trinigal wrote: dog wrote: stop it trini, you are turning me on. Dog, what can I say....it's friday night Careful.... we don't want this gal upset! :p   ... View more

But if all they use is last year's tax return, they won't see HHI. So hmmm... what gives? ... View more

Pizza, that 9.95 is only for Transunion report and scores; a blatant ripoff when you compare it to the 14.95 for all 3.   Not to mention, you can get the 3-in-1 deal even cheaper than the 14.95; use the Walmart link and pay only 11.21 for all 3. ... View more

roscoe211 wrote: I was stuck at $500 with Cap1, I called them to close the account, they asked why, I told them because of the crappy CL. They offered to raise it to $1000, I said not good enough, please close the account. A week later I received a letter in the mail saying thank you for not closing your account, we raised your CL to $4500. Might want to give that a shot. However be ready to walk away from the card if they don't agree to raise it. How old was the account when you did this? ... View more

::chanting:: Way to go, Pizza, way to go! ::drum - bom bom:: Way to go, Pizza, way to go! ::bom bom:: ... View more

I didn't overdo anything as I didn't give a number or reference as to how much it would increase. All I basically said is that yes, balance reductions do cause some point increase, but it's not counted near as much as revolving balance. Kinda the same thing you said...  :)   However, my report is still a hard example.. I recently disputed a balance on a small installment loan and the bank didn't respond in time so Transunion deleted it. It was my oldest tradeline and left the rest of my report with an average age of ~5 months. My score jumped 30 points. Maybe that's not so telling in itself, but through griping at TU and letting them know that the bank did report monthly as usual and asking them to count that as the response worked - kind of. The TL is back on there, however the balance is still wrong; it now says 0 balance. The score? Up another 5.   There's something to installment balance, even if it isn't as important as revolving.   ... View more

  ah32 wrote: What is a FR? The one thing that irritates me about these message boards is all the abbreviating.  Like we don't have the time to write two extra seconds to save others from having to go back to the main page and read under the abbreviations subject only to come back and write a question asking what a FR is?  I do appreciate everyone's help.  Just wondering if it's too much to ask to spell a word out once in awhile.  IMHO, it takes more time deciphering how to write a PFD to the CRA's on derog TL's I need removed because the SOL has passed since the DOLA.  Double BUMP.  I know what most of those are, but could you please tell me what 'IMHO' means? I'd rather not have to go look it up!   :p  J/K ... View more

On the other hand, if they don't respond the TLs might be deleted. ... View more

Adding my congratulations as well!!!      By the way, for the rest of you... that picture he showed is not really him. He's just trying to be a tough guy! He showed me the real him and here ya go.... he's even wearing his helmet as he races through the boards and credit card apps!                 ... View more

LOL Lori... it really is Bloody Mary. It goes back in time many many moons and is older than the 'redrum' from The Shining. Bloody Mary is the ghost of an evillllllllll woman.   Too funny... just bringing back the memories and remembering many times in the bathroom and flushing the toilet, saying it over and over, and then splashing the mirror with water, then my brothers banging on the door at the same time or something and scaring the beejeebus out of me! ... View more

trinigal wrote: But Bank of America still sucks! Hear hear!! ... View more

I beg to differ. Although installment accounts don't count as much as revolving accounts, there is some score improvement through balance reduction. ... View more

Irvin wrote: Did you edit this word or it was like this in the NYT?? "Dik**bleep**"    interesting article though.   That's an automatic FICO forum edit because the person's last name contains a not so nice slang word. :) ... View more

trinigal wrote: Their 99/500 card may be nice but.......   I HATE BANK OF AMERICA!!!! Ditto!   Let's ask them how many American citizens are being denied credit cards and mortgages and how many illegal aliens are being approved! BofA lost all credibility on that one for me - I even chose not to use them for my mortgage even though their deal was a little better than the one I actually got. They will never see a penny from me. ... View more

Check your private messages, texasrose! :) ... View more

Hang tight, texasrose; there's a DFW mortgage lender on the boards and I'll bet he would be glad to PM you when he sees the thread. I'm in the Houston area, so I'm not privy to your local programs, but he will be! ... View more

You should be OK on the scores; they are good enough to use most of the loan products out there that will let you get 100% financing.   In what part of Texas do you live? There are several programs based on geography or even the state's 1st time home buyer's plan (if this is a 1st home or you haven't owned a home in 3 years) that offer 100%. ... View more

TheNewWorldMan wrote: Orchard puts out a rather broad spectrum of cards from the "stinkeroos" that charge Statement Viewing and Envelope Opening fees to some decently respectable near-prime cards with $29 annual fees. So Orchard is definitely an example of "YMMV". Yup, all I have is the $29 annual fee. ... View more

The scoring percentage only pertains to the value of that particular area in relation to the total 100%; however, just like FICO, there are also different scoring factors within that 10%.   Tuscani is not where I got my information, but he did corroborate it; I would imagine he's seen the same patterns I have and has probably had friends in the banking and/or credit biz that corroborate as well. ... View more

FICO_Focused wrote: SoulSmilen wrote:   Your post made me think about something..   "Put pen to paper." An idiom that will someday lose it's literal meaning and be one of those phrases our great great grandkids hear and roll their eyes like we did at our grandparents talking about walking to and from school both ways, uphill, in the rain. LOL I actually did that!!!   Rob Hehe.. I did too actually, but no uphill except for the side trips playing on the way home. When I drove the same distance to show my son how far (2.5 miles) I used to walk everyday, even in elementary, he was in awe and made sure to thank me for never making him walk more than 2 blocks one year.. lol   We're raising kids who will be ill-prepared for the world without those, and many other, skills we grew up with; I won't go on that rant, though. ;) ... View more