The Fico Forums - Removing charge offs via 1099c.

I was approved for Citi Custom Cash with ~6k starting limit. 0 was 522 and all I had was two accounts in collections, nothing else. If you’re new to the myFICO Fitness Challenge, then welcome! To begin, set up your official MyFICO signature on your Profile page (Go to My Settings Personal Profile Personal Information). Re: Why are the FICO score algorithms secret? I believe the legal reason is that they are "trade secrets" (which enjoy legal protections similar to copyright for creative works), and the business reason is that FICO charges the bureaus for scores generated by their proprietary algorithms. Chase has been hammering me with pre-approval emails for the CSP lately, so today I decided to pull the trigger. Current have $27,500 in tradelines with Synchrony ($20k Verizon Visa, $7. And the myFICO community forum is an excellent place to get insight from others to understand credit scoring and advice on handling certain situations. Chapter 7 BK discharge: 12/19/22. Optimization User Group in April 2024. CLOC: current balance / credit limit. Sharing my recovery after BK from learning here. Jan 17, 2023 · myFICO doesn't regularly check this. Experian will provide all of your Experian FICO scores except for FICO 9. myFICO® Forums; Types of Credit; Credit Card Approvals; SoFi Credit Card Approval; Options. Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640. Re: How to request amex cli online? Yup and just pay all of your balance before doing it. 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. Applied for Home Depot Store Card. The World Economic Forum in Davos, Switzerland is a whos-who of political, business and entertainment leaders. Not going to lie, getting in with Chase felt like an battle at times. At FICO® we strive to delight our customers and offer industry-leading technology to drive business outcomes. Increased security with 16-digit card and chip technology. Re: Citi Platinum AAdvantage Approval. Free Mortgage Advice & Pre-Approvals (FHA, VA, USDA, Fannie, Freddie, Non-Prime, Construction, Renovation/Rehab, Commercial) since 2002. Realistic Timeframes/Expectations for rebuilding? Long story short, post a layoff (and serious lifestyle creep prior to that), ended up in some financial binds. it won't surprise me if your letter states: ~250 internal score. I've had my Amazon store card for about 8 months now. gabriel kuhn crime scene photos twitter It does have a $39 AF but it's waived for the first year. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Float this Topic for Current User; Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640 Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812. I had an unpaid bill with Sprint that was sent to Convergent Outsourcing. FICO 9 Scores: Experian 808, TransUnion 785, Equifax 822. Based on the FICO Score 8 model, individuals with a score below 670 are typically considered to have bad credit. (Example: an $80 collection appearing on a clean report. Last week, the FBI arrested a man alleged. I'm thinking they pulled the last reporting, and most of the recent …. Conversely my other two are the Sapphire $14K and CFU $11K with reported income at $58K. (Kudos and thank you to forum member Sylviatob, who authored the original version of this fabulously helpful thread). OP, many have had success getting it deleted, but they will not do PFD. 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. It could possibly simplify my setup, one card doing what I currently use two or three cards for. This leads into my second point. In reading around the MyFico Forum I see credit line reductions from various lenders mostly related to personal credit card accounts. If you've been approved for them, they're going to appear in your report. Remember these individual utilization thresholds: 28. Are you looking to sell your old appliances? Perhaps you’ve upgraded your kitchen or laundry room and need to get rid of your old refrigerator, dishwasher, or washing machine. They haven't announced what specific cards/rewards they're offering after the Elan switch yet. I have a $3,000 Starting Credit Limit and I have this card since July 4, 2021. I currently have about $1k on the card. Starting Scores (01/23): TU-522 EX-535 EQ-508. haircut open today near me Attendees will explore how African financial institutions can use technology advances and advanced analytics to increase …. After you do that, you then quickly pay off most of it, so that you owe < 9% of the original loan amount. I just got approved for the Chase Freedom Flex 🙌 with a SL $14,000 (after an initial denial and 3 recons). ~715 is about average, but the range is pretty wide ~640-790ish. If you can stay on the train long enough, you might get an. I emailed them a scan of my ID and called back a few days later. Some blemishes on credit (1 repo, 2 charge offs, 1 to CO to collections) but all are 4+ years old at this point. 6% of the market according to this article from 2013. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Float this Topic for Current User; FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. Since I am rebuilding I thought why not. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. While the exact numbers aren't available, VantageScore has roughly 5. I was approved with a starting limit of $3k. WF Propel $8000 | WF Cash Wise $1500 | USB Cash+ 5000. So with your overall scores in the 800s, you should be fine. This thread is intended as a master thread for inquiry related questions. I opened this card when I got a SUB offer in the mail (IIRC, $100 for $500 spend). 45 which was the best offer i got out of all the soft pulls from SOFI to Best egg. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Current FICO 8: TU: 814 EX: 774 EQ: 806 Current Cards: Chase Freedom $800 Chase Ink Unlimited $8,000 American Express BCP: $12,000. FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring. If one goes in for signing bonuses, keeping the number of cards down can help focus spend on those cards that matter. 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. This was my first (and hopfully last) Citi card. Any AU cards you have to ask to have expedited but it's automatic for the first one. Re: FICO score decreased after paying down credit card account. Personal Aphorism:"Forget What You Feel, Remember What You Deserve" Starting FICO 8s | 09/2017: EX 641 EQ 634 TU 647 Current FICO 8s | 04/2022: EX 796 EQ 793 TU 790 Current FICO 9s | 04/2022: EX 790 EQ 788 TU 782 2022 Goal Score | 800s My AAoA: 4. 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. Only three inquires are not from the past 24 months. About 4 years ago, I realized I needed to figure out how to recover from bad credit. 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. FICO utilization is based on your reported balances. I started off at 490 (Fico 9) and now my score has reached 705 (Fico 9). 5X) When I was first starting out with credit card rewards at the end of 2019, I wanted to build a good selection of business credit cards early on to have relationships with several different banks. Honestly, I'm about ready to just close them all, but waiting to see what they do. Reason for denial: Fico Score too low. I see that Chase IHG card is offering a 140,000 bonus points for a $3k spend in 3 months. Current Cards: PSECU $20,000 - NFCU Cash Rewards MC $21,900 - Chase Southwest $15,000 - Discover It $10,000 - Citi AAdvantage Platinum $9,500 - Apple Card $6,000 - PenFed Promise $5,000 - Truist Enjoy Cash $4,500 - Comenity Bread Cashback Amex $3,500 - BoA Customized Cash Rewards $2,800 - UVA Credit Union Visa Classic …. Just received an email today congratulating me that my Cap One Quick Silver has been upgraded to World Elite Mastercard. Join us in San Diego, CA, USA on April 15 2024, for the Optimization User Group event!. 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. From reading, I'm supposed to keep two at zero and allow - 5058287. Does any one recall if this is a hard or - 657538. Today I applied for the BoA Customized Cash Rewards Secured CC after almost 6 years BoA iiB, Instant approval With a Deposit of $200. FICO Community Admin (FICO) February 26, 2021 at 3:31 PM. I went from 1500 to 3000 to 6000 to 15000 and then denied when I asked for (I believe) $30k. ) SCSCU Gold: 12/20- $1734/$3000 ($1250 of this is from a recent group airbnb reservation. 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". As long as you PIF, as usually suggested on her, then you'll be good and they make for a great rebuilder. Typical starting limits I see with Citi are between $5-7k. Your FICO score can change, depending on how the information in your credit report changes. or the archived Navy Federal Thread for CLI and Additional Cards. 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. I opened a savings and checking account with them in 2018 and just left it there. Re: What are the Good Business Bank Accounts? If you can deal with the lackluster customer service in their biz department, NFCU's biz checking / savings accounts are free, although ACH outbound limits are paltry at $5K. Chase credit journey should have cards under offers if you are eligible. Allow a small balance to report next month and your score should increase. Send a DV letter CMRRR to the CA. jobs hiring for morning shift near me Fico 8: Transunion-698; (NFCU used this score) , Equfax-669- (Discover used this one) , Experian-681. In my wallet: Apple $5,000, local CU $15,000, Bread AMEX $5,000. This is a guide to help you navigate this awesome community. All my existing cards are at 500-4300 so this is amazing. Re: BOfA Cash Rewards approval odds. So I have posted recently about some reporting issues I have had with my Goldman Sachs GM Rewards Card. As of today, I am at 684 FICO score 8. Re: Best travel credit card that's not the Sapphire Preferred or Capital One Venture? @ficonerd21 wrote: I apply for a new travel credit card each year and already have had the Chase Sapphire Preferred and Capital One Venture. 775 TU8 before I applied with an inquiry from September on there. Started out at about $2500, but with time, I've been able to get it up to $18,000. At 760, consumers will likely qualify for the same top credit cards, loans and interest rates than they would with any score higher. NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19. The weird thing for me is I did not get a HP notification until a few hours after the approval email. The easy it way to ask for credit increase on any Synchrony credit product is to call credit solutions at 877 379 8173. - New cards can be applied for at least 91 days/3 full statements after the last one. The graph below is based on actual data [Fico mortgage scores: EQ Classic 04 = EQ score 5, TU Classic 04 = TU score 4, EX Classic 98 = EX score 2]. I'm 2 years off a BK and have an annual income about 16K, with three other cards totalling about 6. And just got the Chareles Schwab platinum card 5 weeks ago. I don't know what my real FICO score was, I hadn't bought a subscription until late December. Congrats! To get the statment credits: "The amount of your statement credit will be based on the purchases you made on your AT&T Points Plus account during the billing cycle. Now i have two store accounts a best buy mastercard with a higher limit than my store card and a direct rewards card with a higher limit than my store card! Just got my first cli from Best Buy. So you get EX FICO 8, mortgage 2, auto 2 and 8, and bankcard 2, 3, and 8. Things like: retirement, banking, budgeting, personal loans, and credit card debt. I got this card back in February of 2019 and it has been stuck at $1K. 7 in a half years ago had a heart attack and tanked my credit. " "Journey Beyond" would have been a more memorable name than either of these. We want to introduce you to FICO® Decision Modeler, the next evolutionary step from FICO® Blaze Advisor. Started with a 9k limit then was increased to 12k a year - 6745592. Both were instant approvals, first one for $12,000. To be honest - he could care less about credit - but. Platinum - $50-100k gets you 50% rewards booster. by Johnmccoy2710 on ‎01-29-2024 01:24 PM Latest post on ‎02-13-2024 12:15 PM by Rogue46. After I waited for what seemed like hours (only 3-4 minutes) I was approved for $7000 SL. I have US Cash Plus Credit Card & Checking account with US Bank. Also, I am excited because next Friday, I will. 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. The application process was easy and less than 5 minutes and I was approved no documentations required. My credit history has been pristine for the past 15+ years: credit utilization of less than 5%, always pay my bills on time, and scores ranging from 800-855. Chess is a game of strategy and critical thinking. Paypal Mastercard Approved !!! 25k. Turns out they just wanted a copy of a ID. 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. Bureaus are required to give you a full report once per year at no cost. If you have a serious issue with your account, please reach out to the customer support team. Overall % Utilization at time of application was 10%. Re: Macy's Credit Card- $300 Approved!! @kidink1911, Congrats on your Macy's approval. Hi All - I've been working hard on my credit this year as I was just oblivious a few years ago to credit and how much it would truly impact my ability to borrow. DON'T WORK FOR CREDIT CARDS MAKE CREDIT CARDS WORK FOR YOU! I got a generalized question for a situation my mother is in. Last edited 06/29/2018 to add info on Capital One, NFCU and Chase. 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. My current Experian Fico 8 is 657 but my Bankcard score is 673, so im hoping im within range. myFICO® Forums; Types of Credit; Credit Card Applications; Chase Freedom flex- What? Options. Go for the card that you want and hopefully you'd find the most useful. Maybe pay off my motorcycle, and - 6258583. She accidentally had one 30 day a couple of years ago. I got a Citi American Airlines offer with 60,000 bonus miles. If you use Experian you also get the Fico 8 classic but only 1 score. Re: Approved for first Amex - BCE. The nice lady told me that they are a non - 5287781. It's in the "Statements and Activities" section of the website for your card. Many factors affect your FICO Scores and the interest rates you may receive. [These types of discussions are not permitted per the myFICO TOS @markbeiser ]. myFICO reserves the right to manage the postings on myFICO Forums to provide an orderly presentation of this information. The one that I have my eye on is the Saks World Elite MasterCard by Cap1. Re: equifax fico 5 versus equifax beacon 5. When I got 2 Truist cards in October 2022, the SP still worked. DEBT TO INCOME RATIO: not sure what it was calculated at. @Anonymous wrote: What does citi like to see credit score wise. weekend jobs near me hiring immediately If you are a fan of collecting or trading virtual items, you may have come across the term “MM2 values” in various online forums or platforms. Also I want better terms on my car insurance and anything that pulls my credit. I did the prequals on their site for their cards and was offered a couple at the highest APR. Keys FCU did the loan at 103% LTV. FICO 9 (2/17/24) EX 821 EQ 778TU 850. Are you facing technical issues with your HP device? Look no further than the official HP Support Forums. Any higher really doesn't matter. Credit one credit card first ever card. Well, we spent the last couple of months not talking as she. I also put in my info for the PayPal Mastercard since there's no ding for a …. It is becoming more popular as the health benefits of beet juice are discussed in health and nutrition forums. Care Credit -- opened in 2021 with a 500. 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. Dec 12, 2018 · Latest Topic - April 2024 Check In Thread. Although, I spent between $1700 and $2400 monthly by making multiple payments and never allowing a balance it still sits at $500. We've had multiple members here over the last few years report successes with both paid and unpaid chargeoffs that aren't as old as yours is. I haven't applied any personal credit cards since the app spree back in Jul 2022. Expect the dealer to make a little mark up, otherwise they wouldn't be in business. My beginning scores when I found myfico was the low 600's (Experian. Announcing Availability of Falcon 7. Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts. History 3 years 3 months, 19 revolving accounts, 17% utilization. Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013. 3% cash back on wholesale clubs, streaming services, pharmacy, travel, restaurants and AAA purchases. Check out FICO blogs on various topics ranging from analytics to decision management to fraud prevention. Equifax is reporting 639 and TU is reporting 569. My parents have a CL of $10,000 with Lowe's. pe6 spores March2010 FICO® ~ 695 TU, 653 EQ, 697 EX. I don't know if it's an automatic max limit or approved as each time it's used, so take time to read up on it. While I did burn a few bridges during my bankruptcy and had about 100k discharged, I'm now back on top. As of now our FICO 8 scores are EQ 845; TU 842 and EX 839. Hey guys! I've had a credit card with my credit union, SkyOne, since I started rebuilding five years ago. My scores were as follows: Year and a half ago got laid off and defaulted on multiple cards / loans. Update 03/02/2017 - The following information discusses requesting your first 3X CLI 61 days after account creation. CH7 BK was dismissed Dec 2022 - Pre approved for Ally card though experian. I created an account at MyEquifax website with my email address and unique password. I believe when you get them here you will get a ton of different Fico versions. Individual: ~5 points points for individual crossing a …. Delta SkyMiles Blue- SL-$1K | CL- $22. You recall correctly, they're the US subsidiary of Toronto-Dominion Bank. I can't imagine that they'd blacklist you, given that you actually paid them back, and also considering there are multiple examples cited here of people burning Cap1 in BK and still getting approved for unsecured CCs months later. (Mod cut - these types of tactics are not allowed for discussion per the myFICO Forums TOS. NFCU send me a very interesting and well-thought-out survey. She then transferred me to a manger who explained to me that "we dont give CLI at this time, maybe in the future". Started with $500 and got a CLI to $700a about a couple months ago. '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. Double Cash is a good card if you're looking for cash. then do BT to your checking account! Unless you have some good CCs that offer good BT promotions. It ususally takes two months based on my experiance with them - the first month they update your account as paid, and the second month they remove the account from your reports. I have 13 inquiries on my Experian file in the last year. My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000. Last year, on my oldest CC Texaco Synchrony card, they reduced m. When I recently apped for the Freedom, about 6 days ago, I was approved for less than my two other cards at $7,600. As more members share state DP's, I'll update the grid. miss trigga happy Ever since the early days of Pong, computer gaming has been an engaging pastime. The utilization thresholds for an individual credit card are 28. I am taking serious steps to not make the same mistakes again and clean up my credit. I checked out the HD website, looks like a great bike but priced like an economy car. Re: Starting 2024 strong with my repair journey! They will delete. Samebthing for credit card opening, but may need …. A past due account can have hard-hitting consequences. In today’s digital age, building brand authority and trust is crucial for any business seeking to succeed in their marketing efforts. It's on my list of cards that might be nice to have some day, but not a priority right now. As everyone knows it doesn't happen overnight, and as you mention, it's hard work. green pill h103 Assumed I wasted a hard pull on EQ, but no biggie because 2 inquiries fall of …. Chess puzzles are a fantastic way to sharpen your skills and challenge your strategic thinking. Computer etiquette is the proper way to communicate while interacting with people online. Citizens Bank—What the Fico! LOL. In my experience you can request multiple times with no negative effects. As I have mentioned a few times, my wife and I recently started the process of hunting for a new home (in a new state) to be closer to our daughter and her fiance; last year a family member passed the exam for Mortgage Loan Officer and is now working with a mortgage company, so we're giving him. the amount of credit available) on every credit card except for one—a card she didn't even know was still open. Merrick is great at giving you a little every so often. I received the PIN via mail and entered in Equifax website. They pulled EQ where FICO 8 was 712, plenty of inquiries, aggregate utilization high, 6/24 on new accounts. Ficos in the 680 - 690 range, the 9's slightly higher than the 8's. PayPal 2% MC $10K | WF PLOC $10K. After looking around, we decided to apply at Discover for a home equity loan due to a lower rate history and no closing costs. FHA house loans must use the earlier versions of fico, by law, to set the rates. @Remedios wrote: I have two cards, Propel and Active Cash. Mar 18, 2019 · GRID #1 = This list calls out which CRA (credit reporting agency) was pulled for specific states. Once again @ptatohed inspired me to appy for a card, this time it was the Citi Shop Your Way card. I really dont care about the IHG part but the $1,400 SUB is very attractive. , cards using payment networks such as Visa, MC, AMEX, and Discover) or store cards/PLCC (i. john deere 54c mower deck belt diagram It challenges players to plan their moves ahead, anticipate their opponent’s actions, and adapt their strategies accordingly. Join the myFICO Forum to discuss personal finance topics with your peers. Short term you may take a hit for an inquiry and a new auto loan but if you can drop your rate then you'll easily save hundreds / thousands of dollars in interest. Congratulations! That's a nice CLI!! So, I was paying my Amazon bill and requested a CLI on my store card $6K>$10K approved! I wasn't sure what to request bc I've seen - 5989961. mine jumps all over the board with. Discover has been so stingy the last few years. If you're not crossing a threshold, you won't be getting points. They are offering a $200 SUB for $1000 spend. Re: Convergent Outsourcing/Sprint Help. by Barry on ‎01-17-2023 10:18 AM. I was approved back on 5/12/2022 - 6562591. Double Cash and Custom cash are much easier. Barclays AAdvantage Aviator Business Amazing CLI (12. Good card but I don't give it the love/swipes it deserves. Credit Cards (newest to oldest): NFCU VISA Platinum $25,000 | BECU Cash Back VISA $10,000 | …. Usually it's my gas stations card, and I'm spending money in gas stations every day. Hello, I been reading the forum for advice and I finally decided to make a post. 300,000 miles Capital One Business Ven X. With all data points below, aggregate utilization was held between 2% - 5%. So I don't think it will be a problem as long as you're not wanting a pretty high CL. Search the forum for Waypoint and you will find what you look for. Over the ensuing weeks, it got back a measly 3 points up to 581. Instantly approved 4k - Soft Pull. I have often thought about closing it. These 2 credit cards alone are double my previous combined credit limits. The first year of Plus is free, and it’s just $125 per year after that. I just got approved for the Southwest Premier card and they pulled EQ. Showing Utilization of existing CL for about three months before the increase is key. and PayPal Credit I believe offers no interest financing for 6 or 12 months. So I've had my bank of america customized cash rewards card now for 9 years. 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 can see having both as a powerful combination (combined cash back rewards below): 5% cash back on grocery store purchases, gas and electric vehicle-charging stations. 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. Almost all business bank cards pull one's personal credit for new card applications. Both are under $1k and have - 6671332. Feb 1, 2012 · Some FICO editions are commonly known by the year of introduction: FICO 98, FICO 04, and FICO 08 (although FICO now calls it FICO Score 8, without the zero). Assumed I wasted a hard pull on EQ, but no biggie because 2 inquiries fall of EQ within a. Mid June 2023 CLI of $900! new CL $1900! I used the card every few weeks for mostly small (20-50$ purchases) but never let a balance higher than $200 report, balance was 22$ when I got the increase. The only relationship to American Express is that the card processing is done on the American Express payment network. TU score has increased 11 points over the - 4173973. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO® Forums. Jan 11, 2024 · Income north of 6 figures. It's rare that an AF card is cancelled, so you will be fine. Each of these sites provide access to the full magazine; however, they only stock a small n. The Xpress Optimization User Forum has moved to our new "Ask a Question section! Find us here: https://community. Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000. Just got approved for Cash Rewards card today at CL $12,000. Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850. inmate search phoenix arizona You then have to play the waiting game. 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. For example, you could be on a clean scorecard for EQ score 5 but a dirty one for EQ Fico 8. Total revolving limits 748700 (628200 reporting) FICO 8: EQ 701 TU 717 EX 682. Called today and found out - 6163356. LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED. High achievers analysis was completed using April 2012 data and FICO ® 8 Scores from a leading consumer reporting agency. The Destiny Mastercard is issued by First Electronic Bank, Member FDIC, and serviced by Genesis FS Card Services, Inc. 6% of situationsnot very useful. I'd love to have that in my wallet! Lol. Latest Post - Re: Take the myFICO Fitness Challenge 2024! 7138 Posts. If you have any questions regarding the registration process, please contact us at community_team@fico. Actually, the Forums were launched on March 4th. 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. 99 on purchases in a billing cycle, you will receive a $10 statement credit; if you spend $1,000 or more on. Citi AAdvantage or Barclays Aviator cobranded cards) AAoA = Average Age of Accounts AENB = American Express National Bank (aka AMEX) AF = Annual Fee AFA. KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS. Instantly approved for 2K - Soft Pull. They doubled pulled me, Experian on 7/3, and Equifax on 7/5. southwest times obituaries fort smith I recenlty applied for and was denied a credit approval for some of the well known travel rewards CCs. Anyone have this card that can speak on it? @kflo01 The card is issued and managed by Credit One. Bank of America Unlimited Cash Rewards. That takes it from $7,000 to $11,500. This is your board to chat about the application process, denials. The credit pulls data base is a good place to check. Highest reported credit limit: $58,000, according to a member on the myFICO forums. -Credit scores were 734 TU / 735 EQ. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. This is the place to share mortgage and home equity loan information. It had a $100 credit limit, and she wanted to increase that limit so that her utilization ratio would. Eq Auto 9 dropped 24 points from 793 to 769. r/Fico: This sub deals with questions regarding Fico algorithms & scoring. My wife is looking to get a new card and I think is under the Chase 5/24 rule. I know that Barclays doesn’t like new accounts but Capital One is said to not like new accounts yet last night I am prequalified for Savor, Savor One, and Quicksilver — the 25. I opened in August of 2020 at $500 starting limit. Sep 23, 2020 · Credit Mistake #1. On a side note, I included Discover, Amex and Citi in my BK. com (Experian, FICO-08) — you do not need to …. bar iii shoes mens My scores dropped though when it happened: (1) my last derog was also my oldest revolving account; (2) I had just acquired 4 new accounts in the 2 months prior -- the new accounts didn't ding my dirty scores but whew! was I punished when I went clean; (3. Rewards: Earn 2 miles per dollar on every purchase. The best way to proceed OP would be if you listed out all of your credit cards with their current reported balances and limits, referencing as well which card just reported the change in going from $900 to $0. FICO Score 8/9 as of 01/17/2022: Current/Open Credit Lines: NFCU Flagship Signature VISA $30,000 | NFCU More Rewards AMEX $25,000 | NFCU Platinum VISA $25,000 | Macy’s Star Rewards AMEX $24,000 | Apple Card (Goldman Sachs MC) $5,750 | Wells Fargo Active Cash …. Penthouse Letters Magazine can be read for free on websites such as Magzus and Magstack. 00 they will counter offer you what they are willing …. Although my actual score was 737 the score they pulled on the Amex app was a month old, 708. Hi Community members, Across the MyFICO forums, many posts and many similar questions exist about the score impact related to inquiries. Presently they have a Signature card (min $5k SL and higher rewards), a regular Rewards card, and a "low rate" card with lower APR but no rewards. Complex situation about current and planned auto l It’s always helpful to get a little advice before committing to an auto loan. Re: Take the myFICO Fitness Challenge 2022! My goal is to decrease credit utilization, to improve my score. Since joining Redstone FCU, I've been relationship-building with some ongoing deposits, expanding savings, etc. Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion. As a Visa Infinite, this card's credit limit should reportedly be $10,000 at a minimum. It is used to assess applications and renewals of auto insurance underwriting. Pentagon federal credit union in what every one refers to. Best Buy CC (not the Visa) just gets me 5% on purchases there or no-interest financing for 12+ months. 1% cash back on all other purchases. Jan 13, 2013 · The Definitive Amex 3X CLI Guide. Re: Synchrony & Citi - Pre-Approval Spree. Total Synchrony credit limits lost: $38,410. 5k limit, Walmart MC $2k limit, American Express Platinum $2K limit, Venmo Visa $900 limit, Credit One Amex $700 limit, Credit One Visa $400 limit, Kohls …. Credit Scores: (FICO 8) 846 Experian March 2024, 844 TransUnion March 2024 | (FICO 9) 850 Equifax March 2024. Congratulations on your CSP approval! Hi! Data point for a CSP approval: 4/24 AaoA 9 months Oldest account 14 months FICO ~ 720 Util 34% Clean payment history Chase Checking - 6716110. Very low (unplanned) utilization, I believe only two cards were reporting. Open Credit Cards: Capital One - $3,300 limit - utilization has been high in the $2800-3100 range. It's a wild card that covers whatever Chase and Discover are not giving me 5% on that quarter. It took my attention that some banks provide faster external transfer (ACH) e. 420 all inclusive resorts The new inquiry caused my score to drop 3 points. Yes they have become inquiry sensitive. "Not everyone who helps you is a friend, and not everyone who challenges you is an enemy. 9% utilization is considered maxed out. Highest possible Amazon Store Synchrony card Limit? Hey all. 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. VA & FHA down to 550 Licensed Senior Mortgage Loan Officer in the states of Arizona & California. Re: Product Change from QuickSilver to Venture One. Took about thirty long, long seconds and then I saw “Congratulations, Your Application has been Approved”. I wanted 50k, my CU came back with 8k. I'm grateful for my progress since my Chapter 7 bankruptcy was discharged in June 2021. Interestingly, the email specified an initial $5K limit but, upon logging in, I saw a $10K. Things have been resolved, and lessons learned, and a few years later, I'm in the process of rebuilding. (3/2024) FICO 8 (EX) 846 (TU) 850 (EQ) 850. Citi has also only pulled EQ for me. Believe it or not, some of us lenders did not change our minimum credit score requirements for FHA, VA, or USDA. Re: Hard inquiry removals after 1 year? Most creditors don't go purely off of scores, so having many inquiries beetween 12 and 24 months old can still hurt you. I have been in an active chapter 13 for over a year now. 2 million small businesses in the United States, a business line of credit can make handling a variety of operational and expansion costs easier. 5) Citi Double Cash2% cashback rewards (1+1) which is a little different. If you’ve been carrying credit card debt, you could see a drop in your credit score soon. 4) HSBC cash rewardsThis one is temporarily this highly ranked unti the 3% cash back for 12 months expires. I believe if it is just a single 30 day late, it stings like hell at first, but the impact diminishes quite quickly, with little impact after a year or so in the grand scheme of things. If ALL credit cards report $0 balance, let ONE card report greater than $3 but less than 8. DP INSIDE!! I've been careless with my credit during holiday season, now recovering I figured I would give Stanford FCU a try. Assuming, of course, that it is available. By disputing accurate derogatory information, it will be updated and drop your FICO score. 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 …. My State Department Federal Credit Union secured card graduated yesterday after 18 months. Eval Code:- Status Code: FL (Failed) , Reason Code: MCFX - (Member Consumer Failed Experian)- you have a freeze on your EXPERIAN credit report. I have read multiple results on here about early exclusions from Transunion and wanted to share my results. Sep 14, 2016 · The Credit Card Approvals forum is for posts about new personal credit cards or CLIs on your existing personal credit cards. Perhaps the others in this thread can point to what can generate that 3rd reason statement outside of an inquiry, but that's the first thing that comes to mind for me. I calculated that my single DTI should be 43-45% worst case. and the information on the forums is priceless! — By Kathyups. digs for sale Some people suggest throwing everything against the wall and …. High Bal Jan 2009 $116k on $146k limits 80% Util. Capitalone Secured: $1000 deposited @and $0 fees. That's the highest non-rewards points sign up bonus I know of currently. A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em d. Subscribe to RSS Feed; Mark Topic as New; I appd in December with a TU FICO of 670 and was turned down. subaru transmission solenoid replacement cost I went fairly conservative for a CU and …. 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). top of left foot itching spiritual meaning Free Mortgage Advice & Pre-Approvals (FHA, VA, USDA, Fannie, Freddie, Non-Prime, Construction, …. GRID #2 = This list calls out which version of the credit report we're seeing pulled with consistent regularity (Fico. Would likely generate some latent hate from a few of the posters in FT's AMEX subforum though, a number of hopefuls hang out (or at least used to hang out) there. I had 1 Paid Collections left on Transunion that has been paid for a couple of years set to be removed on 12/25. Your actual FICO score ranges from 300-850, remember you have three separate FICO scores for each credit reporting agency EQ, EX, and TU. The most recent edition is FICO Score 10 introduced in 2020. It’s always helpful to get a little advice before committing to an auto loan. The technique is to add a small "share secure" installment loan to your credit profile. Requested CLI 4/27 - SP $22K requested $25K and countered at $22K. Just want to be sure these are the same. When asked what I was looking for in a credit card, I chose Balance Transfer. There are four major payment networks; Visa, MasterCard, American Express, and Discover. It is better to know your scores before you speak with a LO in my opinion. It went from $2500 to $2800 to $3200 to $6000 to $18,000 in the last 8 months or so. GRID #1 = This list calls out which CRA (credit reporting agency) was pulled for specific states. This quarter, both the Chase Freedom Flex and Discover it Cash back have 5% back at gas …. The only difference, number of pulls. It's a super basic classic visa, but it's a fixed rate card at 17%. Edit: Updated my TU FICO 8 score above from 694 to 710. Hello, I'm interested in obtaining a personal loan for approximately one year. KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA …. 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 first went to the pre approval for capital one and it gave me 3 options (quicksilver, savor one, and platinum). I signed up for the 5% for electronics/home improvement, and even then, with what we bought over the weekend was way more than the $1500 max. I've got two Capital One cards I've had for quite a long time, 1 for about 10 years and another for about 5. FICO 8 Scores: Experian 793, Transunion 785, Equifax 803. Sometimes have multiple inquiries up to the 2 year mark could be a possible concern on the underwriting side. The cheapest plan includes only one bureau coverage. Student loan amount is doubled due to creditor's f by Thorin809 on ‎01-23-2024 09:37 AM Latest post on ‎01-23-2024 07:44 PM by Thorin809. 23, the new FICO 10 model, which. Managed to grow it to 3200 last year. This is backed up by experience of DW. Amex makes a lot of true credit cards, like the Amex Blue Cash for example (and many others). Pull a copy of your 3 credit reports from www. There is also a $80K general maximum across all cards (unless you happened to be a whale they consider worthy of a special accomodation). A few years ago, they lowered my Lowes credit limit from $17,000 to $100 due to non use. I started out asking for $2k but they have me $3,500 and they auto increased me about 6 months later to $7,000. Common Abbreviations AA = (1) Adverse Action (lowered credit limits, closed cards, negative reports on credit, etc. My bank in Southern Alabama, Redstone Federal Credit Union, uses the Experian FICO 9 scores. @Mad12345 wrote: I was approved for a gemini mastercard today. I had a collection removed yesterday with EX and they said it could take up to 24-48 for the new report to generate. Now tracking 32 scores with reason code text on 28 FICO scores. After being denied for Alliant Visa I was kinda hesitate about applying because I have seen they use TU Vantage 4. Synchrony Premier™ World Mastercard. 84 as put other charges on the card in Dec that were charged interest on the January statement. Navy Federal is amazing!! Bk7 discharged just 7 months ago in March 2020. From reading, I'm supposed to keep two at zero and allow - …. It has been my slowest CLI card along with Cap One. soft sarvente I have had the NFCU Rewards card for 3 years ($14. So I called recon and they wanted to verify my identity. Having read the press releases several times, I am still not clear about the new rules. I pay for the $40 a month MyFico to be able to see. A quick search of the card terms on the Amazon site reveals the answer you are looking for: the card is *eligable* to unsecured after 12 months. All 28 fico scores currently available, are used somewhere. In this blog series, our credit scoring expert, Tom Quinn, answers common credit score and credit-related questions that you have. song that goes da da da dadadada tik tok Topics include how mortgages affect your FICO Score, applying for loans,. Wanted a catch all card outside of the AMEX/Chase world that had broad spend categories w/o an AF. (Unless it's being used to redeem at their partners could be much higher). 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. FICO 8 (Sept 2022): EX- 706, TU- 685, EQ- 684. Hey all, Considering applying for the CapitalOne Venture X. Re: DCU Data Points Needed! They do offer SP pre-approvals. Your one stop shop for fico scoring questions! Unofficial sub. Expectidly, I got the 7-10 day message. Jan 25, 2020 · Yeah, unfortunately, it's legit-- but there's not much you can do about it aside from remaining hyper-vigilant with your accounts. It wasn't instant, but they approved me at $2k. I called their CS number asking for CLI, and the CSR had no idea as how to do it. Disputes are for removing inaccurate information from your credit report. I have read that a score of 720 gets significantly better rates. cape coral florida zillow Not sure on membership requirement. The FICO scores used for mortgages Equifax Beacon® 5.