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04-03-2013, 11:52 AM | #136 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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I want to get a good decent rewards card that I can do that with when I finish this transunion credit report dispute
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04-03-2013, 12:01 PM | #137 |
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Join Date: Dec 2002
Casino cash: $57156239
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Honestly, I am mystified.
Yeah, I know a lot of people are talking about carrying a small balance, and having a higher credit limit would be good, etc. But that should be the difference between "only" having a low to mid 700 score, and being among the elite. Those are the things you do to get that last little bit in your score. How the hell are you mid-600's? When I got my mortgage a few years ago, my situation was worse than yours and I had high-600's. I know you said you had a bank card, but is that being treated as a regularly-reported credit card? I mean, if you had ZERO revolving credit, then maybe that'll explain it. Get a credit card, use it once in a blue moon, and that should fix it. Other than that, are you sure you don't have a ding or late-pay reported on there somewhere? mid-600's is awfully low given the info in the OP.
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04-03-2013, 12:06 PM | #138 | |
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Quote:
Based on what he's posted, his score should not be that low, he has a legit problem.
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04-03-2013, 12:08 PM | #139 |
Tip of the hat LIV Champs
Join Date: Jun 2007
Location: ks
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Wait.
Misleading thread title from a raider fan. Raiders don't need credit when they steal what they want.
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04-03-2013, 12:08 PM | #140 |
Hey Loochy, I'm hooome!
Join Date: Oct 2008
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when you want credit
you get it at bill geer
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04-03-2013, 12:11 PM | #141 | |
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Quote:
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04-03-2013, 12:16 PM | #142 | |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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Quote:
Basically they are not reporting my stellar payment history on that card and when projected the impact on my credit on their calculator + age of account and history of payment, it appears that by them not reporting it I am losing over 100 points in credit score.. I ordered everything by mail from transunion because It said I had a problem verifying who I was for some reason but in a few business days I will have a better handle on whats going on so I can proceed with a dispute with them. |
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04-03-2013, 12:19 PM | #143 | |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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Quote:
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04-03-2013, 12:19 PM | #144 | |
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Join Date: Dec 2002
Casino cash: $57156239
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Quote:
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04-03-2013, 12:21 PM | #145 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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04-03-2013, 12:31 PM | #146 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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Posts: 23,166
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04-03-2013, 05:47 PM | #147 |
Molôn Labé
Join Date: Sep 2001
Location: North Carolina
Casino cash: $8566872
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The bank credit card revealed they only report to equifax.com and it IS in my name.
I applied for an "excellent credit" credit card and I got turned down but I then applied for a discover card and got approved. Is Discover worth a shit for anything but scraping ice off the windshield? |
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04-03-2013, 05:52 PM | #148 |
Consuming CP souls
Join Date: Oct 2005
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I applaud Reighters and his financial decisions. Don't see why he got jumped on for this.
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04-03-2013, 05:58 PM | #149 | |
2 Legit 2 Colquitt
Join Date: Sep 2010
Casino cash: $3635754
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Quote:
https://www.annualcreditreport.comAlso, you can get your credit score on here. You have to sign up for a trial, but it's easy to cancel through the website before they charge anything. http://www.myfico.com/I can vouch for both these sites, they are legit and free. You will want to look at your report to see if there are any inaccuracies and dispute that shit. |
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04-03-2013, 06:04 PM | #150 |
Consuming CP souls
Join Date: Oct 2005
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Too bad they don't include the value of a truckload of Carson fatheads in that...
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