Topics with Label: Discover balance transfer

myFICO® Forums

“Simulator” vs. reality? Why and what to do?!

by on Latest post on by

6 Replies 688 Views

6 Replies

688 Views

Labels

0 1
1037 1
1099-C 1
18 2
180 day grace period 1
19 1
19 year old 1
524 Rule 1
700 club 2
800 4
850 FICO 1
AAFES 1
AAOA 8
Aaron's 1
access checks 1
account clouser 1
Account Number 1
address 2
address change 1
adverse accounts 1
Advice 5
affirm 1
age 2
age Credit closing card 1
Alaska airlines Bank of America 1
alert 1
alerts 5
alien 1
Alliant 3
amazon 2
Amazon Net 55 1
amazon store card 2
Amazon Synchrony 1
American Express 6
american express platinum 1
amex 7
Amex 3xCLI 1
amex affecting fico score 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex Delta sky miles 1
Amex Gold 2
amex platinum 1
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual credit report 1
annual fee 1
apartment 1
Apartment Renting 5
app 1
App Spree 33
App spree Approvals Gardening 2
Apple 2
Application 2
Application approval 2
Application Help 1
Applications 1
applying 1
approval 3
Approval odds 4
approvals 2
Approved 2
APR 3
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 4
Authorized User 27
Authorized user is filing for BK 1
Auto CLI 1
Auto lease 2
Auto Loan 12
auto loans 3
Auto purchase 2
Auto refinance 3
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 5
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 3
balance tracking 1
Balance Transfer 31
Bank of America 7
bank trust 1
Bankcrupties Credit 1
Banking 6
Bankruptcy 16
Bankruptcy and Credit Cards 1
Bankruptcy Chapter 7 3
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 1
BBVA Compass 1
best buy visa 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
bk 1
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 5
BOA Travel Rewards Approved 2
BofA 3
boost 1
Brokerage Account 1
budgeting 3
Building 1
building credit 6
bureau 1
Bureau reporting 1
Bureaus not reporting credit lines 3
business credit 1
Business Credit Approval 1
business line of credit 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 1
Capital One 13
Capital One CLI 1
Capital one QS 1
capone 1
car 4
Car buying 1
Car Loan 5
car note 1
Card 2
Card Acquisition Risk Score 1
cards 1
Care Credit 1
Carrying high balance 1
CARS 2
CB reporting 1
CBR 1
cc 2
Cc charge off 1
CC Utilization 3
Cct 9
CFA 3
cfpb 3
chapter 7 1
charge card 1
charge off 9
Charge offs 4
Charge-off 3
Charges 1
Chase 15
Chase Amazon 1
Chase Approval 1
Chase bank 1
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
checking plus 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi Diamond 1
Citibank 4
Citizens bank 1
citizens one 1
cli 2
CLI Capital One 1
CLI increase 1
CLIs 3
closed account 1
closed accounts 4
closed credit card 5
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
Co-sign 2
Collecting 3
collection 8
collection account 5
Collection Agency 18
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collections 27
Collections HELP 14
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 2
comparison 1
Complaint 3
consolidation loan 4
consumer complaint 1
consumer finance 4
Consumer statement 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Cra 5
credit 27
Credit & loan qualification 140
Credit age 1
credit alert 1
Credit Approval 19
credit approvals 1
credit builder loan 1
credit building 5
Credit bureau 26
Credit Bureau Policy Changes 7
Credit bureaus 1
Credit Card 60
Credit card applications 4
Credit card applications credit cards 4
credit card approval 1
credit card approvals 1
Credit card car 1
Credit card closed 2
Credit Card Consolidation 5
credit card debt 6
Credit Card Dec 2
credit card offers 1
credit card payments 3
Credit Card Payments to CR 2
credit card reporting 1
Credit Card Rewards 1
credit card utilization 3
credit cards 19
Credit Check 2
credit check total 7
credit check total reviews 1
credit check total scam 1
credit checks 2
credit counseling 1
credit denials 1
credit disputes 4
credit drop 1
Credit education 53
credit file 2
Credit Fraud 9
Credit freeze 5
credit help 1
credit history 4
credit improvements 1
Credit in the News 3
credit increase 1
credit karma 8
Credit Limit 12
Credit limit increase 23
Credit Line Increase. Upgrade 1
Credit Lock 1
credit managing 4
credit mix 2
Credit monitoring 53
Credit one 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 14
credit rebuilding 4
Credit Repair 9
credit repair help 7
credit report 41
Credit Report investigation 7
Credit reporting 50
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 3
credit reports 14
Credit reports collections 6
credit repot 1
credit score 42
Credit score fluctuations 5
credit scores 10
credit scores dropping 5
credit scoring 5
Credit sesame 1
Credit simulator 1
Credit Tanked 1
Credit Tracker 2
credit union 6
credit unions 4
credit usage 1
credit utilization 1
CreditKarma 2
Creditor 3
creditt 1
creditwise 2
CSP 1
Customer Service 4
customer trust vs. lender trust 1
Dark web monitoring 1
Data Breach 1
data furnisher 1
data point 1
dates 2
dcu 1
dealership 1
debit card 2
debt 13
debt collection 5
debt collector 3
debt consolidation 4
debt free 2
Debt Management 209
Debt Paydown 5
debt repayment 2
Debt to Income 3
delete 1
Deleting court records 1
delinquency 3
Deliquent payments 3
Denial 1
denied due to many inquiries 1
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 4
derogatory mark 2
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
Discover 9
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 2
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 11
dispute process 6
Dispute threshold 1
Disputes 31
Disputing late payment 1
diversified consultants 1
Diversity 1
document 1
DOFD 3
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 2
DTI 5
DTI ratio 1
early exclusion 4
education 1
EE 2
employer 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 41
equifax credit freeze 1
Equifax Fraud dispute 4
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 1
Excel 1
Exeprian dispute online block 1
Experian 41
Experian app score 1
experian FICO 1
experian phone number 1
Experian. Dispute. 8
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 6
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 8
FCRA violation 2
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 16
fico 2 1
fico 4 1
FICO 5 4 and2 1
fico 8 8
FICO announcement 26
FICO announcements 2
fico definitions 1
FICO Essentials 1B 1
fico mortgage 1
FICO Score 263
FICO Score 3B Report 5
FICO Score 9 19
FICO Score changes 457
FICO Score versions 168
FICO scores 1
FICO Scoring 14
FICO Ultimate 3B 4
finance 3
Financial Review 1
financing 1
First card 1
First Mortgage 1
first premier 1
First-time home buyer 4
fixing my credit 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 64
Fraud alert 6
fraud attempt 1
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 2
Frontline 1
Frozen and fraud alerts 2
full credit history 1
Full File Disclosure 1
furniture 1
Gardening 4
garnishment 1
GC Collections services 1
General credit 12
General Question 2
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 1
Google pay 1
graduate loans 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 7
hard inquiry 5
hard money 1
Hard Pull 5
Hard pull inquiry 1
hard pulls 1
hardpull 1
HELOC 5
help 9
Help Boost my Credit 2
help with collections 3
Help! 4
high credit utilization 1
high interest 1
history 5
HOA 1
home 1
home depot 1
Home improvement 1
Home Mortgage 1
housing 2
how many cc's 1
HP 5
Hunter Warfield 1
Hutton chase 1
identity 2
Identity fraud 5
identity guard 3
identity theft 23
idk 1
illegal 2
immigrant 1
impersonation 1
improve 1
improving credit 3
Inaccurate info on report 3
incompetency 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 12
Inquiries Summary 1
inquiry 11
installment loan 7
insurance 4
intent to sue 1
interest 1
interest fee 1
interest rates 2
internet 1
invalid debt 1
Investing 1
iphone loan 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 1
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 alerts 1
late fee drop off 1
late payment 8
late payments 11
late reporting 2
Law 1
lawsuit 4
learning curve 1
lease 5
legal 3
legal action 2
legal fees 1
Legal timeline to a collection agency 1
lender 2
lending club 4
Length of time account have been established 2
Lexis Nexis 1
LexisNexis 6
lien removal 2
liens 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 3
LN 1
loan 7
loan and credits 4
loan applications 1
Loan approval 9
Loan company sold 1
loan payoff 2
Loans 22
LOC 1
low income 1
Low Scores 3
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 1
maxed out 1
maximum 1
medical 5
medical bill 1
medical bills 4
Medical Collection 3
Medical debt 2
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 1
Military Star Card Collections 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 2
mortgage 14
mortgage credit 4
mortgage credit raise score 1
mortgage default 1
Mortgage History 1
mortgage loan 9
Mortgage Transfer 2
Multiple reportings 1
My Story 1
myfico 10
MyFico 3Bplus credit report experience 2
Myfico account 2
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 1
Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 116
Negative Remarks 2
negative reporting 1
nelnet 1
Net 30 account 1
Net 55 account 1
new 1
new accounts 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 161
New credit & loans 1
New credit card 3
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 1
newbie 3
Newegg 1
NFCU 9
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 1
Nfcu visa platinum 2
NMAC 1
no credit 1
no credit history 1
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 100
Non-FICO Scores 1
Nordstrom Visa 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 1
Off-cycle update reporting Fico score improvement 1
old accounts 1
old debt 3
Old late payments 2
only soft inquiry 1
Onsale 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 553
p2p loans 2
Paragraphs added.. For human consumption. 1
past due 1
past due bills 1
Pay-for-delete 1
paydown 1
Paying off debt 5
payment history 3
payments 2
payoff 1
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 6
Pen Fed 3
Pending 1
penfed 6
PenFed Auto Loan 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
Personal finance apps 6
personal lines of credit 2
Personal loan 30
personal loans 8
Phone 3
Platinum Credit Card 1
Please Help 1
PLOC 2
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 4
pre-qualified 2
Premier Financial Credit Union 1
PRG 1
Primary card holder deceased 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
public records 4
Question 15
questions 1
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 13
Rebuilding credit 14
Rebuilding Credit after Bankruptcy 3
recovery time 1
refinance 2
Refinance of Rental Property 1
refunds 1
reinsert collection 1
relationship terminated 1
remodel 1
Removal 2
Removal dates 1
removal from credit report 5
removal letter 1
removal of lates due to forebearance 1
remove 1
Remove State Liens 1
removed collection 2
removing credit accounts 1
rent 5
rental 2
renting 2
repair 1
Repay 2
report discrepancy 4
Report freeze 1
reporting 19
Reports 4
repossession 2
resident 1
restaurants 1
Retail cards 149
revolving line of credit 2
Rewards 2
Rewards cards 167
REWARDS CREDIT CARDS 1
roommate 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Santander auto 1
Saving 2
savings 2
Scam 4
scams 2
sccu 1
score 14
Score and bankruptcy 1
score boost 1
score damage 2
score drop 5
score impact 3
Score improvement 332
score increase 3
Score ingredients 43
score late 1
Score updates 1
scores 4
Scores increase 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 6
secured loan 4
security 1
security freeze 2
security-lapse 1
see 1
self 1
selflender 1
set to be deleted 1
settlement 1
Share lender credit builder credit loans 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sofi 3
Sofi personal loan 3
soft inquiries 4
Soft pull 5
soft pulls 2
SOL 1
split file 2
split files 2
spreadsheet 1
SSI 1
SSL 3
SSN 2
Star Card 2
State Tax Lien 1
statement 5
statue of limitations 3
statute of limitations 1
Stock Market 1
store card 1
student 1
student loan 7
Student loan age of credit history 3
Student Loan Simulator 1
student loans 11
subprime cards 1
subscription 1
subscriptions 1
success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
superior rental purchase 1
Synchrony 2
synchrony bank 1
T mobile 1
Target Card 1
tax 2
tax lien 2
Texas 1
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
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
transunion 23
transunion dispute 5
Transworld Systems 2
tranunion dispute 1
Travel cards 60
Travel rewards 2
TSI 1
tu 5
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 1
updates 5
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utilization 17
Uverse 1
va loan 4
vantage 3
Vantage Score 6
VantageScore 1
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 1
Verizon Fios 1
victim 1
Victoria's secret 1
VISA cards 2
Volvo 1
Volvo Financial Services 1
WagWalking 1
Wells Fargo 3
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
You Can Get to 850 1
young 1
zero 1
zombie debt 1