The Fico Forums - Financing through Toyota Financial.

Opened 12/22 - $2K recon to $5K. From now on when I see a post from @_ptatohed I'm going to have to run the other way. The application process was easy and less than 5 minutes and I was approved no documentations required. Chase credit journey should have cards under offers if you are eligible. FICO score ranges between 300 to 850. -Credit scores were 734 TU / 735 EQ. If you've been approved for them, they're going to appear in your report. I got a Citi American Airlines offer with 60,000 bonus miles. Re: Wells Fargo Credit Card Data Points Needed for Approval. I did the prequals on their site for their cards and was offered a couple at the highest APR. Yeah, unfortunately, it's legit-- but there's not much you can do about it aside from remaining hyper-vigilant with your accounts. 6 months into the loan you will have paid off $635. I declined, but did go with Prosper for a rate of 7. 3) Reported balances should be "low". Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727 April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812. Equifax website stated the PIN is valid and now I have an account. She rejects me over and over and when I'm ready to leave and walk away, she randomly reaffirms herself to me with a small CLI. Usually it's my gas stations card, and I'm spending money in gas stations every day. Approved instantly for the full amount I requested. I purchased an updated report only to find …. 'Less than great' credit caused by my Paypal Credit acount starting to report to the bureaus, resulting in about a 50 point drop which spiked my utilization. We owed almost $50,000 in credit card debt on 17 accounts. 49% when my utilization was still at 88% (approx $49,000). 5% return into my Schwab account. It has been my slowest CLI card along with Cap One. Re: How to request amex cli online? Yup and just pay all of your balance before doing it. Most creditors don't go purely off of scores, so having many inquiries beetween 12 and 24 months old can still hurt you. Synchrony GAP Visa, opened 4/2014. 9% utilization is considered maxed out. I believe when you get them here you will get a ton of different Fico versions. 0! FICO Falcon Fraud Manager, the standard in transactional fraud prevention for more than 30 years, has a new release – Falcon 7. Subscribe to RSS Feed; August 28, 2023 FICO 8 August 28, 2023 FICO BankCard 8 August 28, 2023 FICO Auto 8. CC applications denied due to "too many inquiries in the past few months" even with FICO 700+. It's amazing how much knowledge I have gained from you all. Both my oldest credit card and my newest are Synchrony. It is our belief that through credit education and taking greater individual control of personal finances, consumers can. For me MyFico EQ and Quizzle, Discover's TU Fico and CK/Cap1 score tracker and Fako EX from CS are all within a point range of 10-20 points and in the same "category". To me MyFico forums has been a bit of a gold mine, much better than r/creditcards. Re: Product Change from QuickSilver to Venture One. If approved, you have to wait 181 days to request again. I have a Lowes credit card through Synchrony, it's been open for about two years, CL of $6,000. This is backed up by experience of DW. Jan 1, 2020 · My 2019 Challenge went quite well. Fico 08, and 09, being used by most who may pull a score. Starting Score: EQ:608, EX:617, TU:625. Capital One Savor One Approval $8k SL. If you’re a guitarist looking to expand your repertoire or a beginner eager to learn new songs, finding reliable sources of guitar sheet music for free can be incredibly valuable. Then just reply to this topic, telling us a little about your financial situation, your goals, and how you plan to achieve them during the coming year. It isn't the pre-approval that is hard because they will pre-approve with abandon - never checking documents (tax returns, w-2s or 1099's, bank statements etc). I have all my credit limits above $9K (and a couple at $20K on the high end) across 7 cards (except on my newest Marvel CC). There have been many examples and they …. The technique is to add a small "share secure" installment loan to your credit profile. Change your usernames and passwords; if your email address is one of the items of info found, change that password too - make them difficult. I've been reading the posts in myfico forum for a while and decided to finally create one. Computer etiquette is the proper way to communicate while interacting with people online. Credit one credit card first ever card. Feb 22, 2015 · These are sometimes listed on the tri-merge mortgage report as follows: Equifax/FICO classic V5 FACTA. Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus. History 3 years 3 months, 19 revolving accounts, 17% utilization. 2) Transunion/FICO Classic (04) Note: they have been commonly referred to on the myFICO forums and elsewhere as: EQ 04 aka FICO 5 (on the myFICO report) EX 98 aka FICO 2 (on the myFICO report) TU 04 aka FICO 4 (on the. some of the offers were labled as "for good credit". Personal spend: Amex Gold, Amex Schwab Plat. Good morning everyone! I am very excited about this challenge. For monitoring what is on my reports I like the free services and maybe paying once year for the 3 bureau reports on my Fico when there is the promo is just fine. I decided to press my luck for the Platinum Rewards about a week later. The age of your oldest account and/or the average age of your accounts is relatively low. danbury backpage here are the differences between the companion and the additional. - Fico penalizes if either individual card UT or aggregate UT get too high. I see the exact same thing on the IOS app. Jan 11, 2024 · Income north of 6 figures. My original plan was to wait til Spring and get a 2021 Acura TLX Type S but with the economy the way it is I didn't want to get stuck with a high car payment. Not sure on membership requirement. I applied for this card on Sunday, and got this message "We need to verify a few pieces of information before we can give you a credit decision. Just received an email today congratulating me that my Cap One Quick Silver has been upgraded to World Elite Mastercard. Just waiting on time to push me into the 800 club and age out the last couple of baddies on my reports. @Wqadir1988 wrote: Applied fot it on the Imprint app, was accepted after uploading front and back of photo ID and a video selfie on april 27th, recieved card on may 4th, used it on UPS store for $6, and HEB store for $87. Use that same pull for up to 90 days on their credit products. , cards using payment networks such as Visa, MC, AMEX, and Discover) or store cards/PLCC (i. The benefits appear to be almost identical to the vanilla Autograph, except for better travel protections (trip cancellation, lost baggage and accident insurance), a $95 AF and a 60K point SUB after spending $4K in 3 months. Nov 4, 2014 · This Personal Finance board is your place to discuss personal finance topics that don't fit in the other boards. Here's my history so far with my Sam's Card issued by Synchrony: 7/11/22 Opened card with $8000 limit. Feb 2, 2024 · BofA Customized Cash Rewards. 2 weeks for the 5000 points to be taken into my account, also I can receive x5 points in my next Apple …. I was approved for Citi Custom Cash with ~6k starting limit. Thanks all!! Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000. I have one collection on my account for $79 which is about two years old. 0 but was about to make a big purchase using paypal so I applied for the paypal mastercard and was approved for 25K at the lowest intrest rate. Take the myFICO Fitness Challenge 2024! by Kenny on ‎01-01-2024 06:30 AM Latest post on ‎04-19-2024 03:58 AM by Anthony101990Jones. While in a variety of cases Chase may have approved specific profiles, that doesn't translate into all profiles. Credit Scores: (FICO 8) 850 Experian September 2022, 844 TransUnion October 2022 | (FICO 9) 844 Equifax October 2022. Even though trademark filings aren't always followed up with new products, Wells Fargo may be expanding their Auotgraph brand "beyond" their original card, similar to. Anyway, just a heads up for those who didn't. The other possibility, not always mentioned, is any missed payment history on a student loan, even though the government told. But still negotiate like a mad man. My Discover is scheduled to Graduate on or after October 16th. (3 Items) FICO Scoring and Other …. When its time do i have a better chance calling the lending. Was initially advised of the 7-10 day message. Double Cash and Custom cash are much easier. FWIW, FICO is definately being tweaked. People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. I got this card back in February of 2019 and it has been stuck at $1K. Congratulations on your Prosper approval! Current Cards (in order of approval): Current FICO 8 | 9 (February 2024): Credit Age: Inquiries (6/12/24): Banks & CUs: Message 6 of 18. Chase's 50% rule applies to new accounts too. vore games aryion Make sure you don't have any freezes on the other reports. Congratulations on that nice approval. They said my score was 669 if I remember correctly through …. † Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation. As a result, they often have difficulty qualifying for loans. However, my credit limit with the Customized Cash Rewards Card has been "frozen" at a $2,000 limit, which is annoying. I am taking serious steps to not make the same mistakes again and clean up my credit. @tiniwings wrote: US Banking offers are new experience compared to other countries, We get paid for opening new accounts/credit cards!! Look for account opening Bonus offers , you can get Bonus amount $$ for opening Checking account with direct deposit. Inquiries: 6/6mo 7/12mo 7/24mo – Latest inquiry: NFCU - Approved 01/23. com is a popular online forum that caters to the automotive enthusiast community. High achievers analysis was completed using April 2012 data and FICO ® 8 Scores from a leading consumer reporting agency. 6% number came from the 2006 lawsuit in which FICO sued Vantagescore. I received a invitation to apply with a sold APR of 13. For example, I can still go down to 550 on VA and down 500 case by case. Yet, in November of 2021, I was approved for a $5,500 Venture Card and $3,300 Amazon Visa. Re: What is the Highest limit for Lowes. Soooooooo, thank you FNBO $15,000 credit limit, I went for the free card instead of the AF card. Started out at about $2500, but with time, I've been able to get it up to $18,000. October 7th, the day after 5th statement closing and having the FF for exactly 6 months, …. myFICO® Forums; FICO Scoring and Other Credit Topics; Credit in the News; Wells Fargo introduces two new Choice Privileges Options. Penn State Wrestling has a rich history and a dedicated fan base that spans across the globe. I know those are great scores, however I am curious if anyone has any experience in how long it takes to get the 850's again on FICO 8 with a new mortgage. Instantly approved 4k - Soft Pull. This is a guide to help you navigate this awesome community. I'd love to have that in my wallet! Lol. Generally, having a good credit score pays off because it shows to lenders and credit card issuers that you are more likely to pay your loan back, and thus less risky to lend money to. While FICO® Scores are the most commonly used credit risk scores by lenders in the US, lenders may use other scores to evaluate your credit risk. 5/2/23 $5000 CLI (new limit $21,000) asked for $30K. FICO 9 (2/17/24) EX 821 EQ 778TU 850. It is now called the Companion Platinum. At the end of Chapter 13 when is it safe to start You can recover from bankruptcy with hard work and support. DP that I wasn't tracking for new accounts. If you're interested in talking about credit card applications, check out the credit card application board!. Oct 19, 2023 · Re: Chase Sapphire Preferred (CSP) approval. I've had my LendUp card, now Mission Lane, for close to a year now. Hey guys! I've had a credit card with my credit union, SkyOne, since I started rebuilding five years ago. I had an unpaid bill with Sprint that was sent to Convergent Outsourcing. Starting Scores (01/23): TU-522 EX-535 EQ-508. Whether it’s done in an email, a chat room, a forum or a blog, there are certain things to. High Bal Jan 2009 $116k on $146k limits 80% Util. com/s/ask-a-question/xpress-optimization With the …. But all good news, more slow (but steady) growth on both cards to the tune of $1,500 increases for my Custom Cash and Double Cash. They haven't announced what specific cards/rewards they're offering after the Elan switch yet. At FICO® we strive to delight our customers and offer industry-leading technology to drive business outcomes. Are you facing technical issues with your HP device? Look no further than the official HP Support Forums. We want to introduce you to FICO® Decision Modeler, the next evolutionary step from FICO® Blaze Advisor. Just looking for any data points and if anyone has any experince with this card. Some blemishes on credit (1 repo, 2 charge offs, 1 to CO to collections) but all are 4+ years old at this point. Best Buy CC (not the Visa) just gets me 5% on purchases there or no-interest financing for 12+ months. Specializing in VA, FHA, USDA & Conventional loans. If you Google Fortiva GW success myfico. Ok I know this is the dreaded card after reading some posts on this forum. Because this is a FICO sponsored forum, I'm not even going to mention them. The last tax bill gave a home value of $180K (although, according to a local realtor, we could easily get twice that!), and we applied for $110K, for 30 years. I'm in a current rebuild and applied for the savor one. Collection email on very old credit card. , cards that can be use only at one store. when you ask for CLI's, always ask at least $8000. I recently just co signed on an auto loan in …. Re: Approved for the Prosper card. Requested CLI 4/27 - SP $22K requested $25K and countered at $22K. The scores you get from this site are real Fico scores. I had maybe 1-2 inquiries, no CAs, a redeemed repo with lates from 2005, and two CC lates from 2002. Re: Recent VA Loans? - Anyone Applied or Approved. Certain changes to your credit report can cause you to lose a huge number of points on your mortgage score while you lose none on your FICO 8. Hello all started the rebuilding journey in Dec 2023. I started this journey with a Bloomingdales store card and determination to get to 25k! Back in November I got the offer to upgrade to the Bloomingdales AMEX. com in Jan 2023 - card approved with 1k CL. Hey everyone! So, I'm thinking about adding another "store" card to my arsenal. That takes it from $7,000 to $11,500. I saw an ad on credit karma for the Sallie Mae Evolve credit card. Total Revolving CL- $204,500 | Order of Opened Cards. A Disco CLI Valentine's Love Story. attalla obituaries As a rough guideline, you need less than 1-2 inquiries in the last 6 months and you need to have some utilization reporting across maybe 2 or 3 cards or so*. I'm thinking they pulled the last reporting, and most of the recent …. FICO 8 (Sept 2022): EX- 706, TU- 685, EQ- 684. Navy is a little different in providing access to both a Vantage and a FICO score. myFICO is the consumer division of FICO. Free Mortgage Advice & Pre-Approvals (FHA, VA, USDA, Fannie, Freddie, Non-Prime, Construction, …. WFNNB: Okay post bankruptcy (Perhaps not if IIB) Barclays: Decline, reason bankruptcy (3 years after bankrupty discharge) Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Hello and Thank all you great FICO Forum contributors. The plan has been to apply - 6659839. May 25, 2022 · Bilt Rewards Approval. Dec 3, 2023 · Re: Amazon Prime approval. Re: Synchrony -- didn't just poke the bear; I whacked it with a club! @BachChaconne wrote: Up until last Sunday, I had the following Synchrony products: Paypal credit -- opened in 2019 and stuck at a 2900 CL. Just opened membership on Monday, and put in 2000 into savings account. A low score, such as 500, could result in much higher interest rates or having your application rejected outright. (Kudos and thank you to forum member Sylviatob, who authored the original version of this fabulously helpful thread). It took my attention that some banks provide faster external transfer (ACH) e. Currently my debts include student loans (IBR), mortgage. Active Cash is a pretty good card, and my starting CL was $4,500. 5% (yes thats a period infront of the 5) Total Overall Credit with CLI: $71,450. Congratulations on your graduation, CLI and approval! For your reading pleasure. myFICO® provides the myFICO Forums as an educational and entertaining platform for U. Since joining Redstone FCU, I've been relationship-building with some ongoing deposits, expanding savings, etc. If you're not crossing a threshold, you won't be getting points. At Jan 2023, my FICO 8 (EXP) was at 567. I really dont care about the IHG part but the $1,400 SUB is very attractive. Thanks to this forum I've made some strides and learned so much but I would like some feedback as I continue my credit journey. Run through with a pen and make sure that ALL accounts that were included in bankruptcy are noted as:. New here just joined, but have been reading great info here for years. My second goal is to retire early- before 55 if possible. florda man october 10 My scores were as follows: Year and a half ago got laid off and defaulted on multiple cards / loans. I received alerts (from my EX monitoring) the collection had been removed. Go to home page, click on credit cards tab at top of screen then click prequal on right of screen. myFICO is the only service that will provide all 28 FICO scores. Hark, what do I find today, a letter from JP Morgan Chase reducing my credit access line for lack of utilization on my Chase Ink Business Cash account. Sharing my recovery after BK from learning here. Starting off the new year with a bang, having not applied for a card in years, but we do go to Universal Studios. You can accumulate rewards as long as you keep the card or service, but you pay your Cellphone bill every month and reward can be credited toward that monthly. The score you get from your Discover card is also a true Fico but Transunion so there it will be a difference. Happy Sunday! I applied for the Chase Freedom Unlimited card this morning and was approved with a $13,200 SL! Then I flew a little too close to the sun and tried for the Sapphire Preferred and was straight up denied. Sep 10, 2017 · MasterCard Black?!?!? So I got an invitation in the mail for THE Black Card. If you are able to bring the utilization down to below 48. Because FICO score is NOT everything. I'll be curious to see the letter when it comes. 2% Cash Back on Everything Else - Chopping Block -. vic cundiff the amount of credit available) on every credit card except for one—a card she didn't even know was still open. OP, many have had success getting it deleted, but they will not do PFD. By disputing accurate derogatory information, it will be updated and drop your FICO score. What are my chances applying for a card from Citibank or US Bank in January 2025. And the myFICO community forum is an excellent place to get insight from others to understand credit scoring and advice on handling certain situations. Re: FICO score decreased after paying down credit card account. Turns out they just wanted a copy of a ID. 0 was 522 and all I had was two accounts in collections, nothing else. I'm grateful for my progress since my Chapter 7 bankruptcy was discharged in June 2021. It seems like an interesting card with the SUB. I understand that paid amounts will get removed, but my questions are about unpaid amounts under $500. (3/2024) FICO 8 (EX) 846 (TU) 850 (EQ) 850. i think i made a mistake in taking the quicksilver WEMC labled for good credit. You might want to make a post in that section of the FICO forums and ask if anyone has had recent success doing a PFD with them and/or ask what you can do to prevent them from constantly reporting you late each month. 5% on a couple of 10k loans and one 20k loan. AMEX CLI request chances ? Im looking to do the 3x CLI on my Investor card, I wasnt eligible at the 61 day mark and im approaching the 91 day mark. Just want to be sure these are the same. 50 per month) This fee is not billed for the first 12 months your account is open (how generous of them! " Your initial available credit will be only about $525 " (because we eat up the other $175. Bank of America Unlimited Cash Rewards. About 4 years ago, I realized I needed to figure out how to recover from bad credit. I don't know which bureau they pull for CA residents. Does making multiple credit card payments …. Just applied for the new unlimited cash rewards from BofA, since they had not given me a cli on my customized cash rewards since my sl of 3,500. I got preapproved for this Credit One Platinum card with a $75 first year fee and then $99 a year after (billed in monthly installments). When you get the platinum card it looks like you get priority pass select. 4/21/22 Checked online, Approved CLI +$8. I was opening several checking accounts recently and now need to close several. r/Fico: This sub deals with questions regarding Fico algorithms & scoring. On April 19, 2024, your FICO score was 670. EX FICO 9 801 as of 05/03/2023. That was to be expected, as I leased a new car, then another car loan a few months later. Although my actual score was 737 the score they pulled on the Amex app was a month old, 708. Back in August, I decided to pull my reports and start learning from others peoples strategies and experience. Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640. Total Synchrony credit limits lost: $38,410. Ally Everyday Rewards MasterCard: 3% back on gas, groceries, and drugstores. 90% of top lenders use FICO Scores. Having read the press releases several times, I am still not clear about the new rules. Remember these individual utilization thresholds: 28. AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver …. Re: Started the prequalification process today. Applying for a credit card can be exciting, frustrating, stressful or enjoyable. Very low (unplanned) utilization, I believe only two cards were reporting. Now all the other criteria include for the applicant being at utl9% and minimum 3yrs of AAOA. No other "relationship" with WF. Double Cash is a good card if you're looking for cash. The mortgage models can be very different from FICO 8. On 10/29/23 I signed into Transunion (online) and started a dispute, Filled it out as follows. Congratulations on your BofA CCR approval! It's an overall solid card! Last month, I applied for and received the Bank of America Unlimited cash rewards and was approved for a $22,500 credit line. I plan to pay $5000 of the balance at the end of June. ) SCSCU Gold: 12/20- $1734/$3000 ($1250 of this is from a recent group airbnb reservation. I'm rather new to improving my FICO score so all ideas are new ideas to me. On July 1 evening, I agreed to purchase a new car from a dealership and filled out their handwritten credit application with my income as $8,000 monthly. Equifax requires a PIN for verification, so they mailed it to my physical address. Starting Score: 800 Current Score: 836 Goal Score: 850 Take the myFICO Fitness Challenge. TU score has increased 11 points over the - 4173973. I was doing SO WELL with my rebuild. I calculated that my single DTI should be 43-45% worst case. 0 Experian®/Fair Isaac Risk Model V2SM TransUnion FICO® Risk Score, Classic 04 These - 3817869. This was my first (and hopfully last) Citi card. She then transferred me to a manger who explained to me that "we dont give CLI at this time, maybe in the future". FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring. I only keep it open because it's one of my older cards and helps on the AAoA. Welcome to the FICO® Xpress Optimization page! Our goal is to establish an engaged community of FICO optimization product users who will share …. BMO Cash Back World MC 12/22 - $3K. A forum thread discussing where free FICO scores can be obtained is available here. The 100,000 UR point - 6383619. Re: BOfA Cash Rewards approval odds. I remember that early Sunday morning well as I nervously anticipated our first post, which naturally came from an IT guy (not Tuscani, if you can believe it). Much of the survey centered around questions if the Flagship was upgraded in rewards and perks. by Johnmccoy2710 on ‎01-29-2024 01:24 PM Latest post on ‎02-13-2024 12:15 PM by Rogue46. Lol! I usually am very agressive and ask for $25,000 or $30,000 and then each time I get a little closer to that amount. Current Score: 689 Ex 684 Eq 698 Tu. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687. 49% but I don't plan to carry a balance. With a wide range of topics and discussions, it provides a unique opportunity for bus. Navy Flagship Approval! Had been eyeing the Navy Flagship for months and was declined a while back because a collection I was unaware of hit my credit. LightStream Home Improvement Loan. Since this is my first time trying to improve my FICO scores, I could really use some help. 10 "classic" 3 points lower on EQ, 34 lower on TU, again only difference is number of HPs. The one that I have my eye on is the Saks World Elite MasterCard by Cap1. Highest reported credit limit: $58,000, according to a member on the myFICO forums. Enclosures: [List only those items that you are enclosing] A copy of the law: FCRA § 609(e) (15 U. Re: Credit card advice and recommendations. While I did burn a few bridges during my bankruptcy and had about 100k discharged, I'm now back on top. Assuming, of course, that it is available. (DV's are never sent to the OC). Increased security with 16-digit card and chip technology. Chess puzzles are a fantastic way to sharpen your skills and challenge your strategic thinking. Jan 13, 2013 · The Definitive Amex 3X CLI Guide. Although removed, your report may not have officially updated yet, thus refleting an inaccurate score. Current have $27,500 in tradelines with Synchrony ($20k Verizon Visa, $7. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685. Conversely, one of the easiest ways to see your FICO scores tank, is to "max" out your CC's (this means 90% of util). clif high newsletter Re: Credit card apps via CU membership. It is better to know your scores before you speak with a LO in my opinion. Realistic Timeframes/Expectations for rebuilding? Long story short, post a layoff (and serious lifestyle creep prior to that), ended up in some financial binds. Sep 14, 2018 · Hello and Thank all you great FICO Forum contributors. piney campground reservations When I recently apped for the Freedom, about 6 days ago, I was approved for less than my two other cards at $7,600. 6% of situationsnot very useful. New here and wanted to post this question. My eyes are on Citi Custom Cash Card or. My monthly payment was around the same ~$890/month. Keep your balances below 68%, try to pay it off as you use it, but they dont mind if you carry a balance (its @ 29. 625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014) Goal Score: 700 Seedling again as of 07/29/14. It probably had some out of date info anyway Thought I would start a new one since it seemed to help a lot. If the OC doesn’t own the account, then the OC isn’t going to be able to do anything for you. fun suits for guys Custom Cash is probably the most frequently used card in my wallet. highway 380 accident today 2022 Re: American Express no longer offering FICO credit scores? On the desktop version, I see my EX FICO Score 8, last updated September 26th, 2020. Last edited 06/29/2018 to add info on Capital One, NFCU and Chase. First application, Fico a wee bit over 800. I just put like $20 a month for some coffee and snacks here and there. Currently hold the NFCU Flagship card. The 'All at less than 9% Utilization' experiment. These platforms provide a space for individuals to connect, share ideas, and e. Enjoy using your new card! FICO Bank …. They are not necessarily a measure of your experience with auto loans as much as an assessment of your credit-worthiness for an auto loan. In my app on the phone I have to click on my credit card then "show more details" and then there is an option to click on my free FICO score. 7 in a half years ago had a heart attack and tanked my credit. I recenlty applied for and was denied a credit approval for some of the well known travel rewards CCs. It's a super basic classic visa, but it's a fixed rate card at 17%. It’s always helpful to get a little advice before committing to an auto loan. Mar 14, 2024 · Re: 10 Months in the FICO Penalty Box - Finally Made it Back to 850! 760 or 780 and above is the same as 850 for lending, but what an over 800 score does that a 760 doesnt do is give the person some room for algorithyms to flucuate and still be in tier 1. A past due account can have hard-hitting consequences. So I asked for another CLI last week and. "lab services agreement" and PayPal Credit I believe offers no interest financing for 6 or 12 months. Current usage: $3k out of $75k limit (Most of that on a Citi Home Depot card bc of 0% for larger purchases) Current credit cards: - Home Depot Citi, $6k. I was told that if I paid them directly they would recall the account and it would not be reported on my credit reports. Age of my oldest active CC account is 48 month. Took about thirty long, long seconds and then I saw “Congratulations, Your Application has been Approved”. Citi Double Cash is just a straight easy 2% back, there were no benefits or credits for opening it. They gave me a crappy SL of $500 but I'm happy to have the chance to get into the chase ecosystem. I got two Chase prequalified letters in the mail today for Freedom Unlimited and for Sapphire Reserve. Over the ensuing weeks, it got back a measly 3 points up to 581. Interestingly, the email specified an initial $5K limit but, upon logging in, I …. It was announced with the AU fee increase last month. If you have a loan product, you also have access to the FICO 9 score on their website. I also had to give them access to my banking history. oprah gummies walmart Hey Forum, Just leaving more data points here. Said if I sold the home, I get 100% of equity in the home. Experian FICO 8: 826/2 inq’s 1/12, 3/24 Equifax FICO 8: 820/3 inq’s 1/12, 3/24 Transunion FICO 8: 821/2 inq’s 0/12, 2/24 AMEX Platinum: NPSL AMEX Gold: NPSL AMEX Everyday Preferred: $22,500 Capital One Quicksilver: $5750 Numerica Credit Union Platinum: $2000 Military Star: $8300 1% utilization. Citi has also only pulled EQ for me. I received my first Dark Web alert in 2017, and still receive alerts. I currently have about $1k on the card. NFCU MR: 11/20- $5231/$7000 (I mistakenly made a big purchase right before the statement cut this month. Penthouse Letters Magazine can be read for free on websites such as Magzus and Magstack. So I want to apply for the Unlimited Cash Rewards Card, I've had a BofA Account since 2009 and the Customized Cash Rewards Card since 2013. Feb 18, 2022 · All AMEX Plat primary cardholder cards are expedited. Membership requests are reviewed and processed within two business days. They have serviced Target cards for as long as I’ve had one (since 2012). Don't get too in love with FICO score, or any credit score for that matter. Highest Discovercard limit I've had? $52,000. In the past year or so, American Express has started to deviate, at times, from making account holders wait the 61 days to be eligible for a CLI. Initially, gamers often turned to forums and message boards to meet these needs — until Discord arr. Ch 7 BK Filed: Apr 2015 | Completed: Aug 2015. Current Score as of March 2024: EX 661, TU 624, EQ 655. If you have nothing to do and are curious, check the Work Number to see who has accessed your file!. Congrats on your Chase IHG Premier Business Credit Card approval. Last year, on my oldest CC Texaco Synchrony card, they reduced m. Platinum Honors - $100k + gets you 75% rewards booster. Dec 12, 2018 · Latest Topic - April 2024 Check In Thread. Last time I looked (3yrs ago) the credit thresholds to target so you can get a point boost were: Scoring Thresholds. I am satisfied by this: No real change. Established Contributor Mark as New; …. In short, 2018 was a bad year and my credit suffered - 6736450. Decided to try for this card since it was a Visa Infinite with only a $390 AF, - 6729104. Re: Citi Platinum AAdvantage Approval. I pay for the $40 a month MyFico to be able to see. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO® Forums. Bureaus are required to give you a full report once per year at no cost. Generally, anyone who has a credit score below the “good” rating is considered to have low credit. You will probably see 200 - 400 increases about every 4-6 months with continued responsible use. Limit one increase every six months. Adding looks like they pulled only Experian. Zero percent APR on balance transfers for 15 months if completed within 60 days. pccsk12 mistar I recently paid off 4 card balances, Capital One $275. From the perspective of the CRA: Zero balance ---> You are not using your credit ---> You are an unknown quantity ---> "Risk" is higher ---> Therefore, lower your credit score As previously mentioned, this is a short-term point loss. AVANT unsecured: $300limit and $69/yearly fees. The nice lady told me that they are a non - 5287781. My EQ 5 was 685 as of Jun 19th. I am disappointed with the low starting limit, however my BCE had a SL of only $1K and has …. Got a phone alert from Credit Sessame, "score drop". Current Score: EQ8 771, TU8 762, EX8 774 as of February 20. Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC …. It's Amex's highest AF Charge Card, which makes it their 'top tier'. I can tell you the mortgage scores here on myFICO are the same exact as what we pull though, assuming both are checked on the same day. Instead I lost 16pts on one of my FICO8 scores and anywhere from 21-28 on my FICO9 scores just going from $100 and 0 to $203 and $23 reported on my 2 CC accounts. I'm suspicious this influences a lot on the CLI than any other factor almost. I have been reading these post since the day I joined in early September. Jan 1, 2024 · Take the myFICO Fitness Challenge 2024! by Kenny on ‎01-01-2024 06:30 AM Latest post on ‎04-19-2024 03:58 AM by Anthony101990Jones. I decided to apply for the Pathfinder Rewards Visa Signature on 13 Jan 21. I have their Gold Visa which earns no rewards of any kind. I typically have between a $1000-$1500 balance. My company is also licensed in 12 states, Arizona, Colorado, Nevada, California, Oregon, Washington, Utah, Alaska, New Mexico, Texas, Illinois and Florida. If you can stay on the train long enough, you might get an. My plan was to ask for one more CLI, and sock drawer the AppleCard after that. paris the muse mini stallion The only one that doesn't usually do it is Amex if you already have an Amex card. The credit pulls data base is a good place to check. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Got a divorce and ex-husband didn't pay the house mortgage for a year (he was living in the house). Some with 20 yr old cards cant even get a $100 CLI. I do still find value in my Amex Platinum, but would be just as happy if they took away many of the credits and charged $400. And just got the Chareles Schwab platinum card 5 weeks ago. Also, I am excited because next Friday, I will. FICO® Blaze Advisor® User Forum. They issue and service credit cards for smaller community banks and credit unions who don't have they resources or economies of scale to provide those services. To receive a free Humana Big Book, first visit Humana. Re: Amazon CLI denied; interesting reason. I have been a silent student here in this community for about 2 years. On January 17th 2020 I was a approved for Navy nrewards card graduated on August 20th to the cash rewards which at that time changed it to - 6413389. Business Cards Length of Credit > 40 years; Total Credit Limits >$850K Top Lender TCL - Chase 156. its been stuck in the bucket with a $400 credit. Once you get this high, you have excellent scores regardless. I opened a savings and checking account with them in 2018 and just left it there. You can pull your own consumer mortgage score (soft pull) right here under the products section. shana taft 1035 calle deceo Income $120k Experian: 757 Equi: 741 TU: 741 Average age of accounts:4. Typically you'll end up on the target train after the first increase and get a few increases in a row, once every 3 months. In my wallet: Apple $5,000, local CU $15,000, Bread AMEX $5,000. Credit Scores: (FICO 8) 846 Experian March 2024, 844 TransUnion March 2024 | (FICO 9) 850 Equifax March 2024. a 15K loan for 6 years is a payment of around $380 with only about $100 going towards principal your first month. It doesn't say anything about me being prequalified anywhere but it says "You're invited to become a Luxury Card Member". I cant even get approved for a Capital One Secured card. There are plenty of DPs here, Reddit and FT. Topics include how mortgages affect your FICO Score, applying for loans, understanding different terms and more. Someone please give me a better understanding of the AZEO method. Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts. I haven't applied any personal credit cards since the app spree back in Jul 2022. NO DICE! That is until two months ago. I've had my Amazon store card for about 8 months now. FICO utilization is based on your reported balances. craigslist free stuff gainesville If you use Experian you also get the Fico 8 classic but only 1 score. When I first started with Amex, agent called my bank while I was on call with her; she did not seem to care about the balance. February 05, 2018, by Tom Quinn. HAPPY NEW YEAR 2021!!! My 2020 myFICO Fitness Challenge started just a few months back, but the improvement has been unprecedented! I have to thank everyone here that is willing to help with valuable info, suggestions, strategies, moral support, personal experiences, and the whole nine yards! Check my last three months, versus 1/1/2021's update!!!. Citi Simplicity requires a pretty high score on average. Highest reported credit limit: $80,000, according to a post on the myFICO forums. Since FICO is meant to be a predictor of creditworthiness, I think it is expected that not making a payment on time should have a negative score impact. She then transferred me to a manger who explained to me …. The term “pm me” is a common Internet expression, frequently found on forums, which means, “Send me a private message. Send a DV letter CMRRR to the CA. I requested a small loan of $5500 and was approved with an interest rate of 21%, although high—not terrible, considering I have CCs with higher rates right now.