Credit Score….credit union
So I just went to my local credit union and got a secured visa. About a month ago a lender pull of my TU 04 was 604. Today the credit union had a TU 543. That is a huge drop. Nothing has changed, and I currently use 2 CMS, one of them being Score Watch. Any idea why this could be? I think the only thing that has changed is a comment saying customer disputes. Also, what affect will this cc have on my score initially? I have no other revolving credit, and the limit is only 300.00. ETA- i just remembered they had to do an inquiry on TU. Got an alert for it. Might have just answered my own question. Although not sure if that causes the score to drop that rapidly.
Categories: General Credit Tags: Credit, currently-use, lender-pull, local-credit, other-revolving, revolving, score
Who is offering the best Personal LOC Right Now
Hi Everyone, My TU and EQ Ficos are 680 and 700 repectivly. No DTI (no mortgage or other installment loans). My oldest account is four years old, $20k in credit limits, $2k in balances.
Categories: General Credit Tags: credit-limits, Discover, four-years, home-during, installment, oldest-account, revolving, same-employer, Summer, the-summer, years
Understanding credit details
Hi I am having total credit limit of 58000$s and balance carrying about 5000$s revolving. I need to get new loan now and couple of credit cards gave cheques which I can use for personal purpose. One credit card has 13000 credit limit and other has 8000$s
Categories: General Credit Tags: Advice, balanced-out, both-the-cards, cards, Credit, credit-card, credit-cards, credit-limit, having-total, major-issues, Personal, revolving, total-credit
Auto loan paid
I was in a recent car accident (31 Oct 10) and totaled lost my van. The insurance company paid the van off and I had some funds left over. once the lien holder reports to the CB which should be around 10 December, should my score go up any or probably not.
Categories: General Credit Tags: balance, Credit, credit-file, funds-left, holder-reports, lien, once-the-lien, paid-the-van, recent-car, revolving, score
Trying to dispute joint account w/late payments
I agreed to co-sign an account for my cousin so she could have a much-needed medical procedure. She was late on two payments earlier this year, and now it's affecting my credit adversely. I've disputed it, but they verified that I am a cosigner.
Categories: General Credit Tags: account, cousin, Credit, happened, late-on-two, middle, resolved-before, revolving
USAA CreditCheck Premium
i just signed up for this service since it offers daily updating........holy crap! the format of this is terrible.
Categories: General Credit Tags: Accounts, accounts-report, after-the-first, format, pretty-much, revolving, service-since, since-it-offers, truecredit
i want a personal loan
for business purposes. we have a family business. im not listed on the coorporation. im just a son. and i manage the place. off the record im the owner but on paper i am clearly not. i wont be able to get a business line of credit because im not associated with the tax id number....
Categories: General Credit Tags: bank-or-credit, business, coorporation, credit-because, etc-do-personal, family-business, get-approved, more-flexible, revolving, under-writing
Wanting to close a checking account and overdraft protection. how would that affect my score?
Hello everyone, I have a dilemma... When I first opened a Citibank EZ Checking account years ago, it was a very fee-free account. No minimum balance req, no monthly fees as long as you make two bill payments per month from your account. Well, over the last year this has changed, and my account is subject to monthly fee charge if average daily balance of $1500 is not met : ( I also have a small line of credit linked to this account. This used to be that we pay a small annual fee and it will cover for accidental overdrafts, and you will just pay the interest on whatever amount you overdrafted. This also changed over the last couple of years. Now, they charge you $10 every time you over draft, plus they automatically transfer a sum rounded to the $100s to your checking and charge APR over that amount instead of the amount you actually went overdraft, so even if your overdraft was only $2, you are still paying APR based on $100. I have been unhappy with this new policy for a while now and have been pondering about ending business with this bank. However, couple of circumstances concern me
Categories: General Credit Tags: account, Banking, checking, creditcards, minimum-balance, opinion, over-the-last, overdraft, picture, recently-bought, revolving
Inquiry not being reported…I guess?
I recently requested a CLI on my Sears (Citi) card.
Categories: General Credit Tags: Accounts, citi card, cli, consumer-finance, equifax, Guess, info., letter-saying, new-inquiry, other-revolving, reasons, revolving, said-the-info, sears, the-reasons, utilizations
Ratio of revolving debt question
I just checked my credit and found out that my revolving credit usage is negatively effecting my fico score. The problem is that the percentage reported is incorrect.
Categories: General Credit Tags: balances, Banks, banks-reported, Credit, credit-bureaus, credit-cards, credit-reports, debt question, details, fico-score, last-recieved, Percentage, reported, revolving, revolving credit, revolving-debt, scores, total-balance