w*******y
发帖数: 60932 | 1 This is easy to do, and a very good deal. Just found it quite randomly.
First, go rent Toy Story 3 with Amazon's Video on Demand for 48 hours for .
99 cents. It looks like this offer is good for this weekend only from what I
read. Link:
Link:
http://www.amazon.com/gp/product/B004C3DLJS
After you rent it, you will get an email immediately afterward saying this:
Your recent order XXXXXXX entitles you to a promotional credit which we have
added to your account. This credit can be applied to your n... 阅读全帖 |
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w*******y
发帖数: 60932 | 3 For a $1 purchase get anywhere from $2 to $1000 dealpulp.com credit.
Link:
http://dealpulp.com/
Why It's Fresh
We're celebrating our 3-month Pulpiversary with "Orange You Lucky?," which
will hook you up with a mystery DealPulp credit
Everyone will receive a credit of at least $2, while 1,000 members will
receive credits of $5, $10, $25, $100, $500, or even $1,000
We'll send you your very own top-secret code, and in order to uncover its
value, you'll need to enter it on DealPulp
Fine Print
Other ... 阅读全帖 |
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w*******y
发帖数: 60932 | 4 American Express offers its new inSite users a $10 statement credit after
spending $10 or more at a select online retailer via the directions below.
The only eligible merchants are Barnes & Noble, Crate & Barrel, JC Penney,
Macy's, and Zappos. Note that the purchase must be made online and the
credit will take up to two billing cycles to appear on your account. Deal
ends July 31. link:
ttps://home.amexinsite.com/insite_rewards_and_benefits.htm
copied from the site:
Terms and Conditions
To be eli... 阅读全帖 |
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w*******y
发帖数: 60932 | 5 Link:
http://www.amazon.com/gp/feature.html/ref=tsm_1_tw_s_aiv_loc8yq
Welcome! Please follow these steps to get your $5 credit.
At Amazon Instant Video, watch over 100,000 movies and TV shows. Use your $5
credit to rent a new release movie, catch up on recent TV seasons, or even
watch your favorite TV shows the day after they air.
Click the button below and you will:
Connect your Amazon.com and Twitter accounts. (If you are not already signed
in, you will be prompted to do so).
Automatically fol... 阅读全帖 |
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w*******y
发帖数: 60932 | 6 I've been out of contract on T-Mobile for a few years. Been looking into
switching to Simple Mobile, and comparing them with T-Mobile's new
Individual Value Plans, and other options. I've also looked into joining my
family's Family Plan (they're on an older 'special' non-contract plan), and
upgrading it to the newish Family Value Plans. Both of these options would
require a 2 year contract.
I've spoken with T-Mobile Customer Retention a number of times and the one
thing of note that seemed worth... 阅读全帖 |
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w*******y
发帖数: 60932 | 7 I've been out of contract on T-Mobile for a few years. Been looking into
switching to Simple Mobile, and comparing them with T-Mobile's new
Individual Value Plans, and other options. I've also looked into joining my
family's Family Plan (they're on an older 'special' non-contract plan), and
upgrading it to the newish Family Value Plans. Both of these options would
require a 2 year contract.
I've spoken with T-Mobile Customer Retention a number of times and the one
thing of note that seemed worth... 阅读全帖 |
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w*******y
发帖数: 60932 | 8 I've been out of contract on T-Mobile for a few years. Been looking into
switching to Simple Mobile, and comparing them with T-Mobile's new
Individual Value Plans, and other options. I've also looked into joining my
family's Family Plan (they're on an older 'special' non-contract plan), and
upgrading it to the newish Family Value Plans. Both of these options would
require a 2 year contract.
I've spoken with T-Mobile Customer Retention a number of times and the one
thing of note that seemed worth... 阅读全帖 |
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w*******y
发帖数: 60932 | 9 Link:
http://www.facebook.com/americanexpress
under link, like, love
TigerDirect.com
Offer Valid 11/29/2011 - 1/31/2012
Spend $150 or more, Get $20 back
Receive a $20 statement credit when you spend $150 or more online at
TigerDirect.com through January 31, 2012. Click the 'confirm' button and use
your linked American Express Card to redeem this offer today!
Offer Terms:
To be eligible to receive a $20 statement credit you must click the 'confirm
' button and use your linked Card account to make... 阅读全帖 |
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w*******y
发帖数: 60932 | 10 If you don't already have an account, sign up for one here:
http://www.plumdistrict.com/
.
Refer yourself and open a second account. Your second account will receive a
$5 credit as well as your original account after you make the purchase.
Make your here:
http://www.plumdistrict.com/
using your 2nd account. Apply promo code fabulous at checkout for an
additional 10% discount, $2.50.
$25
- $5 new account credit
-2.50 promo code
____
$17.50 + $5 credit on your original account for future purchas... 阅读全帖 |
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w*******y
发帖数: 60932 | 11 I'm not sure where this goes - I got this email last night form Chase with a
$20 credit offer to their new local deals site. I signed up - just got a
thank you page. It says no deals are live yet. But, it did show that I had
$20 credit.
Here's the link for anyone who wants to sign-up:
Link:
http://email.chase.com/10c9b83a1layfousibqf656yaaaaaadk2zy2ctbb
And here's the email text:
Introducing CHASE My Offers, your source for daily deals at your favorite
local spots.
* A program designed esp... 阅读全帖 |
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G*******s
发帖数: 10605 | 12 【 以下文字转载自 SmartShopper 俱乐部 】
发信人: GoRockets (火箭加油), 信区: SmartShopper
标 题: FREE $2 Amazon Instant Video Credit (Via Facebook)
发信站: BBS 未名空间站 (Fri May 25 22:25:44 2012, 美东)
Amazon.com offers FREE $2 Amazon Instant Video Credit (Via Facebook) for
Free. Click Share & Claim to post your response on Facebook.
Upon completion of the "Share & Claim" action, a $2 Amazon Instant Video
credit will be automatically applied to your Amazon account. Promotional
credits must be redeemed by 11:59 PM PST on May ... 阅读全帖 |
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l**c
发帖数: 393 | 13 确定么？这个link写的，看起来像能呀？
http://www.investorguide.com/igu-article-94-credit-reports-over
Here is what you will find on your report:
2. Credit information: information for each account you hold, such as date
opened, credit limit or loan amount, balance, monthly payment and recent
payment history. This information is gathered from a large number of sources
, including banks, credit unions, credit card issuers, mortgage and loan
companies, landlords, insurance companies, professional service
organizati... 阅读全帖 |
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h*******u
发帖数: 15326 | 14 July 25 (Bloomberg) -- The Republican-led U.S. House of
Representatives voted to increase the child tax credit,
including expanded benefits for upper-middle-class parents.
The proposal, passed on a 237-173 vote, would index the
$1,000 per child credit to inflation, let people with higher
incomes claim the credit and remove a marriage penalty. It would
cost the government $115 billion in forgone revenue over a
decade and Republicans said it would help families keep up with
the increasin... 阅读全帖 |
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b*****d
发帖数: 61690 | 15 Records filed with the New York City finance department over the weekend
indicate that Donald Trump once again received a property tax credit for
those making $500,000 year or less, Crain's New York Business reported
Monday.
Trump's NYC property tax bill, published June 3, states that the presumptive
Republican presidential nominee received a $304 credit for his Trump Tower
penthouse under the New York State School Tax Relief Program, also known as
the STAR program. Married couples are only elig... 阅读全帖 |
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s********i
发帖数: 17328 | 16 credit现在也是月经贴了。credit没啥神秘的，不就是赊账么？
credit的实质是promise to pay。 这一点在money and banking里很重要。举个简单的
例子，国家发行了200元货币，你拿100，我拿100，如果是现金交易，那么咱俩只能用
这200百块钱搞来搞去，你卖我个苹果10块，我卖你个香蕉10块，没问题。但如果，你
想卖我个苹果手机5000块，我想卖给你个三星手机5000块，就没办法交易了。如果，现
在说，我给你一万块credit，你给我一万块credit，那么我们就可以交易了。 |
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l****z
发帖数: 29846 | 17 【 以下文字转载自 Accounting_Job_Network 俱乐部 】
发信人: lczlcz (lcz), 信区: Accounting_Job_Network
标 题: Be on the Lookout for Credit Card Fees
发信站: BBS 未名空间站 (Sun Jan 27 15:28:45 2013, 美东)
Written by Nickel
Consider yourself warned… Starting tomorrow (Sunday, January 27th)
merchants are free to start applying a surcharge for credit card purchases.
We’ve talked in the past about credit card surcharges, and how the major
card networks didn’t allow them. Well, that all changed this past summer
when Visa and Mas... 阅读全帖 |
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s**********y
发帖数: 44 | 19 我想卖的物品:
Southwest Airlines Credit
单张面值:
$86.30
可接受价格(必须明码标价！):
$65
邮寄方式要求:
s**********[email protected] or 站内
付款方式说明:
paypal
其他补充说明:
必须在Feb 13, 2012年前使用
物品来源(Required for All Cards!):
个人购买的
我的联系方式:
s**********[email protected] or 站内
能否证明是合法的一手卡?(Required for All Cards!):
绝对可靠
Notes:
I have Southwest Airlines Travel credit of $86.30.
Last year I had to cancel a flight for personal reasons. I used the credit for another flight later but still have $86.30 left.
This credit is fully transferable and has no blac... 阅读全帖 |
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s**********y
发帖数: 44 | 20 我想卖的物品:
Southwest Airlines Credit
单张面值:
$86.30
可接受价格(必须明码标价！):
$65
邮寄方式要求:
s**********[email protected] or 站内
付款方式说明:
paypal
其他补充说明:
必须在Feb 13, 2012年前使用
物品来源(Required for All Cards!):
个人购买的
我的联系方式:
s**********[email protected] or 站内
能否证明是合法的一手卡?(Required for All Cards!):
绝对可靠
Notes:
I have Southwest Airlines Travel credit of $86.30.
Last year I had to cancel a flight for personal reasons. I used the credit
for another flight later but still have $86.30 left.
This credit is fully transferable and has no blac... 阅读全帖 |
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m*****s
发帖数: 2227 | 21 6/21/11买的，还没有收到$100 credit
怎么得到 XBox 340 4GB Console $100 credit??
$100 credit是gift card/certificate,,,or $100 credit for next purchase?
Amazon has the XBox 340 4GB Console with Kinect for $299.98 today ONLY (6/21
/11). You will receive a $100 Amazon credit with your purchase. That’s
like getting this system for only $198.99. |
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a***r
发帖数: 48 | 22 二手交易风险自负！请自行验证是否合法和一手卡！:
y
我想卖的物品:
Southwest air ticket credits: three credits with value up to $640.2
单张面值:
$213.4 X 3 张
可接受价格(必须明码标价！):
$200 for each credit, or $590 for total
物品新旧要求:
New
邮寄方式要求:
Email Confirmation Number and instruction to buy tickets with credits
买卖双方谁承担邮寄损失(Required if not code only):
NA
付款方式说明:
BOA transfer (preferred) or Paypal
其他补充说明:
Terms and conditions:
1.Buy one, two or three credits to purchase your air tickets on southwest.com, which usually sell cheaper tickets th |
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a***r
发帖数: 48 | 23 Updated ad.
二手交易风险自负！请自行验证是否合法和一手卡！:
y
我想卖的物品:
Southwest air ticket credits: three credits with value up to $640.2
单张面值:
$213.4 X 3 张
可接受价格(必须明码标价！):
$200 for each credit, or $590 for total
物品新旧要求:
New
邮寄方式要求:
Email Confirmation Number and instruction to buy tickets with credits
买卖双方谁承担邮寄损失(Required if not code only):
NA
付款方式说明:
BOA transfer or Paypal
其他补充说明:
Terms and conditions:
1. Buy one, two or three credits from me to purchase your air tickets on
southwest.com, which usually sell cheaper |
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s**********y
发帖数: 44 | 24 我想卖的物品:
Southwest Airlines Credit
单张面值:
$86.30
可接受价格(必须明码标价！):
$65
邮寄方式要求:
s**********[email protected] or 站内
付款方式说明:
paypal
其他补充说明:
必须在Feb 13, 2012年前使用
物品来源(Required for All Cards!):
个人购买的
我的联系方式:
s**********[email protected] or 站内
能否证明是合法的一手卡?(Required for All Cards!):
绝对可靠
Notes:
I have Southwest Airlines Travel credit of $86.30.
Last year I had to cancel a flight for personal reasons. I used the credit for another flight later but still have $86.30 left.
This credit is fully transferable and has no blac... 阅读全帖 |
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x*******a
发帖数: 80 | 25 job description from the credit role:
Description: We are a multi-national, middle-office, financial derivatives
team of 25 people based in three locations world-wide. The team covers all
aspects of model validation, model-related issues in trade approvals and
reserves for interest rates, equity, FX and credit products, assessment of
the impact of models on valuation, market, and credit risks. Together with
other teams, it also develops methodologies for aggregating market, credit
and operationa... 阅读全帖 |
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b****y
发帖数: 72 | 26 【 以下文字转载自 Statistics 讨论区 】
发信人: billyy (新来的), 信区: Statistics
标 题: Multiple Openings: Consumer Credit Risk (MS Stat, Sr, Jr), Model Risk (PhD)
发信站: BBS 未名空间站 (Wed Mar 28 00:32:29 2012, 美东)
Multiple openings in a large commercial bank located in the Midwest.
3~4 senior positions in consumer credit risk. MS/PhD in Stat/Math/OR/Econ.
SAS and other modeling tools. 3+ years of experience in at least one of
these areas: origination/behavior scorecards, origination strategy, loss
forecasting, stress te... 阅读全帖 |
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s******m
发帖数: 118 | 27 Please send application and resume to c***********[email protected]
Job Summary:
Assist the Credit Portfolio Management team in managing various projects
to improve portfolio and risk management, including topics such as
Economic Capital (EC), concentration risk management, stress testing,
and portfolio management and hedging. This will include deal risk
adjusted return analysis, deal impact analysis, portfolio optimization
analysis, concentration risk management, credit portfolio hedging,
scenario a... 阅读全帖 |
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T********g
发帖数: 94 | 28 正在买foreclosure的房子，银行给了5000块的closing credit,怎么用这些钱呢？我的
agent说除了downpayment外，什么都可以用。但是，我去要Good faith Estimate的时
候，broker又说inspection, apprisial什么的不能用。
有些糊涂，有经验的人来说说吧。
- 怎样把这些credit用得最尽。inspection怎么用，直接和inspector说我们用closing
credit付吗？
- apprisial一定要pay up-front吗？如果是这样，就没法用closing credit了吧？有
人用过closing credit 来付吗？怎么弄？
- 怎样找好的lender/broker?在加州。最怕贷款下不来。
- 请在加州湾区（东湾）的XDJM们推荐一下好的inspector吧。我们想查一下general,
radon和termite三项。
先谢谢了。 |
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l*****t
发帖数: 35 | 29 【 以下文字转载自 Accounting 讨论区 】
发信人: ldandlt (鹭天), 信区: Accounting
标 题: 1500 Energy Tax Credit
发信站: BBS 未名空间站 (Tue Nov 24 16:09:01 2009, 美东)
去年就在考虑换窗户，正好现在有tax credit. 拿了几个quotes, range from $6500
to $11,800 including material and labor).所有的quotes都用的是符合tax credit
要求的产品。
$6500那个不用salesmen.说我们能得到至少$900 tax credit. 别人说我们能拿$1500是
在骗我们，说我们将很难justfy the cost of the material of 9 windows plus one
patio door to be over $5000.
但一个公司 (quoted $7900 with $1500 tax credit) 说it's up to them how they
put the cost o |
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j*j
发帖数: 128 | 30 申请信用卡，会HARD PULL 你的CREDIT REPORT,
一定会影响你的信用分， 因为你在寻找CREDIT,
要买房还是尽量AVOID HARD PULL 越好。
HARD PULL 超过一定次数可能你的CREDIT分会变很差。
除了申请CREDIT CARD,有些银行开户也会HARD PULL.
PRE_APPROVAL不会HARD PULL.前者是你主动寻找CREDIT,
是一个NEGATIVE IMPACT,后者是被动。 |
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f*******e
发帖数: 1300 | 31 是不是在一个月内用超过credit limit的20%， 就会在短期内影响credit score?
如果在几天内，也就是在月末前，就把balance付了，是不是就不会有任何影响？
最近打算用credit card全部支付来买车。应该怎么操作，不会对credit score有任何
影响。我支票帐户有足够的钱，只是credit card 有很好的rebate. |
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r****r
发帖数: 701 | 32 我09年买的房，拿到这个8000块，10年卖的房，损失了10000块。
今年用turbo tax报税的时候，它说我不用退还这个8000块。不是很懂，查了一下规定
http://www.irs.gov/newsroom/article/0,,id=206293,00.html
You may have to repay the full or a part of the credit when:
You sold your main home to a non-related person or entity. You repay the
amount of the credit up to the amount of your capital gain. Note: when
calculating gain or loss on your main home if you received the first-time
homebuyer credit, you reduce your basis by the amount of the credit. See
Publicatio... 阅读全帖 |
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d******n
发帖数: 2712 | 33 基本上想在两周内提高credit score是不实际的。credit是靠积累的，不是靠突击。
另外，如果是因为collection影响credit，不是用还信用卡等等可以解决的。除非，可
以把这个collection dispute掉。但如果确实是因为自己的疏忽导致collection的，LZ
就不用花心思在credit score上了。re-score只会适得其反。
有可能的话，做15年固定，对credit要求相对低。如果不行，就只能安心多付些利息，
拿到mortgage，不要late pay还上半年，对信用成绩提高有好处。之后，看有没有refi
的机会吧。 |
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p******y
发帖数: 3523 | 34 不是credit score，是免费看credit的history，想知道分数是要花银子的。但是，如
果credit history 2年以上，没有negative的记录，比如late pay，collection，
charge off等，就不需要担心自己的credit成绩。
这个规定，主要是为了避免ID fraud的，让每个人关注一下有没有不属于自己的credit
trading line什么的。 |
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c***y
发帖数: 560 | 35 现在自己pull到的Experian credit score和 mortgage agent pull到的credit score
有个big difference
mortgage agent说用户拿到的和他们拿到的是不同的credit score，通常consumer拿到
的是consumer credit score, 要比mortgage credit score高一些。
有这个说法吗？谢谢 |
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r*****e
发帖数: 185 | 36 我遇到过类似的情况。Buyer Agent给的Rebate大概可以打进房贷里，但卖家和loan
agent的credit只能用来cover closing cost， 有多余的credit也不会给你的。所以你
也许应该选择利率低，有fee的， 最好加上其它closing cost将将把credit用完。
另外注意credit太多可能导致escrow要退好多钱。如果超过2千刀，银行要算你是cash
out loan, 一般rate要高一些了，除非能找escrow做假帐，把cost标高 ：）
5000)
closing |
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g*q
发帖数: 26623 | 37 这个跟你实际payout的时间有关.
我算过一次,差0.125%利率,credit大约是贷款额的0.7%,30年fixed,如果15-16年的时候
refinance/卖房,之前完全按monthly payment付款,那么两者持平(拿到的几千块credit
相当于按3%左右利率申请了额外的几千块贷款).如果更快refinance/付清,拿credit划
算;更晚付清,拿低利率划算(按期付满30年,拿的credit可以相当于申请了10%利率的30
年期额外贷款).
如果credit更多,可能就是>20年付清才持平. |
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a*********n
发帖数: 1331 | 38 打算refinance或另买房，不过我的credit score不高，可能是因为有7张信用卡，而且
好几张都是最近2年开的。
如果关掉1-2张信用卡，我的credit score会不会涨上去？
如果不行，还有没有别的办法涨credit score?
开卡损失的credit score与关卡涨回（如果能涨）的credit score是不是可以抵消的？ |
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s*****i
发帖数: 261 | 39 买房贷款是用夫妇两个人的credits 好呢还是用一个人的credit好呢？
在收费方面会有什么不同吗？
原来是和老婆一起申请的，但是贷款经纪人说我老婆的credit不够，只用我一个人的。
不明白，老婆的credit score比我还高15分呢。 |
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r******d
发帖数: 1879 | 40 it doesn't matter who will be the main borrower since lender always choose
the lower credit scores between you two unless you use your wife as only
borrower and add your name on the title together with her.
If your low credit score is not due to credit collection, it might be hard
to improve in the short time till you pay the mortgage loan. try not to
always pull the credit scores quite often, not always expense till the
credit limit, try always pay the bills on time...etc
Best luck
pre |
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s********a
发帖数: 1447 | 41 在kohl's申请了他们的credit card
2011下半年 有一次 我过了 due date才想起付账
然后 那个月 结账日过后 2天 我去网上 查账户
没有late fee 我当时 还庆幸 真好 没有late fee
然后 结账日后的那个月 我也没去他们店买东西 所以也就 没有上网查账户
后来，我再次查账户的时候
才发现 他们charge我$5的late fee
我发现的时候 这$5已经过了30 天 的due date的
我打电话 给客服
他们说 晚30 天之内 是可以waive的 30天之后 他们没权waive
当时 觉得$5无所谓 就没在意
2012 年 初 我因为申请别的信用卡 被拒 查了一下 自己的credit report
才发现kohl竟然为了那$5 报告给我credit bureau
所以我的credit 被减了 50分
我上网查 说很多bank 你写封求情信 一般都会给我去掉
不知道那里 可以写信
所以 我就打电话给客服 和他们说事情的经过 求情 这不全都是我的问题 你们结账日
之后 过了几天才 显示到我的账号上
客服的人 还不错 说会尽量帮我 告诉他们的bil... 阅读全帖 |
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Q***N
发帖数: 2972 | 42 影响是有的.但比较有限.
我4月份准备REFINANCE, pull了credit report(最后利率上去了没锁住).7月份打算买
银行的REO,特地找这个银行WELL FARGO做的PRE-APPROVAL.最后也没买下来.最近我又在
贷款买另一个投资房,银行让我写信解释为什么有人在4月和7月查我的CREDIT的SCORE.
2行字的信解释了原因.
我4月份的CREDIT SCORE是80X, 现在11月份还是80X. CREDIT SCORE基本没什么变化.
另外,很多人混淆PRE-APPROVAL和PRE-QUALIFICATION. PRE-APPROVAL是肯定查CREDIT
SCORE/INCOME/DEBT等信息的. 但PRE-QUALIFICATION就简单很多. 当然PRE-APPROVAL比
PRE-QUALIFICATION更有用些. 我一般建议我的客户申请PRE_APPROVAL. 当OFFER都相差
不大时,往往细节决定结果. |
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J**S
发帖数: 25790 | 43 有信用分，不知道是不是TRANSUNION的实际信用分。 这个CREDIT TRACKER有下面用途：
Understand your monthly Credit Tracker score.
• See how everyday decisions affect your credit score—before you
make them, with the Credit Simulator.
• Receive and view alerts of major changes to your TransUnion®
; credit report. |
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k********n
发帖数: 40 | 44 居然最近半年有四个credit inqurey 天地良心，我没跟这三家银行过去半年开过任何
帐户，只是拥有他们每家各一张信用卡，为什么在credit report会有这三家银行的
credit inqurey 呢？有收到他们credit card preappoval letter, 难道他们发这些信
之前会擅自查用户信息？是soft query吗 更奇怪的是我信用值涨了一些。请问专家，
是怎么回事啊？多谢！ |
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R**********1
发帖数: 236 | 45 如果所有的credit包括lender的，seller的，agent的已经cover完所有一切closing
cost （包括impound reserves），那么再提高rate来拿更多的credit是不允许的。零
cost已经使得你只用付down payment了，如果再拿credit的话在贷款银行看来就是有其
他人（无论何人）在帮你付down payment，这样一来LTV（loan-to-value）就无法准确
计算了。
举个极端的例子，你把利率提高到了10%（理论上），然后银行给你10万credit，那么
不就差不多零down payment了嘛，相当于不花钱买了个房子，这样做是不允许的。
综上，所有的credit不能超过closing cost。
then |
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i*******0
发帖数: 227 | 46 最近在看房。有些新房子建筑商不肯降基价，只肯返点credit。问题是如果返的credit
超过closing cost， 怎么办？举例说明：
Let's say we are buying a house for $1,000,000, and seller is offering 3% as
credit or sales concession which is $30,000, the buyer agent is also giving
a 2% rebate which is $20,000. So we have about $50,000 credit/concession at
closing. The closing cost (including all fees/escrow) for this with loan
amount of $700,000 would be around $15,000, assuming we are not buying any
discount points for the rate. How would the remainin... 阅读全帖 |
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k****o
发帖数: 728 | 47 这几个月买了不少新东西，有三份贷款（2个家具店+1个车贷）外加连续被几家check了
credit scores。发现信用分数FICO score最近半年居然降了70多分。档次都降当中档
了。准备1年后买房的，想尽快提高信用分数。请教，如果我把这三个贷款马上还清，
能不能尽快提高信用分数？
再就是，说保持credit card的balance不超过30% of credit line有利于credit score
，是说各个卡总的balance不超过所有卡总credit line的30%吧 |
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t**l
发帖数: 577 | 48 A credit score is a number lenders use to help them decide: "If I give this
person a loan or credit card, how likely is it I will get paid back on time
?" It is generated through statistical models using elements from your credi
t report; however, your score is not physically stored as part of your credi
t history on the credit file. Rather, it is typically generated at the time
a lender requests your credit report, and is then included as part of the re
port.
Your credit score is a fluid number |
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t**l
发帖数: 577 | 49 There are primarily two types of scores, generic bureau-based scores or cus
tom scores.
Each credit bureau can also generate its own credit score, such as the Exper
ian Credit Score. The bureau-based credit scores draw on statistics from a l
arge number of consumers across a variety of accounts.
Custom scores are generated by individual lenders, who rely on credit bureau
s and other information, such as account history, from their own portfolios.
Scores are not just used to rate the creditworthi |
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S****Y
发帖数: 4634 | 50 I was thinking just now that whenever you apply for a cc,
you can get a free copy of your credit report if you get denied,
and that's within 60 days, so when you request that report from
the credit bureau, they must look into their database and see
if your credit file has been accessed within the last 60 days.
well, but they don't know the fuck whether you have been denied credit
or not, they only provide report, and the bank will not tell
credit bureau the result anyway.
so i give it a try just |
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