major credit karma error
So this morning I updated my report on credit karma just for the sake of checking to see the effect of a new card I just opened. So the update showed a significant BOOST in my score because it reported the average age of accounts as 11 years! I have 4 tradelines...
Categories: General Credit Tags: average, credit-karma, Morning, oldest, primary, primary-cms, report, sake, score, score-because, the-oldest, the-update, update
Limited credit history, looking for advice
This is my first post here, and I have a few questions I hope someone can help out with. First, a little backstory. (Questions way at the bottom) Up until about a year ago, I never really paid attention to my credit, and was super lazy about keeping track of everything
Categories: General Credit Tags: average, conclusion, Credit, idiot-penalties, reports-because, student, student-loans, takes-the-time, thoughts, TIME
Oldest Account Question
One of my oldest accounts will be falling off my reports this year. This account is over 10 years old
Categories: General Credit Tags: account, account-falls, average, average-age, Credit, credit-history, equifax, equifax-report, oldest-accounts, reports, using-credit, will-afffect, will-happen, Year
New and looking for guidance…
Hi everyone, This is my first post on this forum. I am basically just looking for some guidance and thoughts. I recently Cosigned for a mortgage with a friend of mine
Categories: General Credit Tags: Accounts, accounts-went, average, credit-balances, likely-affect, missed-payments, Mortgage, points-as-soon, reports, score, the-mortgage
EXperian Score for $1
experian website is selling their score for only $1 limited time offer... before the FICO fans complain about my post, we ALL know it is not a FICO score, but for a dollar , that'd do, at least you can have an idea what your average score is at, i havent check mine since august so, it maybe good to take a look, even tough is FAKO. dont care at all. cya...
Categories: General Credit Tags: average, before-the-fico, even-tough, fans-complain, fico, havent-check, limited-time, maybe-good, mine-since, score, your-average
Fee to fix credit report
Hello, Three years ago I had terrible credit and my average score was 508, I initially paid Lexington Law Firm to clear my report. After 3 months of no change, I decided to do the work myself. I went to different website and followed everything that pertained to my situations, asked questions and followed advice that was given to me. Thanks to God and help that I obtained, I was able to remove judgements and over 30 negative items off my credit report.
Categories: General Credit Tags: asked-questions, average, Credit, credit-repair, credit-score, initially-paid, Internet, negative-items, previoius, situations, work, write-lettters
Closing out new credit card accounts that have been opened during the past 120 days
I have around 10 credit cards in all. I wanted to know if my credit score will go up or do absolutely nothing if I close out three of my new credit card accounts that were opened during the past 120 days? They are low credit limits, i.e. $150, $350, and $500. I have just learned that opening up new credit cards actually lowers your credit score since it affects your average age of accounts established. Please let me know your thoughts and if you think it will help my credit score to just close them out since I don't use them and they are at a $0.00 balance anyway. My average age of credit cards is 5 years. Thanks! Transunion FICO: 672 Equifax FICO: 586 Experian FAKO: 698
Categories: General Credit Tags: average, average-age, card-accounts, close-out-three, Credit, credit-cards, credit-limits, credit-score, during-the-past, new-credit, past, thoughts
3% up front or 4.99% all along?
Ok guys, help me out here. That tempting BT for 3% transaction fee, 0% interest for 1+ (until January 1, 2012) yrs is teasing me! (BT would be about 11.5k) I have a cc debt, at 4.99%, calculated on the average daily balance.
Categories: General Credit Tags: against-having, against-robbing, average, balloon-payment, case, make-minimum, save-money, sooooo-tempted, take-the-one, the-average
Possible Age Discrimination?
This is actually for my father. He's 54 years old and is an employee that works from home for a telecommunications company. My father has not received a raise in 7 years, the first 4 years was due to everyone was supposedly on a "freeze" and the next 3 years, he got a new manager and dropped my dad's ranking so he's no longer in the 10% that receive raises or bonuses
Categories: Mortgage Tags: 17 years, 3 years, age discrimination, average, basically-went, blood-pressure, bring-himself, cholesterol, depressed-over, extremely-hard, father, Health, high blood pressure, not-received, over-the-years, pay scale, security, security field, self esteem, telecommunications company, wages
Closing RECENTLY opened store cards …
I've got a whole bunch of store cards 3 of which I opened within the last 4 months. I'm thinking about closing each of these 3 accounts to bring up my average credit length. Can anyone think of a reason NOT to do this ?
Categories: General Credit Tags: average, average-credit, closing-each, opened-within, store-cards, the-last