My Fico Forums - Credit card advice and recommendations.

And with that, will stop here but feel free to comment on the others, or any new ones that could be good options. Both of us are members with a 2-year history with them. Hello Everyone, I have reorganized myself and initiated a rebuild in late 2019. I had to axe my Citi Secured card. Re: Amex Platinum Preset Spending Limit Added. I think any Adverse action and depending on the offense, can restrict your account for up to a 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. Credit scores follow the same pattern. I've been using the card heavily these past few months and paying - 6724509. I would also recommend DoctorofCredit which covers 1) and to a smaller extent 2) Note that info about new releases is always highly speculative, because it is proprietary information. I am doing a rapid rescore as I've paid down 2 of my cards to 0 and the other 2 are under 46% now. 37mm cobray launcher In today’s digital age, discussion forum websites have become an integral part of online communities. Capital One might let you in with their starter Platinum with toy SL of $1K-$3K but they pull all 3 CRAs therefore consuming all your 3 HPs allotment. 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. Hi I've never applied or gotten a personal loan before. In the process of doing that recently, I noticed a few things. The approval was based on a soft pull from Experian. Sooner or later you'll find someone who can answer the question. chyna chase twitter I was able to get an American Express card. Assuming you're going to pay off the balance in 9 months, if the total. Friday was the day my 6th statement cut for my Platinum card that currently sits at $22,500 and I asked for $31k- did this on the mobile app this morning and it went pending for review. Brief FICO background FICO - Fair Issac and Company - claims Score 8 is the most widely used credit scoring system. Account must be at least 61 days old for first request. Re: Recent VA Loans? - Anyone Applied or Approved. FICO, myFICO, Score Watch, The score lenders use, and The Score. Hi everyone, Does anyone know how long it takes to receive a response from a Goodwill Letter emailed to the Executive Office? Last Thursday, I sent a goodwill letter to 3 email addresses for the Executive Office regarding a 30 day late payment being reported to the credit bureaus last month, requesting they remove it as a courtesy. In today’s digital age, access to health information is just a few clicks away. (3/2024) FICO 8 (EX) 846 (TU) 850 (EQ) 850. Installment is a balance of $300, against beginning balance of $450. The funny part is that I was seeking $350k which is what we had been pre-approved for by 2 other lenders at 2. I got two Chase prequalified letters in the mail today for Freedom Unlimited and for Sapphire Reserve. 3x the limit is the max - they'll counter if necessary, outright deny if they're not comfortable with any increase. I don’t want to start looking yet because I don’t want to be bombarded by emails and phone calls. With your score, you don't want to be labeled as "Credit Seeker" and remain with "Poor Credit" for next couple of years. Ch 7 BK Filed: Apr 2015 | Completed: Aug 2015. savings and donate 10 bucks or so. I was hoping the January update would show it paid. 4/20/22 2nd CLI attempt, asked how much I wanted, req'd CL $15k (or counter). 5 Best Personal Finance Forums 1. The last couple years the order on the app has been irrelevant. However, I read that Chase sometimes gives limits of $100K on the Sapphire Preferred or Reserve, so I wonder what is the highest credit line anyone was initially. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), and it does include 2 popular store card exceptions (Macy's & Target). Since it was a soft pull and I don't have the revolving debt anymore, looking to refinance it with LightStream. The only difference, number of pulls. Revisiting my research, I'm sensing that a lot has changed, and a lot of the resources available even now are out of date. It's three years old and my scores have improved since it was opened. Indices Commodities Currencies Stocks. So basically, yes they include the authorized user in its scoring. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685. Setup payment for $2800 for middle of this month to bring down to $100. The Experian service will only provide FICO 8 scores for Transunion and Equifax. You should easily qualify for either, given the info you included in your post. Someone could work at it to damage their scores from closing cards, but normal credit cycling isn't that method. AllRegs is the training company owned by Sallie Mae and has since discontinued the …. Located in Southern California and lending in all 50 states. 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. ($95 AF) Data Points: - $4K SL (WF always starts me low, knew this going in. Prior CLI's: February 2021 - $1. wells fargo indeed App'd for an Account with SDFCU on line and got the 'thank you for applying we will review your application' page after I completed the app. menards shower valve kit @blackfines1 wrote: Apply for PNC business Credit, the app got denied for " type of business / industry ", Call recon never hear from them , Provided bank statement , business license and doc , Business is based on trading, transportation and household goods. They show a score range for qualifying from 630 up, so I'm guessing I may not get their best rate of 8. Go to home page, click on credit cards tab at top of screen then click prequal on right of screen. Does anyone know if that is true?. I think IIRC i burned them for around $2k no more than $3K. Re: Carecredit / Synchrony Bank Closed My $7000 line today with 0 balance Owed - Can I reopen or app. Hello all, Penfed seems to like me. 14 days/2 weeks means most likey it is approved. I am disappointed with the low starting limit, however my BCE had a SL of only $1K and has grown to $27K. We want to introduce you to FICO® Decision Modeler, the next evolutionary step from FICO® Blaze Advisor. This is not the place to exchange "credit repair" advice that encourages consumers to provide untrue or misleading information to a credit bureau or lender for the purpose of raising FICO scores or otherwise. 2 - Platinum is not "better" than Gold. Today I went in the Credit Karma credit card suggestions and discovered a new rebuilder credit card: the Cerulean Mastercard. With your Undetectable Counterfeit Money, we have got you covered. Active Cash is a pretty good card, and my starting CL was $4,500. My BCU Travel Rewards Visa Signature went from $5,000 to $10,000, and my BCU Cash …. My collections are: LVNV FUNDING , OC: Credit one for $594. My Discover is scheduled to Graduate on or after October 16th. roblox auto condo We have never had a claim and her rate was 80% of what I was quoted. I noticed today in my Sofi account, that the credit card app would allow me to apply. Re: Wells Fargo Active Cash/Reflect. SL was $1600 and I still don't have the love button option yet on the app. 95%) Congratulations on your approval! Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 687. No telling without more info on your …. Once you get this high, you have excellent scores regardless. I'm through the moon happy, even though the limit isn't huge, I finally can build my relationship with them. Business 8yr old was used off an on, showing good income last 60 days, projected. TU FICO 735 at time of app, 0/24 inquiries, utilization < 2%. I'm sorry, but I would rather have thousands of dollars in secured cards for 5 years versus paying $100 in fees for a $500 credit line sub-prime credit card. Out of the 12 credit cards, I successfully secured increases on 8, totaling $36,650 in credit limit boosts. How much of your $ is in their bank. Was just going to pay the difference, but couldn't find a way to do it. Total monthly payments are $539 (car payment and CC). As much as I agree with some of the annoyances we all share about Capital One around CLIs and such, I do applaud them on the pricing of their premium card. financial institutions use FICO Scores to make consumer credit decisions. Re: Discover Credit Card Eligibility/Approval Years After Involuntary Account Closure. I had an unknown Sychrony Care Credit charge off on my report. Was approved for a $300 unsecured limit with a chance to - 6384486. Below are some GW success mentions found. Feb 11, 2024 · Re: Synchrony & Citi - Pre-Approval Spree. internal score is basically TU Fico 9 + length of membership + balance of accounts + number/quality of accounts + direct deposit yes/no. Then i have smaller lines like IHG ($2k); Discover ($2. Get a secured credit card if u need another credit card. Careful with ally credit cards! They suck Just a warning about ally bank. FICO utilization is based on your reported balances. They create new score versions as an update for outdated versions. Welcome and congrats on your approvals and success ! Also I'm going to move this to the rebuilding forum for better visiblity. Topics include how mortgages affect your FICO Score, applying for loans,. I am still in shock about the approval. 20 x 10 x 8 lawn mower tire I'd like to share some fresh (11/17) info regarding Navy Federal mortgage. Whether you’re a beginner looking to improve or an experienced player seeking new ch. I've seen Peronal Loan rates all over the map from 6 to 16%. Im not 100% positive what your situation would be but I bought 2 recliners in January for $2200. Post your questions on our Understanding FICO Scoring and General Credit Topics threads on the myFICO® Forums. Well, we spent the last couple of months not talking as she. Pentagon federal credit union in what every one refers to. Credit scoring is a snapshot in time. Discover (After submitting, scroll down to the section giving rates. I only use this card for my monthly recurring charge for my alarm system monitoring service so it remains active in some sense. First, they were great to work with. frank conejo mexican mafia No telling without more info on your file. So far, 2 of my 7 accounts have been deleted from my reports. When it stopped reporting, my score significantly dropped. But when you have a score less than 620, the fee to cover the rate starts to increase. EX will list "on record until". So far I just have: Self Credit Builder secured loan, Self Secured Card: $250, Discover Secured Card: $200, and PayPal World MasterCard: $1800. Doing so would spike my total overall credit utilization. I did have a long-term banking relationship with WF. So, yesterday I sat down with my Credit Karma report to take a serious look at my credit details. Chapter 13 Date of Last Activity (DOLA) on Included Accounts After Discharge. I'm 18 years of age or older FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered. Even when I try to pull my 3B on my fico the system tells me it cant retrieve the Equifax report. I received Discover denials for almost one year and I was only charging $15 to $20 here and there but on March 31, 2022 I actually charged the x-rays and scans for my major dental surgery. As to the score question, this is lender dependent. Fico8 = EQ 779, TU 802, EX 771 …. After a couple hours I decided to check …. Re: Credit card advice and recommendations. alpha male xl When I logged in to my AMEX tonight, there was a preapproval for the BCE (which I already have) and the ED. Re: List of Soft-pull PREAPPROVALs - Updated 11/29/20. Amex PRG - NPSL, Cap 1 QS Rewards Visa - $10,000, Amex ED - $16,000, PenFed Platinum Rewards Visa - …. We would like to show you a description here but the site won't allow us. Re: Any Soft Pull Business Credit Cards. 00, all in the last two weeks or so. Fico 8 exp 684, trans 694 at time of pull. I am disappointed with the low starting limit, however my BCE had a SL of only $1K and has …. Total Revolving CL- $204,500 | Order of Opened Cards. High Bal Jan 2009 $116k on $146k limits 80% Util. I've been reading the posts in myfico forum for a while and decided to finally create one. 163% (Autopay) at 4 years for $12,500 in the initial pre-qual before I pulled the trigger on Experian with that credit spree. Im expecting my score to jump about ten points! My utilization is now 25-28% on my two cards which just closed statements on the 10th. Having my $1,000 in an SDFCU secured credit card with no annual fee vs a high-fee card is like a 200% APR. Things like: retirement, banking, budgeting, personal loans, and credit card debt. 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. access florida online No BK , no derogs, My Exp is 693. Will CLI when the card arrives for activation. I have over 100k in equity in my home after the refi. But when I applied for the personal loan - they pulled EX 09 (720) LOL/24 INQ …. In 2017 I had 2 of my AMEX cards get canceled. As soon as they report (next few days) I expect a score boost. rocket bunny hyundai veloster body kit This is free to do weekly through 4/2021. Today was the first Sunday of the month and 3 months early exclusion. It doesn't tie up our credit card lines with AmEx. Toyota prefers to pull Equifax first. Before applying for the card, just think about your goals. Requested CLI 4/27 - SP $22K requested $25K and countered at $22K. I did the pre-qual page and both the Discover It and Discover Gas & Restaurants came up. About 6 months out of BK my score was mid-600's and hers was 800+ (she didn't have to file). Although this is your fault as you likely know as should of had mail/email forwarded. Experian - 695 (4Y1M AA, 33 INQ) Transunion - 686 (1Y5M AA, 30 INQ) Equifax - 726 (3Y1M AA, 4 INQ) Total Credit Lines: $99,387. Before applying, my Experin FICO score 8 was 792 with 5 hard pulls, one of which is in the last 12 months. Beet juice is celebrated as a superfood. Re: So confused and overwhelmed about dispute letters. Re: Auto Loan Approvals! PURCHASE PRICE: $44,000 AMOUNT OF LOAN: $39,700 TERM CONTRACTED: 72 months APR/LEASE RATE: 2. It will be a very high doc kind of product, but can really move mountains if used properly. Seriously out of date, at least 10 more since then. US Bank cards have been upgraded to …. However, not the age of the account, or the balance of the account, or the credit limit of the account. I was going to focus all spending on the new NFCU CashRewards card to increase the odds of high CLI's. Your FICO score is probably the major determinant. The account is paid for less than full balance. Refinanced Car Loan from NIH Federal Credit Union to Apple. Chase's Amazon Prime (Visa), offering a pre-approval and an immediate up-front $200 bonus w/ no spend, (delivered as a $200 load onto Amazon gift card), seemed a pretty logical replacement for my unbeloved Sync store card, so I decided to apply. The "under 30%" principle for aggregate utilization, while often bandied about, is not correct. The site offers three levels of subscription-based credit report monitoring, from basic to premier. @Dp23 wrote: Good afternoon everyone, those of you in here with the Mercury card when did you get your first credit line increase?. 5% on a couple of 10k loans and one 20k loan. It's obvious the first one went thru and the second got declined. The resulting improvement to credit card utilization ratio bumped us both up by 50 points or so. If the OC doesn't own the account, then the OC isn't going to be able to do anything for you. It's rare that an AF card is cancelled, so you will be fine. Card was opened May 15, so two days shy of the 6 month mark. Current Score: 689 Ex 684 Eq 698 Tu. Found out today chase closed my accounts (CSR & CF) due to a "returned payment" & "rapid increased balances". After I submitted my application, the status said pending and they would reach out to me for more information if needed. Advice please! the quick and dirty, you can drastically improve your score by paying off your cards in full. It appears your seeking to grab a bunch of store cards which isnt the best way to go. Sable Secured M/C secured balance = $300. My DC is is $3k, and has been stuck there for 16 months, and my Diamond Preferred got a $3. I bet you use that savor plenty, great card. portland oregon craigslist cars and trucks Never used the initial card, ever. Congrats on your CLI! Nice bump from on my first Apple Card CLI request. If it doesn’t fit in the other boards, put it in the Smorgasboard! This board includes the zany, fun and social stuff: cat pictures, jokes, trivia,. Capital One Savor One Approval - $3,000 CL. In addition, The VA will allow the seller to pay your closing costs, to include your homeowner’s insurance and taxes. o'reilly's clarksville virginia Take out a $3100 share secured loan for 60 months. I'm not even getting approved for secured cards so please let me know if y'all could give me some insight on this situation. Initially, you will be assigned a loan officer who will intake information and walk you through the various products that they offer. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. ddlg what is it Every one of those CLIs over 12% was actually just $100. The first year of Plus is free, and it’s just $125 per year after that. 10 "classic" 3 points lower on EQ, 34 lower on TU, again only difference is number of HPs. Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart …. and even more shocked about the starting limit. Consumers Credit Union Approved. Good luck! 04/01/24 Fico 8: EX 763, EQ 799, TU 783. You don't have to wait to find out your own mortgage score. For fans looking to stay up-to-date with the latest news, engage in discussions, and c. As many may be aware; your credit score effects your insurance rates. I initially went to see if I could qualify for the secured CC they offer but wanted to become a member also so I did both. Discover and I really do need couples counseling. Just curious what kind of score is needed to get the best insurance - 6714225. The only documents I had to upload where my Drivers License and I was. Thanks guys, I was able to see the soft pulls. Upstart looks at more than just FICO score because I did the pre-qual and was pre-approved for $1,800. FICO 780, inquiry 8/24, Already have 3 …. All of our credit apps were that way for a few years. Re: Capital One Savor One Approval $300. tiktok recorded giant now dead Are you facing technical issues with your HP device? Look no further than the official HP Support Forums. Hi Community members, Across the MyFICO forums, many posts and many similar questions exist about the score impact related to inquiries. These are sometimes listed on the tri-merge mortgage report as follows: Equifax/FICO classic V5 FACTA. Hi All, I wasn't sure where to post my question so apologies if this is in the wrong thread/ forum. 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]. Note that this card is handled through Citi's reatail credit card division. Credit risk is the likelihood of defau. craigslist small desk SSA 89 is a social security number identification form. Sounds like it isn't a good account to use to pad your credit report. Discover website said I was pre-approved for their Discover Balance Transfer card so I applied and was approved!! CL $3,000. Per response by MOD Remedios below, I have added links. Sofi Mastercard approved $25,000 SL. I don't know which bureau they pull for CA residents. Also I was allowed to keep up to $2000 of my yearly tax returns. But, I let the other one kick around my desk for a few hours. 1/26/20 AmEx Cash Magnet $35k CL, wife. 1 ended up being charged off for ~ 14k (Simply Cash Business) because I stopped payment. As long as you PIF, as usually suggested on her, then you'll be good and they make for a great rebuilder. Could try to goodwill them and ask from the kindness of their hearts to remove the late payment assuming you payed the AF. Whether you're applying for a mortgage, auto loan …. ] by GatoradeZeroGuy on ‎11-13-2023 10:56 AM Latest post on ‎11-15-2023 05:00 PM by Strepthroat. Easiest way to find out when accounts are due to age off is to pull all 3 of your credit reports from annual credit report for free (no scores). Navy fed pulled trans union for me and citi pulled Equifax my scores at the time were 635 TransUnion and 670 Equifax via credit karma. Re: Wells Fargo Active Cash approved. Currently my debts include student loans (IBR), mortgage. Didn't use credit for 8 years after …. I am wanting to buy into a manufactured home community in Florida but they require a credit score of 700. Current Score: 503 507 507 2/19. I declined, but did go with Prosper for a rate of 7. EQ FICO 8 was and still is 725, inqs were 0/6, 1/12 and 6/24. All FICO ® Score products made available on myFICO. My Discover card usually provides 2 options: a zero interest balance transfer with a 3% fee, and a zero fee balance transfer with 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. 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. 2nd Discover Card!! My intro 0% APR on BTs are expiring so I needed another BT card. If you have any questions regarding this notice, you should contact: Creditor: Republic Bank & Trust Company. specifically, i paid off or settled the last of my derogitory accounts from a credit mishap circa 2017. I actually shopped HELOC rates with two credit unions when I was seeking it (note that it was about 6 years ago on a house sold 3 years ago) and one pulled and used Credco (the three mortgage scores) and the other used a simple Fico8 pull. So I don't think it will be a problem as long as you're not wanting a pretty high CL. FICO scores must be over 720, if I remember right. Eventually US Bank will send me a cobranded US Bank/SF credit card. So I applied for the BILT Mastercard from Wellsfargo on March 4th. From what I've read, I like it. then a few days ago I submitted a CLI and it was. Interestingly, the email specified an initial $5K limit but, upon logging in, I saw a $10K. They run Transunion and are a conservative lender who usually requires a …. I have an open installment loan for $1,500 (5 months old), on time payments. Re: Citi Bank Personal Loan Reporting. 7 Approvals in 6 Months! Decided to go on an application spee and applied for 8 cards within a span of approximately six months. Well, we spent the last couple of months not talking as …. I was able to get back into Citi 2 years after my chapter 7 discharge with a Best Buy store card. 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. The Credit Score you will see is your FICO® Score 8 provided by Experian®, instead of your VantageScore® 3. My FICO 8 scores from Experian are: EXP: 721 INQ: 2 | EQ: 735 INQ: 0 | TU: …. I am preapproved for 5 of the cards at Truist but when I go to apply it says they can't verify me through their digital process. Use that same pull for up to 90 days on their credit products. you should see a message that basically says. I took a HP last week and asked for $5K but never heard anything so - 6325280. May 3, 2018 · This is about 77% in revolving credit utilization ($50,000 total revolving balances/$65,000 total available revolving credit). Topics include how mortgages affect your FICO Score, applying for loans, understanding different terms and more. Reported business revenue $53K, which is on the conservative side. Re: Just received my Chapter 13 Discharge 5 hours ago. gallagher funeral home pineville louisiana And I had a 90-day late that was a little over a year old. HP's pts are only counted for 1 year and gone from FICO. DPs: EX 819 at time of application with 6 Inquiries. Now there's different versions of it that may pull. Within an hour or so from making that call, I got a welcome email with an approval for a $30K credit limit at 24. Experian encourages people to add their rent payments to its reporting. Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning. Actually, the 20% figure is a little misleading. But some very good credit unions which are fairly open to everyone are Langley FCU, PenFed, DCU, Unify FCU, Affinity FCU, Hanscom FCU, and Andigo CU. Answer these ten easy questions and we will estimate your FICO ® Score range for free. What is a third-party collection?. This fantasy can come true with our premium counterfeit money. terra invicta form federation Date of first Approval for Card: October 2020. Varies, mine was 1250 with a score of about 660 when I …. polymer 80 instructions DP: No credit card apps since VentureX in November 2021. I reload amazon with $2 every 6 months with my sock drawered cards just to keep them alive, but again an AF card is usually safe. I'm looking at possibly picking up the Harbor - 6738465. 7153 Posts ‎04-19-2024 02:06 PM: 49. Hello, I would like some advice if at all possible. 95 and I went from a 6 year loan to a 5 year loan. Citi Double Cash Approval $3800. cz scorpion light setup Double Cash is a good card if you're looking for cash. I would have accepted if they gave me at least $10,000. 0% APR so thinking about off-loading that debt onto Citi card if I get approved. I have three checking accounts and my guess would be Discover didn't recognize the new checking account …. We ended up with GUCU due to the 3. Of course, it will take some time and it depends on where you start. I applied for an auto refinance with Consumers Credit union and was able to drop my rate from 7. They recently increased me to $10k. You need to age those inquiries. cards are Credit one, $2200 limit open in August 2021 Mission Lane $4000 limit opened in January this year. I immiediately ordered free credit report from Equifax but can not find any activities that may result in …. Watch out video to get the inside scoop on all the things you didn. It doesn't say anything about me being prequalified anywhere but it says "You're invited to become a Luxury Card Member". The goal of course is a better limit. The Wayfair credit card (store version or MC) is issued by Citi Retail. The MyFICO ID protection service goes to the source to not only monitor your credit and insure your identity but the service provides the …. Revolving is a $40 balance against a $10,000 limit (it's a secured card). As stated earlier, so far it is still on one report so it has not been completely removed. Does any one recall if this is a hard or - 657538. Current Scores: EX: 589 TR: 591 EQ: 587. 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. Search the forum for Waypoint and you will find what you look for. They use a fake routing/checking account number so you won't get hit with a fee by your landlord for using a card to make a payment. Even dropping all of the extras I was still at 4510. As @JoeRockhead says, there's nothing wrong in applying for a secured card. Having individual maxed out scores is bad for your scores, in all scoring models. The cc debt was due to family issues and me over spending, shopping, traveling and etc. Lately whenever I attempt a Balance Transfer I get this message online then I have to call in and have the - 6727872. And 3 separate TL's from Portfolio recovery associates. This is about 77% in revolving credit utilization ($50,000 total revolving balances/$65,000 total available revolving credit). 74% APR (middle of available: 20. Furthermore, FICO ® Scores only consider the account balance information (and. It helps your fico score insofar that your overall credit utilization goes down across all cards. Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 687. My Chase Sa pp hire Reserv e credit limit was increased from $55K to $80K today via credit limit consolidation. Here is my list of pros and cons as it pertains to me: Pros of myFICO: Has great advice I don't see on CK. I emailed them a scan of my ID and called back a few days later. Delinquent past or present credit obligations with others. She had a high credit utilization ratio (the amount of credit used vs. The sticky posts in this forum are super helpful but wanted to know - 6562361. Typically, you have a bit of time before the late payment affects your credit. The 100,000 UR point - 6383619. 00 with 18 months 0% tried the preapproval with bread and instantly said yes. My 10T EQ is 10 pints higher, TU is 15 points lower when compared to 8 classic. Applied about a week ago and received a letter to call them to verify my information. Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion. Re: American Express credit limit. 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. cross country mortgage loss draft department phone number Starting Scores (01/23): TU-522 EX-535 EQ-508. Called Discover yesterday and the hold is a payment review, They said the hold is eight days so I'll be good to go February 10, I have other cards so I probably put discover on a time out for the month of February🤔. BK 13 filed : 2-28-17 BK 13 discharged : 3-22-22 FICO8 current as of : 3-12-23 EQ: 660 TU: 657 EX: 670 Hard INQs last 12 months: EQ: 4 | TU: 6 | EX: 5 WF Platinum $1000 WF Reflect $6000 Verizon Visa $4000 Ollo MC $4000 Mission Lane Visa $1850 Credit One Platinum x5 $3000 Credit One Wander $1700 Upgrade Visa $2000 PenFed …. I thought that it was maybe too soon but not according to this letter. Also, I selected the Premium service package at $99/month, which appears to make a difference because attorneys directly intervene on my behalf versus less expensiev services. Inquiry Master Thread - understanding inquiries and how the affect your credit score. I applied and received my Care Credit card about a year and 1/2 ago. The other (BCE) was roughly 2k and I continued making payments. A collection agency might agree to a PFD which would delete the collection from your reports. 1) Use Chase's Credit Journey weekly to check for green star preapprovals. As such, the point change was modest after the $5,000 balance pay-down, given that the new credit utilization percentage is still high. (which I got for 2 year interest free financing), Target (for the 5% off), Dell charge account (interest free financing) and Macy's.