p****x
发帖数: 4260 | 1 A＋ 720＋
A 680-719
B 640-679
C 600-639
D 550-599
E 549-
A+ is the best rate, that's why people say if your credit score is more
than 720 you are set.
But one more thing:They told me that the finance institution may reweight each
item in your credit file to get their own score. so the score you get from
Equifax is called a general score, it may be different from the score
you get when you have your finance institution pull out your credit report. |
|
c*y
发帖数: 8 | 2 Just disputed with Experian for my LD's credit report, here is my
experience, hope it will help others with the same problem.
About one month ago, my LD tried to ask for credit line increase.
Several days later, the request was rejected by email for there are
delinquent accounts in her credit report. One week later, got the
mail with a case number, and an Experian telephone number that it
said we can call to get a free credit report.
I called the number, input LD's SSN and zip code, but the syst |
|
z****l
发帖数: 5282 | 3 ☆─────────────────────────────────────☆
zuomai (拭者如风) 于 (Thu Sep 22 21:21:38 2005) 提到:
09/21/2005* Credit - Distribution of Credit Balance -0.93
为什么会credit我0.93呢?
☆─────────────────────────────────────☆
phynix (八色十四星) 于 (Thu Sep 22 21:25:26 2005) 提到:
if your total blance<1$, they credit you the amount and save the hassle of c
harging you for that.
☆─────────────────────────────────────☆
lxinzheng (头发2mm长) 于 (Thu Sep 22 21:29:38 2005) 提到:
什么卡有这政策？
☆───────────────────────────── |
|
p****x
发帖数: 4260 | 4 ☆─────────────────────────────────────☆
passwd (当回rib妹) 于 (Tue Jun 10 15:00:27 2008) 提到:
去macys开卡，声明不要credit card，只需要store card，结果过了几周收到卡，上面
有visa标志，还有5000的credit limit。
我被弄糊涂了，到底这个是不是credit card？
请高手解答一下。
还有，我还有机会cancel吗？因为卡寄过来的时候上面没有贴激活的条，是不是已经被
激活了的？
☆─────────────────────────────────────☆
qixin (ilw) 于 (Tue Jun 10 15:01:13 2008) 提到:
有visa标志应该是credit card了吧
☆─────────────────────────────────────☆
buzhangglen (部长) 于 (Tue Jun 10 15:03:25 2008) 提到:
为什么只要store card？跟cc一样算hard inqu |
|
p****x
发帖数: 4260 | 5 ☆─────────────────────────────────────☆
cindyhan314 (亲亲) 于 (Thu Jul 3 18:01:01 2008) 提到:
很久以前，被boa 的representitive 告知可以给我们一个0% apr on purchase 的
offer。还很殷切的告诉我们，如果我们要申请，一定要去找她。
前两周，lg去银行办事儿，想快交学费了，就顺便找那个re把它申请了，当时lg还再三
的强调了是要0% on purchase, not balance transfer。 那个re的态度好的吓人的再
三确定了，好说credit line 起码10，000。
结果今天我收到信一看，credit line 只有5，000， 而且还是on balance transfer。
真是气死我了，越想越气。
请大家支支招有没有什么办法解决？我还没有activate这张卡。
1。如果close它的话，会不会影响credit阿？
2. 如果是re帮我们申请错了，那我还能不能申请boa别的卡，把这2张合并？这样会不
会也减credit 阿？
谢谢 |
|
l*****7
发帖数: 1125 | 6 也就是说，副卡没用了，不怕hard了？
Fair Isaac (FICO), the major player in the credit scoring industry, has
decided to change its formula for calculating scores. A credit score is a
three-digit number that attempts to predict the likelihood that a particular
consumer will be able to pay off debts and loans in the future. FICO scores
range from 300 to 850: The higher your score, the better your credit. Your
FICO score can determine whether you qualify for a mortgage, car loan, or
credit card, and how much intere |
|
c*****h
发帖数: 52 | 7 大家有没有加入BOA的credit protection plan？好处挺多的，搬家或是毕业可以收
到$500的credit.我打了电话说要毕业，客服说只要把毕业证书COPY给他们，他们就
会在5天之内 credit$500到我BOA的credit card上。有用过这个计划的人吗？听起
来似乎不可思议。这个计划每个月要收费20快。 |
|
g****n
发帖数: 2324 | 8 一般这样子比较快提高你的credit score：
先申请secure credit card，就是要押金的那种，通常300-700，一年过后自动取消并
给你一张真正的信用卡，这是你的分数已经有平均分之上，大概650-680左右
然后就是买车，一般这个时候可能apr会比较高，我个人比较走运，买车的时候有0 APR
，每月不用利息还能升SC，与此同时再申请其他credit card。。。两年之后，车供完
了，credit score就740左右了，要想再增加恐怕要买房子了吧～呵呵 |
|
f**********n
发帖数: 3081 | 9 Get Unlimited Access to Your Credit Score.
USAA has teamed with ConsumerInfo.com®,(1) an Experian® company,
to bring you CreditCheck® Monitoring. At an exclusive USAA member price
of $5.50 per month,(2) typically half the cost of what you might pay
elsewhere, you will:
* Have unlimited access to your Experian credit score and personal credit
report online.
* Receive alerts of critical changes to your Experian credit file at your
Personal Profile(3) e-mail address.
* Be able to det |
|
l********s
发帖数: 1536 | 10 is it for 30-day trial?
Do I have to cancel after 30-day?
It says:
Why should you request your complimentary 30-day Credit Score & Report?
* It allows you to detect possible inaccuracies on your Credit Report
* It provides you immediate access to your valuable Credit Score for 30 days
* It enables you to see who has viewed your Credit Report
* It helps you determine if your accounts are in good standing
Thanks |
|
i****4
发帖数: 1906 | 11 With a credit freeze, you'll typically have to pay $10 to $12 to each
bureau to freeze your credit reports, for a total cost of $30 to $36.
冻结一个就得给一家交10-12块
In several states, you'll pay $10 to each bureau for a general credit-
report thaw, or $12 per bureau to thaw your report for a single lender.
解冻似乎还得每家10-12块。。。
tate Fees and other facts
Alabama
$10 to place, lift or remove
Alaska
$5 to place, $2 to lift temporarily
Arizona
$5 to place, lift or remove
Arkansas
$10 to place, lift or remove |
|
k****a
发帖数: 4944 | 12 有谁总结一下？
The rules that credit-card companies have to live by changed dramatically
with the enactment of new regulations last month. Now, some of the rules for
consumers striving to maintain good credit are changing, too.
For the most part, card holders would still do well to pay on time, keep
their balances low and refrain from applying for too many credit cards at
once. But some of the old tenets may not always hold up, as credit-card
companies continue to adapt to the new environment and look |
|
g********x
发帖数: 4671 | 13 it'll definitely impact your credit score in short term.
You should not apply for much credit if you plans to use credit soon such as
mortgage or car loan. |
|
b******g
发帖数: 491 | 14
I have four Chase credit cards with total credit line more than $35000....
The funny thing is when I tried to apply for Chase UA card with 50000 miles
bunus last month, I was rejected due to the insufficient credit history...I
guess I might have too many credit cards (2 from Amex, 1 from Discover, 1
from HH, 2 from Citi and 2 from BOA) and am ok with the rejection, but just
wonder how sufficient is called sufficient... |
|
n*********e
发帖数: 2289 | 15 If it is your first credit card, it will affect your history definitly.
If the credit line of it take a large part in your total credit, it will
also do harm to your history.
If you only open this for a short time, it will also have negitive effect
for you within about 2 years. Creditor may be concern about his. |
|
l********1
发帖数: 176 | 16 short time请问是多久，半年后关可以了吗？
If it is your first credit card, it will affect your history definitly.
If the credit line of it take a large part in your total credit, it will
also do harm to your history.
If you only open this for a short time, it will also have negitive effect
for you within about 2 years. Creditor may be concern about his. |
|
n*********e
发帖数: 2289 | 17 没有信用卡的可以试试
citi对学生还是不错的
推荐申 dividend 和forward
* $50 statement credit when you make $50 in purchases within 90 days of
being a cardmember
* No annual fee
* No Cosigner Required
* $0 liability on fraudulent charges
* extra benefit on each credit card
* Credit Card choices:
o Citi Forward® Card
o Citi® Dividend Platinum Select® Card
o Citi® mtvU™ Platinum Select® Card
http://creditcards.citicards.com/usc/College/mul |
|
Y********e
发帖数: 2445 | 18 最近查信用报告，有一张Visa Signature card在报告上没显示credit line,
而是question mark。所以信用报告算balance/credit ratio时没法算，
只能用那张卡曾经最高的balance来作为分母，因此我的credit score小受影响。
打电话给这张卡的customer serivce，被告知Visa Signature cards都不报告
credit line，这是feature之一。
分特，头一次听说这个。上来问问大家。 |
|
h****j
发帖数: 230 | 19 准备明年买房了， 我们是经常跳credit card deal的那种人，每年都得申请几张卡。
想从现在开始停止申卡攒credit。两个人都得攒吗？ 贷款的时候看1个人还是两个人的
credit? thank you! |
|
s***n
发帖数: 1114 | 20 我第一次申请没看到app id，就又上网填写了一次，依然没发现id，今天发现被拒，就
又上网申请了一次，按照版上同学的方法找到了id，打电话过去，再次被拒。然后重新
申请amex的，再次被拒，这算是四次。
刚才一怒之下把我的citi account关了，把我一直用的citi platinum取消了，上网一
查，关掉我的第一张信用卡会严重影响我的credit score（我只有这一个卡），于是赶
紧打电话给citi要他们恢复，顺便问了一下刚才关卡有没有影响，接电话的人说不会影
响，不会报告给credit beureau。这才放心。冲动是魔鬼。以后还是老老实实的用这张
citi卡吧。
所以有俩问题：
1。我这次连续申请4次，连续被拒，不知道会不会严重影响我的credit score？
2。我以后申请个chase freedom，会不会继续降低我的credit score？大家觉着还有必
要申请吗？
谢谢大家 |
|
b*******2
发帖数: 2121 | 21 去医院看病.该交的钱都交了.其他的都是保险cover.
医院把我的血液送到一个什么ACM lab 去化验,医院把我的地址搞错了(完全是医院的责
任).结果ACM lab 给错误的地址送了bill, 当然我是收不到的. 后来ACM lab 又把事情
交给了debt collection. debt collection 再交给credit report agency.
就这样我的credit report上无缘无故的多了一条unpaid debt.我联系了credit agency
要求dispute,解释了原因.但是他们不管,只管说debt collection给他们的,他们就接
受.
联系了debt collection, 他们说地址是ACM lab 送给他们的,是什么就是什么. 也不管
对错.
ACM lab 说已经交给debt collection 处理了. 有事找debt collection. 也不管.
找医院, 当然更不管了...
请问现在该怎么办?
怎么样能消掉credit report上这条negative debt collection?
如果消除不掉,请问有多大影响 |
|
y********n
发帖数: 255 | 22 【 以下文字转载自 Living 讨论区 】
发信人: yancychian (可乐妈), 信区: Living
标 题: 正在看房，可是想要关掉一个$11K的credit card,对credit score的影响有多大呀？
发信站: BBS 未名空间站 (Wed Aug 11 00:51:31 2010, 美东)
正在看房中，什么时候买的到房就不知道了。但是USBANK信用卡今天通知要收年费了，
想把它关掉算了，因为都没有再用，就是已经用来做BT的，可是信用额比较高有一万一
的额度。不知道关掉它对于我的credit score会有多大影响呀？谢谢各位牛人了 |
|
g**********f
发帖数: 68 | 23 刚才查了一下自己的credit score发现只有690分，只是fair而已，很是郁闷，看来要
贷款买车也拿不到什么好利率了。看其中各项评分，信用记录短是一个问题，只有两年
半，另外一个就是credit account太少。我现在只有两张visa卡，基本只用其中的
chase freedom.请问我可以申请什么卡来增加credit score呢？如果我申请要求good
credit的卡会不会被锯掉？另外，这种积分申请贷款买车是不是反倒会降低积分啊？
多谢各位！ |
|
j********9
发帖数: 1099 | 24 I registered an account at creditkarma.com to check my credit score. It
was 671 at August, 666 at Sept and is 633 today!
The creditkarma said to check my score with them won't affect my score.
And I did nothing wrong these two months. (I applied one credit card and
opened gas&electronic account one month ago). I paid my credit card as
soon as the statement came out.
How can I know what's wrong with my credit score?
Thanks! |
|
Q***u
发帖数: 433 | 25 可以说没有影响。你cancel这个卡后，记录还会保持7-10年。在你开了这张卡后的7年
里，你肯定又开了几张别的卡，它们的history足够offset第一张卡的记录了。当然，
如果你总共只有比如$20,000的credit line，而你的这张卡就占了50%，那么就会有很
大的影响，因为你的debt/credit比(something like that)会大幅增加。不过你说是个
security credit card (should be "secured", I guess)，估计credit limit不会高
的。 |
|
y***m
发帖数: 7027 | 26 被拒了
https://www.credit.com/identity_verification/questions.jsp
We're sorry. We can't verify your identity.
To ensure the privacy and security of your information, we are unable to
complete your request for a free Credit Report Card.
This could be due to inaccurate data listed on your TransUnion credit report
. You may contact TransUnion directly or attempt ordering your free credit
report through www.annualcreditreport.com - (877)-322-8228 - for more
details. |
|
b*****n
发帖数: 854 | 27 那就看看附近credit union的secured credit card，应该没有年费。我当时就是刚拿
到ssn就申卡结果被拒了几次，申的credit union的secured credit card，用了半年后
申到了带reward的信用卡 |
|
|
M**********0
发帖数: 415 | 29 我这是第三次申请citi的信用卡被拒，要不是看在AA那75k的里程都懒得搞他家的卡了
。上周花了两个小时想来搞清楚这个问题，结果citi和experian的客服都很不耐烦回答
我的问题。citi一会儿说我的credit score低，一会儿说我的信用报告里数据不足。打
电话问experian，她就说我有信用记录，不是没有。我问她报告里那些“no data”是
什么意思正不正常她就还是强调我有信用历史。
小结一下我的信用报告：
credit score: 728
Credit history: 4.5 years
average: 2 years
我所有的信用卡都在里面，但很多项目里面虽然有balance，但后面的还款日期和金额
都是“no data”，如图。
以前一直通过credit karma查看分数，申请别家的信用卡也从来都没有问题。 看过信
用报告的童鞋说说俺这种信用记录正常不？ |
|
b*******s
发帖数: 308 | 30 I want to share my lending club experience here:
Open a lending club account (www.lendingclub.com) and deposit money via
paypal. You can add as much money as you want ($5000 each time). You can add
many times even with different credit cards. And you can even open many
lending club accounts with the same ssn number.
From the trading platform, you can buy the good notes (credit score and
history are good, etc....) with >1% discount. Some time you can get >20%
discount. When you sell your notes, t... 阅读全帖 |
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c*********7
发帖数: 131 | 31 今天收到chase得5％，只给了1700的credit line，之前在板上看到得都是说现在不能
在同一公司得两张卡之间转credit
line了。但还是抱着试试的心态打了客服电话，要求把co的credit line转到这张卡上
，没想到客服很爽快的就答应了，所以
上来给兄弟姐妹们报告以下。
另外请问一个cash back的问题： 比如credit line 5000的话，在月中消费了5000，然
后在出statement之前还款，再接
着消费5000，那statement里面算cashback是按消费5000算还是10000算呢？ |
|
l*****l
发帖数: 222 | 32 From FICO
Past payment history 35%
Outstanding debt 30%
Length of credit history 15%
Recent credit applications 10%
Types of credit and loans you have 10%
See inquires are not so much important! Lower your credit outstanding
percentage is the first you have to do in the beginning. |
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o*****x
发帖数: 2531 | 33 Chase freedom也是，只报告最高balance，不报credit limit。如果其他卡的credit
line不高的话，会导致总的balance/credit line的比值很高（因为chase这个的credit line按零算），对信用分数有负影响。 |
|
n**********E
发帖数: 157 | 34 今天通过annualcreditreport.com要了一份free credit report (from TransUnion),
同时购买了credit score. 因为credit score比预想的低很多 (760 grade C in
Vantage score),所以怀疑会不会有medical bill collection什么的。但free credit
score里面只包含了信用卡的信息，没有其他信息。想问问这个free report 全面吗？
如果没有任何显示，是不是就说明没有collections. 谢谢谢谢！ |
|
t******d
发帖数: 1410 | 35 My GF has a very bad credit history and bad credit score.
I wonder if I add her an anthorizor for my credit card, will it harm my
credit score in the future?
Thank you in advance. |
|
p*******i
发帖数: 141 | 36 每天开车收音机里都能听到mattress discounters的广告，说什么买床垫可以no
credit check payment plan，或者INTEREST FREE FINANCING，很好奇搞这个能够帮助
提高credit score吗？貌似申请的话也是要提供ssn的，是不是就算是soft pull啊？几
百块钱的额度，如果对credit有影响的话，不知道有多大。大家有啥想法～ |
|
|
p*********7
发帖数: 365 | 38 大过节的问个问题，请有经验的大侠出出主意，非常感谢！
大家知道如果有几百块医疗copay没交，会损失多少credit吗？
我们搬家，之前的账单没有收到，然后医院把account交给collection agency了。好几
百块copaycharge的特别不合理。我们在跟医院保险公司商量中。但是collection
agency态度特别不好，简直是rude，都不听我解释，态度让人非常生气，而且说30天直
接送到credit report去。
我credit一直很好，请问如果闹到credit report去了，会大概损失多少分数呢？
非常感谢～～～ |
|
c*****r
发帖数: 1491 | 39 刚申了张chase的slate no balance transfer fee credit card
想把里面的银子弄出来花
但是貌似it只能做credit card to credit card的transfer
有没有办法把银子搞出来？ |
|
d***h
发帖数: 846 | 40 I applied the card couple days ago and never heard anything from chase.
Called today and the CS told me that my current line of credits is high (
total $60K credit line on 3 cards). She offered me to reallocate the credit
line and approve the UA card with $15K credit line. |
|
H*********s
发帖数: 263 | 41 因为是F1学生，所以我半年前申请了一张wells fargo的secured credit card。
上个星期我去branch，想转成正常的credit card，不用交年费的，但是现在还是被拒
了，理由还是not a permanent resident。
我想问一下大家有这种情况的，是怎么转成正常的credit card的？我不想永远用
secured CC，也不想关掉，因为已经有半年信用。不知道可不可以在网上自己转，然后
填PR，因为我在branch里对着banker只能实话实说我不是PR。。。谢谢！ |
|
e******n
发帖数: 575 | 42 你这个CREDIT UNION是不是我这个CREDIT UNION？CREDIT UNION是不是只有一家？我有
一个CREDIT UNION的卡大概1年多没用过了，前2天收到offer，一个月内用1000，返$
250，以为看错了$25，没错，是$250,电话确认了。 |
|
m*****a
发帖数: 2609 | 43 老婆刚拿到ITIN，考虑build credit for a long run，想给她开个credit card。网上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
(1) Amazon Chase: Pending
动机：
申这个是因为这个申请上明确说可以使用ITIN. Quote:
“Requirements: You must be a U.S. Resident, have a U.S. Social Security
number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and
be at least 18 years old (19 in AL and NE).”
http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nod
结果：Pending
"Thank you for applying for the Amazon.com Rewards Visa Card.
Unfortunately, an immediat... 阅读全帖 |
|
m*****a
发帖数: 2609 | 44 I guess you are talking about your real experience, right? Really appreciate it!~ I will do as you suggested.
Here is similar card at BOA. But BOA generally offers less attractive credit
cards. So I favor to build credit with citi or, even better, chase for her.
https://www.bankofamerica.com/credit-cards/products/secured-credit-card.go
I will update later about the possible progress on Chase Amazon and AMEX
Hilton. I sent out those materials to AMEX. Let's wait and see.
check |
|
w****n
发帖数: 127 | 45 申请UA，说要等待decision。
然后第二天Credit Karma发来邮件说有两个alert：
1. You have a new credit inquiry on your credit report submitted by CHASE；
2. You have a new account with CHASE BANK USA NA listed on your credit
report.
Chase账户里面没有查到新账户的信息。请教一下我这样的情况算是通过了吗？版上有
过类似的情况吗？ |
|
c**2
发帖数: 8496 | 46 if you pull her a free credit report, can you see any prior credit history
before her credit card? If none in credit report prior and she doesn't have
6 months of income history, then only secured card and student card are
possible. Or you show your tax return that she is jointly filed? some banks
might accept that. |
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b*******f
发帖数: 428 | 47 I have just tried several credit score service.
Experian: 730+ ($1 free trial)
Citi Monitor: 720+ ($4.99/month, update monthly)
Quizzle: 720+ (Free, update semi-year)
Credit Sesame: 740+ (Free, miss some inquires)
Equifax: (no free trial)
Citi Monitor: 700+
Myfico: 690+ (Free trial)
TransUnion: 770+ (Free trial)
Citi Monitor: 700+
Credit Karma: 770+ (Free, update daily?)
In summary:
1. Credit Sesame is the worst.
2. And there is no way to see lender fico scores through these services.
Most a... 阅读全帖 |
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w******o
发帖数: 423 | 48 看了不少帖子，是不是查看credit score对自己credit history不好，会产生"hard
pull"?
我有capitalone的secured credit card好几个月了，想看看自己信用记录涨到可以申
请普通credit card的情况了没，有什么安全的办法可以查到呢?
Thanks |
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a**********c
发帖数: 70 | 49 有个哥们说的对，留住老卡，关掉新卡，提高平均开卡年龄很重要。
Credit history is a significant component of your credit score. As such, the
average age of your credit lines can be a strong indication of your credit
history. |
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y****i
发帖数: 17878 | 50 I used to believe so, but not anymore
so go ahead and close your first BofA CC
"Recently, I learned that closing a credit card actually has no effect on
your average age of accounts or credit history length. The closed account
will stay on your credit report for 10 years."
http://www.mymoneyblog.com/how-opening-and-closing-credit-card- |
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