1
HELOC 4
help 7
Help Boost my Credit 2
help with collections 1
Help! 3
high interest 1
history 3
home depot 1
Home improvement 1
Home Mortgage 1
housing 1
HP 4
Hunter Warfield 1
identity 1
Identity fraud 2
identity guard 3
identity theft 15
idk 1
illegal 2
immigrant 1
impersonation 1
improve 1
improving credit 2
incorrect reporting 1
Increase 1
initial limits credit union usaa 1
Innovis 1
Inquiries 5
Inquiries Summary 1
inquiry 5
installment loan 6
insurance 3
intent to sue 1
interest 1
interest rates 1
internet 1
iphone loan 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
joint account 1
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
judgement 4
judgment 1
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late payment 3
late payments 8
lawsuit 2
learning curve 1
lease 5
legal 3
legal action 1
legal fees 1
lender 1
lending club 4
Length of time account have been established 2
LexisNexis 4
lien removal 2
liens 1
limit 1
Limited credit history 2
Line of Credit 4
lines of credit 1
loan 5
loan and credits 4
Loan approval 5
Loan company sold 1
loan payoff 1
Loans 17
LOC 1
low income 1
Low Scores 2
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 1
maxed out 1
maximum 1
medical 4
medical bill 1
medical bills 2
Medical debt collection 1
Membership 2
method of validation 1
Military Star Card Collections 1
mix 1
money management 1
money managing 1
monitoring 2
Mortage loan 1
mortgage 11
mortgage credit 2
mortgage default 1
Mortgage History 1
mortgage loan 8
Mortgage Transfer 2
Multiple reportings 1
My Story 1
myfico 8
Myfico account 2
name variations 1
NASDAQ 1
national consumer assistance act 1
Navient 1
navy federal 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 85
Negative Remarks 2
negative reporting 1
nelnet 1
new 1
New car loan while old shows balance 1
new credit 2
New credit & loan 97
New credit & loans 1
New credit card 1
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 1
newbie 2
NFCU 5
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
Nfcu visa platinum 2
no credit 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 80
Non-FICO Scores 1
nyc 1
NYSE 1
off 1
old accounts 1
old debt 3
Old late payments 2
only soft inquiry 1
Opt-out 3
Other 353
p2p loans 2
Paragraphs added.. For human consumption. 1
Pay-for-delete 1
paydown 1
Paying off debt 5
payment history 2
payments 2
Paypal 3
paypal collection 2
Paypal Credit 1
Pen Fed 3
penfed 5
PenFed Auto Loan 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
Personal finance apps 3
personal lines of credit 2
Personal loan 24
personal loans 5
Phone 2
Platinum Credit Card 1
PLOC 2
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 1
pre-qualified 1
Premier Financial Credit Union 1
PRG 1
private loans 1
problems 1
profiles 1
prosper 2
public records 4
Question 11
QuickSilver 1
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 9
Rebuilding credit 11
Rebuilding Credit after Bankruptcy 3
recovery time 1
Refinance of Rental Property 1
reinsert collection 1
remodel 1
removal from credit report 3
removal letter 1
removal of lates due to forebearance 1
Remove State Liens 1
removed collection 2
removing credit accounts 1
rent 4
renting 2
Repay 1
report discrepancy 2
reporting 13
Reports 3
repossession 1
resident 1
restaurants 1
Retail cards 91
Rewards 2
Rewards cards 104
roommate 1
Rosenthal 1
run 1
RV loan 1
saferwholsale 1
Santander auto 1
saving 1
savings 1
Scam 4
scams 2
sccu 1
score 7
Score and bankruptcy 1
score damage 2
score drop 4
score impact 2
Score improvement 216
score increase 1
Score ingredients 27
scores 3
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 1
SECURED CREDIT CARD 5
secured loan 4
security freeze 2
see 1
self 1
selflender 1
Share lender credit builder credit loans 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 4
Sleepys 1
small claims 1
sofi 3
Sofi personal loan 3
soft inquiries 3
Soft pull 2
soft pulls 2
split file 2
split files 2
spreadsheet 1
SSI 1
SSL 1
SSN 1
Star Card 2
State Tax Lien 1
statement 3
statue of limitations 2
statute of limitations 1
Stock Market 1
store card 1
student 1
student loan 4
Student loan age of credit history 2
Student Loan Simulator 1
student loans 8
subprime cards 1
subscription 1
success 1
sue 1
sued 1
Sueing 1
Suggestions for BT card 1
superior rental purchase 1
Synchrony 1
T mobile 1
tax 2
tax lien 2
Texas Debt Verification 1
Texas Guarentee 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
tradelines 2
traffic ticket 1
transunion 16
transunion dispute 3
Transworld Systems 1
tranunion dispute 1
Travel cards 37
Travel rewards 2
TSI 1
tu 4
Tuition 1
U.S. Bank 2
Ultimate 3B 1
unusual behavior 2
updates 3
upside down 2
upstart 1
US Bank Premier Line of Credit 1
usability study 1
usage 2
user testing 1
utilization 10
Uverse 1
va loan 4
vantage 2
Vantage Score 3
Variance between OC & collections dates 1
Verification 2
victim 1
Victoria's secret 1
VISA cards 2
Wells Fargo 2
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
You Can Get to 850 1
young 1
zero 1
zombie debt 1