General Credit Topics

myFICO® Forums

Use HELOC or PLOC to pay down Credit cards

by on Latest post on by

2 Replies 1508 Views

2 Replies

1508 Views

PenFed PLOC Approved!!!

by on Latest post on by

7 Replies 4118 Views

7 Replies

4118 Views

Labels

0 1
1037 1
1099-C 1
18 2
180 day grace period 1
19 1
19 year old 1
30 day 1
30 day late 1
524 Rule 1
700 club 3
800 4
850 FICO 1
AAFES 1
AAOA 10
Aaron's 1
access checks 1
Account 1
account clouser 1
Account Number 1
address 2
address change 2
adverse accounts 1
Advice 5
affirm 1
age 2
age Credit closing card 2
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 1
alien 1
Alliant 3
amazon 2
Amazon Net 55 1
amazon store card 2
Amazon Synchrony 1
American Express 10
american express platinum 1
amex 10
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 3
amex platinum 2
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 2
App Spree 41
App spree Approvals Gardening 2
Apple 2
Application 3
Application approval 2
Application Help 1
Applications 1
applying 2
approval 4
Approval odds 6
Approvals 2
Approved 2
approved cli 1
APR 5
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 4
Authorized User 32
Authorized user is filing for BK 1
Auto CLI 1
Auto lease 2
Auto Loan 14
auto loans 4
Auto purchase 2
Auto refinance 5
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 6
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 6
balance tracking 1
Balance Transfer 36
Bank of America 9
bank trust 1
Bankcrupties Credit 1
Banking 10
Bankruptcy 19
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 2
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
billing cycle 1
bk 1
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 6
BOA Travel Rewards Approved 2
BofA 4
boost 1
Brokerage Account 1
Budgeting 3
Building 2
building credit 9
bureau 1
Bureau reporting 3
Bureaus not reporting credit lines 4
business credit 1
Business Credit Approval 1
business line of credit 1
Calculation 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 2
Capital One 19
Capital One CLI 1
Capital one QS 1
capone 1
car 4
Car buying 1
Car Insurance 1
Car Loan 8
car note 1
Card 3
Card Acquisition Risk Score 1
cards 3
Care Credit 2
Care Credit CLI 1
Carrying high balance 1
CARS 2
CB reporting 1
CBIS 1
CBR 1
cc 2
Cc charge off 1
CC Utilization 3
Cct 9
Certified mail 1
CFA 3
cfpb 3
chapter 7 1
charge card 1
charge cards 1
charge off 12
Charge offs 6
Charge-off 3
Charges 1
Chase 21
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 accounts 1
checking plus 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi AAdvantage 1
Citi Diamond 1
Citi Website 1
Citibank 4
Citizens bank 1
citizens one 1
Civil Judgement 1
cli 2
CLI Capital One 1
CLI increase 2
CLIs 3
Close 1
closed account 1
closed accounts 5
closed credit card 6
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
CO 1
Co-sign 2
Collecting 3
collection 9
collection account 6
Collection Agency 19
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collections 30
Collections HELP 15
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 3
comparison 1
Complaint 5
consolidation loan 4
consumer complaint 1
consumer finance 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 2
CRA's 2
credit 42
Credit & loan qualification 166
Credit age 1
credit alert 2
Credit application 1
Credit Approval 25
credit approvals 1
credit builder loan 2
credit building 6
Credit bureau 33
Credit Bureau Policy Changes 8
Credit bureau reporting 4
Credit bureaus 6
Credit Card 73
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 6
credit card debt 6
Credit Card Dec 2
credit card offers 2
credit card payment 1
credit card payments 5
Credit Card Payments to CR 2
credit card reporting 1
Credit Card Rewards 1
credit card utilization 3
credit cards 22
Credit Check 2
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 5
credit diversity 1
credit drop 2
Credit education 84
credit file 3
Credit Fraud 9
Credit freeze 6
credit help 1
credit history 4
Credit improvement 1
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 3
credit journey 1
credit karma 9
credit knowledge 1
Credit Limit 12
Credit limit increase 27
credit line increase 1
Credit Line Increase. 2
Credit Line Increase. Upgrade 1
Credit Lock 1
credit management 1
credit managing 4
credit mix 3
Credit monitoring 65
Credit one 1
credit one closed 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 17
credit rebuilding 4
Credit Repair 12
credit repair help 7
credit report 47
Credit Report investigation 9
Credit reporting 59
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 4
credit reports 17
Credit reports collections 6
credit repot 1
credit score 51
Credit score decrease 1
Credit score fluctuations 7
credit scores 14
credit scores dropping 6
credit scoring 5
credit scrub 1
Credit sesame 1
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 7
Credit Union Eligibility 1
credit unions 5
credit usage 1
credit utilization 2
creditcard 1
creditcards 2
CreditKarma 2
Creditor 4
creditt 1
creditwise 2
CSP 1
CUs 1
Customer Service 6
customer trust vs. lender trust 1
Dark web monitoring 1
Data Breach 1
data furnisher 1
data point 1
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 14
debt collection 6
debt collector 3
debt consolidation 4
debt free 2
Debt management 255
Debt Paydown 5
debt repayment 2
Debt to Income 4
debt validation 1
default 1
defaults 2
delete 1
Deleting court records 1
delinquency 4
Deliquent payments 3
Denial 2
denied due to many inquiries 1
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 5
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 14
dispute process 6
Dispute threshold 1
Disputes 40
Disputing late payment 1
diversified consultants 1
Diversity 1
document 1
DOFD 4
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 3
DTI 5
DTI ratio 2
due date 1
due dates 1
early exclusion 4
education 1
EE 2
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 47
equifax credit freeze 2
equifax dispute 2
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
Excel 1
Exeprian dispute online block 1
Experian 47
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 9
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 9
FCRA violation 3
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 19
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 8
FICO announcement 32
FICO announcements 2
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 322
FICO Score 3B Report 5
FICO Score 9 25
FICO Score changes 552
FICO Score versions 192
FICO scores 4
FICO Scoring 15
FICO Ultimate 3B 4
finance 3
Financial Review 1
financing 2
First card 1
First Mortgage 1
first premier 1
First-time home buyer 4
fix 1
fixing my credit 2
flagged account 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 73
Fraud alert 8
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 3
Frontline 1
Frozen and fraud alerts 2
full credit history 1
Full File Disclosure 1
Fun 1
furniture 1
Garden 1
Gardening 4
garnishment 1
GC Collections services 1
General credit 13
General Question 4
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 3
hard pulls 1
hardpull 1
HELOC 5
help 12
Help Boost my Credit 2
Help ME!!! 1
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
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
I hate closing points 1
identity 2
Identity fraud 7
identity guard 3
identity theft 26
idk 1
illegal 2
immigrant 1
Impact 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 15
Inquiries FICO score 2
Inquiries Summary 3
inquiry 11
installment loan 8
insurance 5
intent to sue 1
interest 3
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 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
Judgements 1
judgment 2
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 10
late payments 11
late reporting 3
Late to the Credit Party 1
Law 1
Law suit 1
lawsuit 4
learning curve 1
lease 5
legal 4
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 3
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
Loancare 1
Loans 22
LOC 1
low income 1
Low Scores 3
Macy's Website 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
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 2
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 2
mortgage 18
mortgage credit 4
mortgage credit raise score 1
mortgage default 1
Mortgage History 1
mortgage loan 10
Mortgage Transfer 2
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 11
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 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 139
Negative Remarks 3
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 203
New credit & loans 2
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 2
newbie 3
Newegg 1
next steps 1
NFCU 10
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 2
NFCU navy federal navy fed 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 117
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old accounts 2
old debt 3
Old late payments 2
Online banking 1
only soft inquiry 1
Onsale 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 705
p2p loans 2
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 1
payment history 5
payment method 1
payments 2
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 7
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 7
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
Personal finance apps 10
personal lines of credit 2
Personal loan 30
personal loans 9
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 2
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 5
pre-qualified 3
Premier Financial Credit Union 1
PRG 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 18
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 15
Rebuilding and application advice 1
Rebuilding credit 14
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
Remarks 1
remodel 1
Removal 4
Removal dates 1
removal from credit report 5
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed collection 2
removing credit accounts 1
rent 5
rental 3
renting 2
repair 1
Repay 2
Report 1
report discrepancy 5
Report freeze 2
reporting 24
reporting dates 2
Reports 7
repossession 2
resident 1
restaurants 1
Retail cards 177
revolving credit utilization 1
revolving line of credit 2
reward cards 1
Rewards 4
Rewards cards 205
REWARDS CREDIT CARDS 1
roommate 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Santander auto 1
Saving 2
savings 2
savings account 2
Scam 5
scams 2
sccu 1
score 15
Score and bankruptcy 1
score boost 1
score damage 2
score drop 6
score impact 3
Score improvement 427
Score Improvement. 1
score increase 3
Score ingredients 59
score late 1
Score updates 2
scores 7
Scores increase 3
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 7
secured loan 4
security 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
set to be deleted 1
settlement 2
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
sms alertts 1
sofi 3
Sofi personal loan 3
soft inquiries 5
Soft pull 7
soft pulls 2
SOL 1
split file 2
split files 2
spreadsheet 1
SSI 1
SSL 3
SSN 3
Star Card 2
State Tax Lien 1
statement 5
Statement close date 1
Statements 1
statue of limitations 3
statute of limitations 1
Stock Market 1
store card 1
store cards 1
Story 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
SYNCB 1
Synchrony 3
synchrony bank 1
synthetic identity fraud 1
T mobile 1
target 2
Target Card 2
tax 2
tax lien 2
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 1
third party debt collectors 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 25
transunion dispute 5
Transworld Systems 2
tranunion dispute 1
Travel cards 71
Travel rewards 2
TSI 1
tu 6
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
utility 1
utilization 20
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 6
VantageScore 4
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 1
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 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
Wrong address 1
You Can Get to 850 1
young 1
zero 1
zombie debt 1

Topics with Label: PLOC

Use HELOC or PLOC to pay down Credit cards

PenFed PLOC Approved!!!