Pull your Equifax report to check this out. ... View more

Maybe it's me but I cannot figure out how to archive the alerts. I'm only paying 7 bucks a month but I think I am just going to cancel and buy EQ single scores every quarter from this website with the discount. My stuff is static and I know the effects of how cards report so it's like watching paint dry now. ... View more

  @Anonymous wrote: Jeez, I guess it's more serious than Sony made it out to be (surprise).   I wish I could remember which CC i had originally used on PSN. Check all your old statements.   ... View more

I have purchased some DLC for the Tiger Woods series on PSN but I deleted all CC info prior to this problem. I wonder if my deleted info could possibly be obtained even though all the info was deleted. ... View more

  @Anonymous wrote: A piggyback question on this:  How many of you wth a revolving Amex card carry a monthy balance (i.e., do not PIF each month?) Revolve with AmEx? No.    ... View more

  @iDShaDoW wrote: Just got my first FICO ever yesterday (thank you PSECU!).   793   What Affects My FICO Score?   -You've recently been looking for credit.  (Both last month.  PSECU savings/checking & PenFed savings/credit card - credit card was denied due to not working since I've got 1 more year to go on my Bachelor's)   -The balances on your non-mortgage credit accounts are too high.  (Credit card balances are hovering around 17% which I'll bring to ~1% and hopefully reflect in the next FICO pull.  Plus I got some Stafford Loans that total around $24k)   I was thinking my Average Age of Accounts would be a factor too (think it's around 5 years +/- 1 year or so) but apparently it wasn't.   Here's to hoping lowering my utilization rate would bring me into the 800's.    Does anyone know if TU and EQ tend to be lower or higher on average than EX scores? PSECU only reports the first two negatives.   ... View more

Ray the easiest way to stop is to STOP reading all message boards pertaining to credit. Been there done that. ... View more

Thanks Shane. The reserves are not in what you might say is a typical investment but I can document that I own the assets. ... View more

I have heard 24-27 months in my travels. ... View more

Don't fret. I lost 7 tradelines at 5-7 years off my EQ a few years back. Good luck with calling. A number of CSR asked for old report numbers with the tradelines listed and after giving them 10 report numbers and having no one find any of them I just gave up. It wasn't worth all the negative energy.   The good news is that after 3 years my EQ is my highest score with 1 account reporting a balance.  ... View more

I think the FICO Estimator is very accurate if you are totally honest. I usually gives you a 50 point range. Some of the questions also give you some insight on what you should be trying to do to improve. Probably the surest way to get your score up other than keeping U down is to only apply for cards that you will use. Plan your applications intelligently. You really only need a half dozen cards on the outside. Try to stay away from the store cards the gas cards and if you are rebuilding only go for 2 at the most. If you have the money you can get your utilization down but if you mindlessly apply for all sorts of jink your AAofA will be hurt for a good long time. Avoid the application/approval addiction.  ... View more

I think the over the next 24 months takes into account an improvement in AAofA. ... View more

  @haulingthescoreup wrote: Have at it, no one is standing in your way. :)   The reason that AmEx can backdate is that they term their cardholders "members." The date on the card means "member since," so they can honestly say that even though you got the card in the mail two days ago, you've been a member since 1994 or whatever, and therefore that's the year you get. (A bit sketchy about this happening with AU's, and my understanding is that some get lucky and get the member's original year, but most don't. Whatever.)   All other lenders report when that account was opened; thus, no back-dating.   I agree with PP that the Kroger 1-2-3 card date was a different issue. In that case, the account really was opened at whatever date showed for RBS, and US Bank simply took it over. Huge thumbs up for your part in getting US Bank to change on that one, but I think the Chase bit is a whole 'nother issue. Sounds like the Bill Clinton definition of is is but who am I to argue?   ... View more

  @DI wrote:   @smallfry wrote: Chase doesn't backdate the only one I have ever heard of badkdating is AmEx and to be honest the practice is not right. Another blatant abuse of the credit system. I'll wait for Deb Walden to tell me  Chase won't backdate accounts.    Good luck widdat but I wish you the best of luck.   ... View more

Chase doesn't backdate the only one I have ever heard of badkdating is AmEx and to be honest the practice is not right. Another blatant abuse of the credit system. ... View more

  @jefftca925 wrote:   @DI wrote:   @jthedges wrote: If they will backdate I would die!  But please try and report back, I would have to send you a gift basket full of assorted goodies if you could get this to happen. It may take some time if they don't do backdating.   I'm sure there's going to be some resistance initially.   I'll have to send a few letters to the right people.   In the meantime, I'm still waiting to receive my card.     They do NOT backdate accounts and you'll be wasting your time trying to get them to do something they don't do.  They are VERY rigid and at times can be difficult to deal with.  I stay under the radar as much as I can as they are notorious for cutting people off and not thinking twice about it.  You really do not want to bring negative attention to yourself as it might come back to bite you in the end.  I'd concentrate my energies on issuers with more liberal business practices if you want generous CLI and the like.  Chase is just not one of them.  Tread lightly and they'll treat you well.  I, myself, have a number of accounts with them as I like their products and feel they've treated me very good considering.   Just my two cents and you can take it for what it's worth but, honestly, who needs the aggravation. Agree 100%. I was lucky enoug to get a starting limit with them 4 years ago with a 7 yo BK7 still showing. I got a 5K increase to 10K the next year like almost 3 years ago. I just don't want to mess with them and in my circumstances taking another EX hard inq for 5-10K at most just doesn't make any sense. They are just OK I consider them a prime lender along with AmEx and Citi but they are nothing special. I stay under their radar use the card every 2 months and have no problems.   ... View more

They did not match my Citi limit which was at the time 15K. My initial approval April 2010 Blue Cash was 10K. ... View more

Credit pulls for rentals utilities phone that sort of thing is a fairly recent development. I guess some of these jokers think because they can pull means that they should. Actually they could probably get enough info for their purposes with a soft pull but most probably don't even know the difference.  ... View more

Chase won't backdate. They don't even offer me a luv button anymore. ... View more

FWIW my daughter got a 2K approval for AMEX Clear with no credit cards other than 2 AU (mine) showing on her reports. ... View more

Chase is a PITA. The loan is not in arrears. My kids all had similar entries on their reports and had no problems getting cards from Citi and AMEX. I would app for the AMEX first. ... View more

Get a card with Citi and see if there is any way you can qualify for membership to Navy Federal. You might get a nice starting limit with AMEX as well. ... View more

Quizzle is Experian and Credit Karma is TU. Both are quite a bit lower than my "real" scores. My Quizzle has been stuck at 736 for a year. Actually they scored me 736 with a soon to be dropped BK7 still showing last April. This weekend's pull showed 736 while PSECU a real FICO scored me at 787.   Credit Karma has me pegged at 766 for nearly a year. My TU FICO 98 has fluctuated between 785-801 for the past 6 months or so.    Basically all of thes FAKO scores are for entertainment purposes. I am beginning to get the same feeling about TU 98. I get a free EX from PSECU and spring for the discount EQ Scorewatch $69.95 annually. Those two are enough.  ... View more

Congrats. It seems as if AMEX has loosened up a bit the past year. You don't need upper 700's to be a good credit risk. ... View more

I agree with you. FICO needs to score these requests for utilities and services differently than applying for cards cars mortgages and the like.  ... View more

787. Kind of hard to game this score since 3 out of 6 of my cards cut anywhere from the last day of the month to the 3rd. You never know when PSECU will pull and you can't be sure when all these cards will report. Still 787 is OK by me.  ... View more

lol ... View more