Myfico forums. I was at a 524 and now I've soared into the 800s.

Myfico forums Excluding cards very likely to not get approval, how would you rank them on most likely starting limit? Data points: FICO 8 760-775, 4 exisiting cards (2 NFCU, Amazon Store, USAA Platinum Rewards), 2 with zero balance, 1 @ 28% UTI Nov 30, 2023 · FICO 8 EX 829 EQ 824 TU 844 American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12. Or maybe there was a major financial event like a death in the family, divorce, disability, job loss, or others which resulted in lates, charge-offs, and collections. I decided to join mostly because I saw they don't charge foreign transaction fees when using the debit card and the quarterly pre-approvals everyone seems to love. I have put everything on this card, paid in full and no increases meanwhile Ive had Ally give me 2 increases, Merrick 2 increases, Capital one 3 increases. In 2018, du Mar 1, 2023 · Just a warning about ally bank. Mind you three months ago my scores were mid 500's and now they're well above 640. Nov 4, 2014 · This Personal Finance board is your place to discuss personal finance topics that don't fit in the other boards. In a few seconds approved for 1k starting which yay I got my foot in the door but here comes my confusion. Al Sep 30, 2024 · Ordered a new BMW, $70k out the door price. There are plenty of examples of the US Bank Cash+ cards being issued over the years with $500 starting limits and the $15K minimum for the United Club Card when it was issued as a Visa Signature and IIRC the UNFCU Elite. What a hassle. The APR is ridiculous at 35. 24%. I didn't get a chance to talk to the salesperson today because of my work schedule. Curious to know how long other fellow BK CH 13 individuals had to wait between last payment and discharge? I'm located in South Florida and made my last BK 13 payment in June 2021 after 5yr long years. They were some of t The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and everything in between. 99% and it would be a sock drawer card but thought perhaps I could use Credit to MarvBear for an excellent idea on another forum; this thread is to be used for your Auto Loan Approvals just copy and paste! APPROVING BANK: BUREAU PULLED: CREDIT SCORE: SOFT PULL/HARD PULL: CUSTOMER STATE OF RESIDENCE: NEW/USED: YEAR OF VEHICLE: MAKE: MODEL: MILEAGE: FINANCE/LEASE: PURC. has anyone Dec 25, 2021 · Some credit unions and banks have early direct deposit. I read that company's report about the same time each month. Things like: retirement, banking, budgeting, personal loans, and credit card debt. 6 days ago · 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, random thoughts, etc. I keep getting declined with the reasoning being a low credit score. Citi Custom Cash Citi Double Cash Citi Strata Premier Wells Fargo Active Cash Wells Fargo Autograph Journey Experian FICO 829 Inquiries 0/12 Equifax FICO 817 Inquiries 0/12 Age of Most Recently Opened Account 11 months T Apr 24, 2023 · @Horseshoez wrote:. Many of us have made that mistake a time or two or more when we let things slide and we were late with a payment here and there. No freezes on the big three either. Example- the fact that my youngest account hit 3 months was the reason for the score change, but this also happened to be a threshold to change your "amount of new credit" from fair to good. I'm now sharing that goodwill letter. I hate to say it but I had credit all wrong. The score increases were because of the data that caused the rating to change not because of the rating change itself. 5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU Nov 10, 2024 · Prequals don't guarantee approval. If you know of others, let me know and I'll add them to this post. I paid off all my credit cards and just pai Nov 2, 2024 · I am interested in these cards to apply for the next 8 - 12 months. Both always in good standing. I will be rooting for the Chiefs so I'm sure to wake up each morning, but I expect the Eagles to win this time around. If you use direct deposit, they make it available a day or two early, sometimes even sooner than that. 3 months later, made a payment, hit the luv button and asked for $15K. It's just a single standard page in black and white, in contrast to all the credit card paperwork in off-size booklets, or the mailings/notifications with Navy Fed letterhead in the colors of the More Rewards. All I can say, without more information, is . Register to join the myFICO forum and share your credit insights with other members. Fico TU 674, Fico EQ 685. This is a guide to help you navigate this awesome community. You need to provide your personal information, email address, password, and agree to the terms and conditions. Today - 3 weeks later I got a letter in the mail saying the application for credit/financing was denied. I figured CapOne would hate me for closing that card so soon after opening it; mu Feb 7, 2024 · Hi, yesterday I was instantly approved for the ikea visa credit card. Bank and am considering getting one of their secured credit cards. com. January 26, 2025, all scores are TransUnion: FICO 08: 734 FICO 09: 735 FICO CAR Aug 15, 2017 · Join the discussion on credit card approvals, denials, and increases on myFICO® Forums. About 5k left. The credit cards board is your place to discuss many different credit card-related topics ranging from credit card basics to reward structures and everything in between. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000 Nov 4, 2024 · I opened a checking account with U. I - 6806675 Nov 22, 2024 · Unfroze all three so decided to hit up USBank for the first time. I’m 8/24 on new accoun Aug 28, 2024 · Good afternoon everyone, wanted to hop on a give an update. Applied late at night on the 17th and went into pending. Today I pulled the trigger on the final piece of the puzzle, the CSP, and was approved with an 18,700 SL and middle of the road interest rate. I am already a fidelity customer and have a CMA and my IRA through them. This is the place to discuss reestablishing a good credit history, the effects of filing for bankruptcy, when you should consider bankruptcy and more. We are in California (community property state). The Chex System score range 100 to 899 The last DDA account ( checking) was with Discover over 3 years ago. Brief history - from an average credit score of 793 just 18 months ago, I have tumbled into the mid 500s due to a divorce, health problems, reduction of W2 income (due to health and work changes), starting a business with a lot of challenges and losses, business debt and some stupid stuff I probably shouldn't have done such as home Nov 14, 2022 · Yes, I applied last night after getting a "pre-approval" through the mail. Jan 30, 2024 · Long story short, post a layoff (and serious lifestyle creep prior to that), ended up in some financial binds. See the latest posts from other users and share your own experiences with credit card companies. As mentioned upthread NFCU prequals are not reliable. Today I log into MyFico to see that my EQ score dropped 29 points and the al May 7, 2022 · Hi everyone, so my direct USDA is now being processed by them I applied on April 14th and on April 26th they contacted me stating my - 6533321 Has anyone got back in with BOA after a charge off? I had one with them back in 2011 and it has since fallen off my reports but I just - 5968237 Nov 11, 2024 · Hey all - Started my rebuild in 2018. I'm not sure if this has been brought up before but I am having an issue with Capital one when i apply for a CLI. So the rep at Lowes super nice said Synchrony is the bank, yes I know this, I asked if I could recon and he said y Oct 7, 2023 · FICO Scores XPN v8 802 V2 831 (SDFCU) TUC bankcard 803 11/2024 EFX Bankcard v8 822 EFX FIC0 v8 805 (11/2024) Discover IT 09/90, 19000, JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. Quick Start Do you want to see how to ask your first question? Learn here. A few minutes later, I received an email stating that I was pre approved for the truck. All the info here comes from fellow MyFICO'rs posts. it won't surprise me if your letter states: Oct 24, 2024 · Ditto what @JoeRockhead said. I requested an EE on TU and EQ and both granted the deletion early. Techn 2 days ago · It’s always helpful to get a little advice before committing to an auto loan. I checked my chexsystem report and it's good to go. Yes agreed. I keep getting mixed reviews. I have various versions of this embedded in an old thread and wanted to offer easy access in a single post thread. I logged in to Experian to chec 1 day ago · My wife is a Chiefs fan and my team was out before the season started. If you're interested in talking about credit card applications, check out the credit card application board! Nov 9, 2021 · Hello everyone, I have curious about DCU for a while, but it wasn't until recently that I did some research. Most of that is on 0% ending soon. Account closed May 2021 Capital One CC - $559 Apr 13, 2022 · 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. They pulled TU, probably Feb 25, 2019 · Anyone know anything about discover personal loans? I got a preapproval in the mail and I couldn't find any info in the search. Regarding the 4th reason, well, as Sep 13, 2024 · Can anyone tell me about navy federals requirements in terms of credit score/profile? here are some of my data points 100+ k salary Fico 8 scores 770/730/720(equifax, Tu, exp respectively) eq- 0 inquiries tu-2 inq exp-2 inq age of oldest account over 7 years on exp and tu but only 1 year on Aprroved: $20,000 VISA Signature Rewards with Apple Federal CU in Virginia; fixed APR 9. I filled out an online credit app for Carmax yesterday for a new truck. Back in 2016, (CS around 740s) I was approved for Amex Blue for around $6000 and approximately a year later the credit limit was increased to $13000. It's all dependent upon changes to your credit report that have an impact on that particular scoring model. When I contacted Sam's Club (Synchrony) about her Mar 10, 2017 · Hi everyone, So I've been looking into credit unions and it seems the best ones are Navy Federal and Pen Fed. When the statement cut off this month I was credited the $550 AF. No one - 6650872 Dec 14, 2018 · Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Whether the affect is directly because Jan 1, 2025 · Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Chase double pulled me again, EX and TU. At first glance Mission Lane seems like a normal card for people with a Ch7 Bk. I screwed all the major creditors so not many options. Once the loan reported to the boroughs, my Vantage scores went up about 90 points, but my Fico scores haven't moved. Fico VS3 scores are more consistent across the CRAs than Fico 8 or even Fico 9 if files are identical. Topics include credit reports, identity fraud and more. Join the FICO Forum to discuss credit scores, reports and related topics with other consumers and experts. 4 days ago · †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. I figured I'd ask for a couple of CLIs, which really isn't my thing either, but I figured why not. Tried to activate the debit card and set up online banking but couldn't because I opened the account online. My scores shot up at least 45 points. Things have been resolved, and lessons learned, and a few years later, I'm in the process of rebuilding. S. Just a little rant. Nov 25, 2024 · @Saleen099 wrote:. Sep 17, 2024 · Adding here that this shows up on the login page. Jul 8, 2024 · Hey all, I just called NFCU to see about getting the bankruptcy code taken off my account now that mine was discharged and even off my credit report. A Sep 15, 2023 · What is business credit? Why is it important to build a business credit? - 6709325 Jul 24, 2024 · Hello all i filed for Bankruptcy back October 22 discharged Janurary 23, opened a Mercury credit card April of 2023 limit is $1500. You need to be have the desire and ability to keep yourself motivated enough to properly keep track of each of them religiously to avoid missed payments and protect against fraudulent use, and to exercise each of them appropriately enough to keep issuers from closing them due to insufficient use. Everything went smoothly. I was expecting a 1-2 point increase as that's what most of those emails end up being about, but instead I saw a drop of about 25 points on EQ F8. If the Notary takes the account information, is it the title company that is going to deposit the funds into my account post closing [or] is Jul 13, 2022 · Interesting. You'll see from AVANT - 6796010 Dec 12, 2018 · Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. I finally decided to pull the trigger today and apply for the 2% cash back card from fidelity. Put between $500 and $2K/month through it and PIF. Welcome bonus is - 6798410 May 26, 2008 · This board is not only for students and prospective college students but also for parents, student loan lenders and others interested in the rapidly changing world of student lending. High Apr ofcourse b Feb 7, 2024 · I really could use some sound advice here. Honestly I was kind of surprised I was approved, and with a $1200 limit, as I'm currently rebuilding, so my vantage 3 score at the time was about 610 and my FICO was about 603. Speaking to the live chat agent, they were not closed by Synchrony but at some request from the credit bureau? Agent sai Good morning to all folks, I have added tree new tradeline one from Self Credit card $150 credit limit and second from Mission lane credit card $2,000 credit limit, and third is from Credit Strong Installement $1000 credit limit My fico is from 690 to 700, I added those 3 tradeline to bring my Apr 14, 2013 · Can’t find a place for your credit question? This is the board for you. I paid the collection anyway. Jan 21, 2025 · This is the place to share mortgage and home equity loan information. Fico customizes base algorithm based on input from each CRA. The account is one and a half years old with $1,000 CL (after credit limit decrease by Barclays from $10,000). Here’s your place to ask all of your FICO Score questions, get support on reaching your score goals and help others! 4 days ago · †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. Nov 5, 2024 · I signed up for an account because of the $400 free money. In April of 2020 I opened a CapOne secured card with their (then) max limit of $1,000; that limit ended up being unworkable as a daily driver so I closed it after less than 7 weeks. After around 6 months (Jan 2018), things went south and I was almost maxed out on it. I also had their secured card that fell behind and was paid in full Jul 12, 2022 · Hi All, I'll try to keep it as short as I can. You can learn more here. However, when I look at my fico, they all report a 0 balance and don't seem to affect my utilization. Oct 1, 2021 · This forum has been an incredible resource for me in my journey towards "credit excellence" - which to be fair is still a LONG time away but I'm excited to have started the journey and teach myself some self-control! I wanted to post my story of chatper 13 bankruptcy (what was included, what wasn Jan 19, 2022 · There are good credit unions which aren't willing to lend to me. Accessed their website, used the link they provided in the letter, entered my approval QR code, and a screen popped up and gave me 7 different options ranging from the amount to APR, to the duration of the loan I was looking for. Find support, ask questions and help others with their credit rebuilding questions. Aug 1, 2016 · Hi OP, welcome to the forum and definitly check out all the great info found on Penfed! Real quick question as i know i should probably search deep but since its related to topic and op can learn as well. The $10k was the starting limit since the account openeing. Description says MLA annual fee credit. Thankfully I was able to get those back in order with payment plans, however a personal loan from prior to medical school (current balance $13500) was charged off last Fall. My credit is 632 (fico auto 8) should go up a bit more since I paid off another credit card but has not hit yet. Looking for second card. From loans, leases, approvals and terms, this is your board to talk I was online searching for a new credit union to call home and looking for something that had a 4% HY checking account. If I were to downgrade would that affect my credit score/age? Would it be considered closing the old account and opening a new account? Any advice would be helpful. Learn how to access your FICO score and credit report online, and get tips and advice from myFICO. Oct 20, 2024 · Scores: March 21 FICO 8: EX 810, TU 808, EQ 813 AoOA: closed: 36 years, open: 25 years; AAoA: 11. 0/6 1/12 1/2 3 days ago · Being bored, and also being that I haven't seen any cards that appeal to me enough to leave the garden where I've been sitting for going on close to two years (in March I'll be 0/24). I make real good money. Also have an unpaid charge off for another synchrony Dec 3, 2023 · keeper everyday cards/ amex charles schwab platinum npsl/ amex charles schwab investor card $28,900 cl/ amex morgan stanley blue cash $5k cl/ amex gold npsl / amex green npsl/ amex blue business plus $5000 sl/ amex blue cash everyday $18,000 / fidelity rewards visa $23,500 sl/ nfcu flagship $40,000 cl/ nfcu more rewards $40,000/ wells fargo autograph $8200/ citi costco anywhere visa $6000 sl May 24, 2023 · I just received an email from Upgrade stating that my credit limit has got reduced from 5k to 2k for the reasons below. I stumbled onto this forum two days ago and have been binging on the threads every since. Also, a Mercury Mastercard with a $3730 limit, no annual fee, and a current rate of 33. Some will say the card graduates in a year but you have to take a hard pull to get a CLI, otherwise you are stuck with a $300 CL forever, others said their card ne May 23, 2021 · What is the process in order to have my account and all information permanently deleted for security purposes? thank you in advance and - 6270620 4 days ago · You can recover from bankruptcy with hard work and support. 2 days ago · The FICO Score is the credit score used by 90% of top lenders, so it’s an important part of your credit picture. But I made dumb decisions on credit cards in the past missing 2/3 payments. The first three reasons do not make sense. Learn about the features, costs and alternatives of MyFICO plans and how they compare to other credit monitoring platforms. (Bears). I just got Merrick Bank. Thanks so much. Some stats. I got the Credit Karma line of credit (credit builer loan). I made a big mistake. Bank Altitude Reserve Visa Infinite (USBANK retired this card this card in 2024). More detailed information will be sent to the email we have on file. Jan 26, 2021 · @Anonymous wrote:. The ones I know that offer this feature are listed below. I was wondering if anybody has any experience with that card in particular. I wanted to test if it was a fluke so I tried to open a online savings account but Jun 27, 2023 · I signed up for the BofA Premium Rewards Elite card last month and was charged $550 annual fee. Nov 10, 2023 · Hi all. 1. Figured it was due to ver Jan 18, 2024 · In the last stages of a rebuild. Mar 13, 2014 · Hard times happen and sometimes your credit suffers, but you can rebuild it over time. Surprised, I refreshed my report, and didn't find anything unexpected. Dec 28, 2024 · I currently have the Amex Blue Cash Preferred and I am considering downgrading to the Bluecash Everyday with the no AF. Sep 14, 2024 · The $5K minimum starting limit on Visa Signature cards is a convention, not a requirement. My question is: Are Carmax pre approvals leg Jul 20, 2023 · Recently decided to pick up the Bilt card because it will be useful for earning points on rent in between SUB periods (under 5/24 in February with or without this card) and just overall with the AA transfer partner. A few things to keep in mind: You do not need to take any action at this time to access your improved account experience. Sep 20, 2023 · Picked up the Best Buy Visa to get 10% off a new TV and approved for $5K. I nev Jan 9, 2025 · just got a CLI from NFCU three days ago and currently 7k from the 80k limit, thinking of applying for the rest on the NFCU Black - 6805496 Nov 26, 2024 · I was told it would be a SP and CLI are SP so I decided to check and see. 3 days ago · The FICO Score is the credit score used by 90% of top lenders, so it’s an important part of your credit picture. One had a balance of $150 and another for $1450. I was going to transfer most Feb 24, 2016 · My mother passed away last August. Never had to do this for a c Jan 26, 2024 · Essentially due to financial hardship within my household last year I had several late credit card payments. It is also aimed at Personal Credit Cards (VS/MC/DC/AX), and it does include 2 popular store card exceptions (Macy's & Target). My original posting was about the "Credit Information Service" notification from Citizen's Bank as I applied for an account through them - a regular checking account - and got flagged and denied even though I know my Chexsystems report is solid and the only thing bad I've got going on unfortunately is my credit was ruined when my data was stolen when the Equifax Aug 1, 2023 · Is there a difference between these two options? - 6699021. I'm not in the military and never was. I get the basics about direct deposit(s) which I now have about $10000 a month of direct deposits going in. Called Trustee's office and was told all creditors checks have to clear before discharge can b Jul 29, 2019 · Anyone had the Mission Lane Visa? Never heard of them. Once your improved experience is live, you will get a notification and links to login and access your account. Ive had the card for about 45 days and for the past 2 weeks my charges were all getting declined. Credit Karma is advertising them to me. I keep hearing the preffered sign up bonus will be going away with the travel credit in the coming days, so i figure Nov 14, 2024 · Upcoming changes to be aware of: Equifax Credit Lock will be deactivated in all Transunion accounts by 1/31/2025. As an aside, BoA's online "prequal" is an example of something more of a recommendation portal of what card you might find the most useful than it is an attempt to establish odds of approvla. Buy Now, Pay Later installment loans may now appear on your credit report. I will be calling in so *** ALL of the following require link to Business bank Account through Plaid or another API - *** ALL report to business credt bureaus, no personal reporting, no hard pulls on personal credit, hard pulls on business credit ! Ramp - works like a charge card - 30 days, direct debit from linked busin Jul 29, 2021 · AS OF 07/09/23 This post is built to help others see which credit report(s) a bank will pull based on where you are. I rarely use them, making occasional purchases every few months to keep them active. Mar 6, 2020 · Hey all. Other two were declined because of too many inquiries. I just dug out the paperwork, and when I was accepted for my More Rewards, I got a letter with my internal score. That doesn't make them bad credit unions I like Interior because (a) they have good products, and (b) even when they denied my application, they gave me good, personalized, customer service. My father never did any of the finances so I am handling them for him. Nov 5, 2024 · The other day I recently asked for and was approved for CLIs for both my CareCredit, and Lowes card. Is it just hidden or is it out-dated information? I only have 1 credit card, and the utilization shows whatever percentage I use, or Dec 10, 2024 · If this site had an app I could almost go without a Internet browser. My utilization is still a little high, but ill be debt free by end of year. Share your experiences, ask questions and get support from other members and experts. Jan 17, 2025 · I have a BMO Checking account that was recenty opened 2 DD doing to the account so far, I decided to apply for my last CC on my spree. I have 4 accounts on my credit report: The Good: BMO Auto Loan - currently paying as agreed. Aug 8, 2024 · Completing the Chase Trifecta has been a goal of mine for years, ever since I started my rebuild years ago. I logged in and do not see any indication of this. If you have student or car loans, that's pretty much a no go. I logged on today and both accounts were closed. My overall utilization, before these incr Nov 11, 2024 · I recently finally broke into Amex with the gold card back in september with my rebuild finally completed. Join the myFICO Challenge - let the community know what your financial goals are because they're h Dec 3, 2023 · I have a Mission Lane credit card with a limit of $1600, no annual fee, and a current rate of 32. When doing Mar 2, 2017 · Hello I bought a new car 3 weeks ago, signed paperwork/contract, paid downpayment (traded in a car as the down) and drove home happy. Feb 5, 2008 · †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. Instant approval on the Cash+ - $17,000 and apr 21. FICO, FAKO, HUH? FICO, FAKO, Credit Score, PlusScor Nov 15, 2024 · Hey guys, i wanted to start a thread for some of the know thresholds for ficos rating system (poor, fair, good, very good, exceptional) as you know each section gets a rating, and while these ratings may seem silly, these ratings greatly impact your score. Feb 11, 2023 · They didn't give any indication of score or what type of score used. If you're interested in talking about credit card applications, check out the credit card application board! Sep 4, 2012 · Compiled by llecs, myFICO moderator. Sunrise LA - closed auto loan all, payments made on time Negative items: JPMCB - $15k charged off. I do not use my other cards more than before; I do not carry balances and always pay in full monthly. Nov 6, 2024 · Good observation. Membership is open to anyone through the American Consumer Council. So I called them this morni Mar 23, 2024 · Without knowing your scores and your profile it's impossible for us to answer your question. Been declined three times. Topics include how mortgages affect your FICO Score, applying for loans, understanding different terms and more. Two of her credit cards were with Sam's Club. Saw a huge bumb in my yscore. Currently my debts include student loans (IBR), mortgage - new as of 9/2023 (payin Nov 7, 2024 · I couldn't find any information with the search feature. I hope it will help Nov 2, 2024 · @Kforce @FlaDude . My latest TransUnion FICO 8 score is 733, and they say my balances are too high. Navy's underwriting is not the toughest compared to many other lenders. Apr 4, 2019 · I applied on 4/1/19 for a checking and savings account as well as their personal loan for 25k and a credit card that had a minimum of $2000 limit and asked to match my navy federal cards at 15k. I had one collection acct from Zales that was set to fall off in April of this year. Nov 3, 2024 · I had requested my Chex Systems score about a week ago. While building, I opened a ton of cards and was - 6796518 Feb 20, 2021 · Update at the backend of the thread: good news! As I continue my clean-up efforts, I have three Cap 1 accounts that I have put off paying due to their balances compared to lesser charged off accounts I opted to take care of first. I don't know about the loans you mention. 1 day ago · This is not breaking news, but I thought interesting enough to share so that those newer to credit education could see tangible data of just how different the FICO scoring models can be. Last night (Sunday), at 10:41pm, I received an email asking me to give Wells Fargo a call on Monday. Jan 3, 2025 · @coldfusion wrote:. The first payment would be due 3/31 so I thought the lette Aug 12, 2023 · Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated) Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U. I recieved it today it was 682 with the only reason given is Insufficient DDA inquiry activity at the same financial institution. That put me into a fit of ra Oct 19, 2024 · My Vantage scores were all within 20-30 points of my Fico scores until about 4 days ago. Jan 28, 2012 · I am 2 years (Feb/2012) from Ch-7 Discharge, and my Scores range from 650-709, ha. First application was just a few days after opening paypal account. ” Today, I decided to apply cold, and I was instantly approved with a 30k SL. See full list on myfico. That application was declined because of too short a relationship with paypal. Any idea why I would have received the credit? Sep 18, 2021 · I have seen so many people always complaining about how inquiry sensitive barclays is ? So finally it happened to me as well. Here’s your place to ask all of your FICO Score questions, get support on reaching your score goals and help others! Jan 3, 2025 · @coldfusion wrote:. I had to start out with a Fingerhut Credit program for like $150, where I had to put 20% down, Written by Tuscani Welcome to the FICO Forums! We are glad you are here! What is the range of FICO scores? FICO (aka Classic or BEACON) scores can range from 300 to 850, but the majority of scores usually fall within the 600s and 700s. Dec 12, 2023 · internal score is basically TU Fico 9 + length of membership + balance of accounts + number/quality of accounts + direct deposit yes/no . I came across Americu Credit Union out of New York that has an open field of membership. Lender said I can provide the direct deposit account information when I meet the Notary at closing. I applied online (appea Jan 1, 2025 · Happy New Year to the myFICO Forums Community! Can you believe we’re entering our SIXTEENTH year of the myFICO Fitness Challenge?! If you have financial goals, the myFICO Fitness Challenge is the place for you! What is the myFICO Fitness Challenge? To take part in the myFICO Fitness Challenge, si Dec 30, 2024 · Below is my most recent update of minimum thresholds for forum ranks by criteria. What you want is an aggregate installment loan balance that's <9%. To reflect these 5 days ago · From a recent thread, I read that charge offs affect utilization. I stumbled on this forum today and I am so glad I did. 49% Caveat: For out of state, first-time app --> lots of docs and verification As I was strolling back to the garden, I came up with a cunning plan to use my relatively unsed TU HP. Approved. I have not made any purchases since the payment was cleared. It looks like as of right now all accounts will transition to a Visa card. The woman I talked to on the phone basically told me that because I "burned" them in the past it would always be there. Simple process. I’ve been checking the pre-approval link every day for over six months, but I always get the same message: “unable to obtain your report. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Next I typed my own goodwill deletion letter and used the goodwill saturation technique to get them to remove the CO off my report. I was at a 524 and now I've soared into the 800s. Jan 17, 2023 · Welcome to the myFICO Forums! We're happy to have you here. I recently made a large payment to bring the balance, but even after the payment cleared from my bank account, the Capital One consumer website says I have no available credit. Feb 24, 2024 · Not a bot, just a new member. My situation isn't an apples-to-apples comparison so not sure if it will help or not. Do Fico scores update less often Nov 20, 2024 · I’ve been trying to get this card for quite some time now. Nov 28, 2024 · Happy Thanksgiving everyone! Mercury Card increased my limit without my asking from $3500 to $4900 and then Synchrony increased by limit from $5700 to $8000 without my asking. I'm a member of Voices for - 4885327 Oct 9, 2019 · Here’s my situation: I bought a new Jeep with Chrysler Capital in 2018. HP on TU (TU08 - 804, 1 inquiry). . Was sent to manual review and awaiting response was just seeing if anyone had any experience with this le Jun 28, 2024 · Hi everyone - So I got an email from Experian saying that I had a pre-approval offer on the One Main Financial MasterCard. The primary savings acco Apr 14, 2021 · Starting Score: 02/2020: EX 520 EQ 527 TU 518 Current Score 07/2021: EX 703 EQ 719 TU 701 Goal Score: 800 Discover It $3,000 | NFCU More Rewards $23K | Chase Sapphire Preferred $14,700 | NIHFCU Platinum $6,500 Nov 18, 2017 · I have been trying to get paypal credit. 99%. Would having a save first an easy start certificate, IRA with constant weekly auto deposits add to the internal sc Nov 22, 2024 · Hello everyone, first post here. I dont have any discover products but have high 700 scores , make about 80k, with about 20k/120k on 7 cards. I kept using log in and always directed to the score/report section and had to click no thanks to update and then scroll down the drop list and select community, was driving me crazy. As mentioned in other threads, achieving said thresholds is not a guarantee of being awarded the lis 2 days ago · I've got a good score now, but still rebuilding after years without using credit, and 0% usage, but want higher limits as emergency backup and wanted suggestions for where is most likely to give them. But how great would it be if this site could be accessible through an App like Facebook, X, Reddit among others. I made about five payment on time before my husband lost his job, we had to move across the country and weren’t in any position to either pay for the Jeep, get a new vehicle, or get rid of it because it was the only vehicle we Jun 11, 2024 · I'm approved for Home Equity Loan and on track for closing. it not do not show the SL but I do not receive a welcome email and the - 6737877 Sep 12, 2018 · Hey, guys! :) I am concerned here. I applie Sep 6, 2024 · Your mortgage FICO scores (Equifax 5, Transuion 4, Experian 2) can actually change multiple times per day. com Jul 15, 2024 · MyFICO offers access to FICO scores and credit reports, but it's not cheap and you can do some of it for free. I currently do no Nov 10, 2023 · Few months ago I ask SWC for a pfd but was denied. I haven't gottten a new card for a while, down to 2/24, 0/12, with scores around 760 and 4 years Dec 1, 2024 · I got an email that said my score was "updated". Nov 4, 2024 · Hello all, I appreciate all the input on these forums and would like some opinions on filing chapter 7 I'm currently in a liquidity bind post-divorce & losing my business and owe approx $140k on credit cards (Citi, BofA, Chase, Cap One, local CU's) I have good payment history, just high balances Aug 1, 2023 · I kept using log in and always directed to the score/report section and had to click no thanks to update and then scroll down the drop list and select community, was driving me crazy. Now I have to go into a branch to show my ID for verification. Join the myFICO Forums to discuss credit scores, reports, cards, loans, mortgages, student loans and more. Both instant So, I posted yesterday about applying for the Bilt Mastercard from Wellsfargo on Saturday was immediately put in "pending" status instead of getting an approval or denial. 8 years Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k Nov 6, 2024 · Wanting to apply for a card specifically for balance transfer offer. I was instantly approved for a $17,500 limit. Dec 23, 2022 · I know no one knows their exact formula for their internal scoring system. alju rxuau qfxbyx yetj vuttfh wjhsulx utn rsei ourw tjbkn