Myficoforum. 62. Myficoforum

2. 07-22-2023 09:10 PM. For example, a balance of $300 with a $1,000 credit limit means you’re utilizing 30% of your credit. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. The site does not include all credit card companies or all. †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. 2nd Chase Business Card Approval for $17. Check out how they’ve done it and pick some brains!. Length of Credit > 40 years; Total Credit Limits >$800K. 300 to 559. The new inquiry caused my score to drop 3 points. Before applying, my Experin FICO score 8 was 792 with 5 hard pulls, one of which is in the last 12 months. 3 Replies 153 Views. AoOA > 30 years (Jun 1993); AoYA (Jul 2023) I've had a Capital One Walmart Rewards MC for 4 years, worked up from a $350 starting limit to $650 but I can't get it to go any higher. These topics are “Welcome to myFICO Forums”, “FICO Scoring and Other Topics”, “Types of Credit”, “Bouncing Back from Credit Problems”, and “This ‘n’ That”. I've had a Capital One Walmart Rewards MC for 4 years, worked up from a $350 starting limit to $650 but I can't get it to go any higher. 4 - BofA 99. Seriously out of date, at least 10 more since then. Congratulations on your PSECU LOC approval, @mfinsmi1! Business Cards. Never had a late payment and always paid more than the minimum. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). My credit limit went from $250. Go to FICO® Forums myFICO is the consumer division of FICO. Yes, this often causes confusion, I think Chase does a similar thing as well. My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000. Length of Credit > 40 years; Total Credit Limits >$800K. Congratulations on your Active cash credit card from Wells Fargo. People with knowledge come along to MyFico forums and more people start subscribing, reading and buying MyFico products. Re: Avant Card Approval Quick Question. Together, each of these 5 topics is divided into sub-forums where specific topics and questions are discussed. @credit8502020 wrote: Thank you for this breakdown @GatoradeZeroGuy What's not clear to me is why the category is showing $10. In addition to FICO score updates, myFICO users also receive credit. And $2,416 per month on-average would spend 100% of the $14,500 CL so could net you as much as a $10K increase. 66524 Views. I've had a Capital One Walmart Rewards MC for 4 years, worked up from a $350 starting limit to $650 but I can't get it to go any higher. In my college year I made some stupid decisions. In those 4 years my credit has improved substantially (730's for nearly every FICO score variable except Capt One pulls old scores and pulled a 653. 9 - AMEX 95. Re: Removal of hard inquiries from the Experian Credit Report. EX FICO 755, 15 INQ total, probably half that in the past year. As a sample their. 9 - AMEX 95. Top Lender TCL - Chase 154. Re: PSECU 15K LOC - same HP as credit card. Credit Cards. (Image credit: Tom. 4 - BofA 99. After spending some $15,000 on this card in 2021, I looked at my statement online and noticed Barclay's increased my CL to $40,000! In 2021 I flew to Hawaii First Class FREE three times! Thanks to their rewards system and I had free baggage and priority. I'm so angry. 5 - NFCU 75. 8 Replies. But, as always, YMMV. 99% - 28. I've had a Capital One Walmart Rewards MC for 4 years, worked up from a $350 starting limit to $650 but I can't get it to go any higher. Yes, this often causes confusion, I think Chase does a similar thing as well. myFICO Forums is divided into 5 topics. Re: PSECU 15K LOC - same HP as credit card. . Congratulations on your NFCU membership; an excellent credit union. >. Help! I need some advice on title issue. (Unless it's being used to redeem at their partners could be much higher). Yes, this often causes confusion, I think Chase does a similar thing as well. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). . But, as always, YMMV. 1 Kudo. MyFICO Premier review: Setup. by KaLin on ‎01-24-2023 06:31 AM Latest post on ‎07-07-2023 02:09 PM by FireMedic1. 0. 2 Replies. FICO® Score 8. Basically, 5% is represented as a 4% bonus on top of the standard 1%. 62. In addition to FICO score updates, myFICO users also receive credit. In total, there. showing $12. Check out how they’ve done it and pick some brains!. 7 Replies 847 Views. These are sometimes listed on the tri-merge mortgage report as follows: Equifax/FICO classic V5 FACTA. MyFICO is a subscription credit monitoring service that helps users track their FICO credit score. 00 but was increased to $500. In a nutshell, it's not friendly waters over there. The latest FICO® base scoring model is FICO® Score 9. Basically, 5% is represented as a 4% bonus on top of the standard 1%. my main concern why i couldn't get the SP cli on my first card at 7 months and needed to go for a HP? I did a stupid move applied this week for the cash plus card and. have a us bank shopper for 10 months after 7 months did a hard pull going from $500 to $3000 did a HP since the SP botton didn't work it was decline. when one is looking at their card transaction details on the dashboard, just add /productupgrade to the end of the URL in your browser (after the equal sign) and it should display any available upgrade options. by KM1980 on ‎07-18-2023 07:19 PM Latest post on ‎07-19-2023 09:30 PM by ForwardLooking. 5 - NFCU 75. In those 4 years my credit has improved substantially (730's for nearly every FICO score variable except Capt One pulls old scores and pulled a 653. 62. US bank cli and second card. Re: PSECU 15K LOC - same HP as credit card. 4370 Next †Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. My 6/12/18 INQ was removed on 7/4. 0. I could use this 60k points on my trip in Asia wherein I wanna stay in Radisson Blu and hotel night costs there $150/night. Just to paint the full picture:My middle credit score as reported from a mortgage lender is a 660 (since this was checked by a mortgage lender I assume this is FICO); however there are two items in collection. In addition to FICO score updates, myFICO users also receive credit. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. 62. Business Cards. 1 Reply 590 Views. Citi offered balance transfer and temporary card number with a portion of the credit limit available immediately at the end of the. Was approved with TD Auto @ 8. by Remember0 on ‎06-11-2014 10:46 PM Latest post on ‎03-17-2014 10:58 AM by Remember0. g spend $1,000 within your first three months of being a card member and receive a sign up bonus of $200). This Personal Finance board is your place to discuss personal finance topics that don't fit in the other boards. APR/LEASE RATE: 3. Top Lender TCL - Chase 154. myFICO App. Starting Score: EQ8 680, TU8 713, EX8 701. Top Lender TCL - Chase 154. I am in the process of applying for a Jumbo Loan Mortgage which currently requires a 720 Credit minimum. I was given a message to call customer service and after a short conversation was asked how much of an increase I was looking for. Sign-up bonus: Earn. Final underwriting only takes a few hours, but if there are conditions, then those have to be met, and then you could have to wait around to get back to the UW 24 hours. AoOA > 30 years (Jun 1993); AoYA (Jul 2023) Re: Elan Credit Card - Cash Back Issues. But some lenders still use FICO® Score 8 models, and some conventional mortgage lenders may use even older FICO® scoring models. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. My fico 9 is 686. 90% of top lenders use FICO Scores. If you recently received a CLI from Amex, please post in the following format to assist in completing the Carrying Balance vs PIF & Other Utilization Factors work-in-progress portion of the guide. MyFICO Premier review: Setup. Scan to check your FICO ® Score and credit data while on the go. my main concern why i couldn't get the SP cli on my first card at 7 months and needed to go for a HP? I did a stupid move applied this week for the cash plus card and. 4 - BofA 99. my main concern why i couldn't get the SP cli on my first card at 7 months and needed to go for a HP? I did a stupid move applied this week for the cash plus card and. by gregsbabe1 on ‎07-14-2023 11:45 AM Latest post on ‎07-14-2023 06:15 PM by MPColin. TERM CONTRACTED: 72. 305 Replies 22508 Views. In those 4 years my credit has improved substantially (730's for nearly every FICO score variable except Capt One pulls old scores and pulled a 653. MyFICO is a subscription credit monitoring service that helps users track their FICO credit score. Truist [BBT] now has there prequal tool working. Last recorded: FNBO Evergreen and PSECU Founder's Card Dec 2021. Unfortunately, I think you need to just work on improving your score, and shouldn't make any credit applications at this point. AoOA > 30 years (Jun 1993); AoYA (Jul 2023)To answer your question about whether it is common for Fico to be lower than Vantange it just depends on the profile. But, a LOT of stuff does make it past the moderator. . Together, each of these 5 topics is divided into sub-forums where specific topics and questions are discussed. On going spend/category bonuses. Re: PSECU 15K LOC - same HP as credit card. 8 Replies 184534 Views. My 1/5/18 INQ fell off 2/8 instead of 2/1. Top Lender TCL - Chase 154. Unfortunately, I think you need to just work on improving your score, and shouldn't make any credit applications at this point. Message 7 of 26. They asked me about my past history and why i wanted the card and if i was planning on carrying a balance each month or not. It has been 7 year. @credit8502020 wrote: Thank you for this breakdown @GatoradeZeroGuy What's not clear to me is why the category is showing $10. 0 - CITI 86. . showing $12. 0. 2 Replies 66524 Views. Reviewed April 30, 2022. 9 - AMEX 95. Moderate the RKIs too much, and people might stop reading and buying over there. 90% of top lenders use FICO Scores. 10 vs. 4 - BofA 99. Congratulations on your NFCU membership; an excellent credit union. EX700 TU 704 EQ 694 4/03/22 Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold. 2 Replies. I am in the process of applying for a Jumbo Loan Mortgage which currently requires a 720 Credit minimum. 4 - BofA 99. Charge Off Affect / Fico Score. I spend to limit and pay it off at LEAST twice each month. An excellent credit score begins at 740 FICO or 800 VantageScore. But, as always, YMMV. My score when I applied was around 590. Total revolving limits 748700 (628200 reporting) FICO 8: EQ 698 TU 711 EX 678. 670 to 739. I tried it out but it's not working yet. At the time of writing, there are nearly 280,000 members and more. 4 - BofA 99. I took out a motorcycle loan which I defaulted on, maxed out credit cards and went deliquent, and so on. @credit8502020 wrote: Thank you for this breakdown @GatoradeZeroGuy What's not clear to me is why the category is showing $10. Congratulations on your NFCU membership; an excellent credit union. Basically, 5% is represented as a 4% bonus on top of the standard 1%. 2K.