- 3,516
- 1,191
- Joined
- Dec 19, 2011
I don't believe so. I paid for it right when I found out and the company accepted payment.
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
I don't believe so. I paid for it right when I found out and the company accepted payment.
- 3,516
- 1,191
- Joined
- Dec 19, 2011
Paid it as soon as I found out.
I guess I can give them a call (APS) again and see if they can remove it. It didn't go to collections as I didn't get a separate bill or anything.
- 8,261
- 6,896
- Joined
- Aug 22, 2012
My 6th month with Amex is coming up, and I am looking to triple my credit limit. Is the limit essentially a guarantee? How do I go about getting it?
- 9,342
- 11,467
- Joined
- Aug 15, 2009
Question: I just got a Captial One Secured Card to rebuild my credit. Is it best to pay it off in full each month or leave a low balance and incur a small interest fee? I'm really trying to build my credit somewhat fast to get a new car
- 15,852
- 3,476
- Joined
- Apr 4, 2006
So you like to throw money away is that it? You like paying interest when you don't have to?
- 9,342
- 11,467
- Joined
- Aug 15, 2009
I don't mind the interest of it will help build my credit. I just want to do whatever is better for rebuilding credit. My first bill is due in a few weeks and I can pay it off in full with no problem
dh1water
Banned
- 1,684
- 1,259
- Joined
- Aug 15, 2014
put the racks on the Range, flourish.
- 4,758
- 1,409
- Joined
- Nov 6, 2012
Just because you didn't get a bill doesn't mean it didn't go to collections. These companies are very shady, won't contact you about a bill and will send it directly to a collections agency.
You might want to sign up for Credit Karma to find out what is really on your report. A 100 point drop sounds like a collections to me.
@sthebest You do want to leave a very small balance to report on your statement, $1 will do just fine for what you are trying to achieve. If you pay off in full before the statement cuts, your credit report won't show that you are actually paying off a balance over time.
http://ficoforums.myfico.com/t5/Cre...The-Definitive-Amex-3X-CLI-Guide/td-p/1811071
Last edited:
- 15,852
- 3,476
- Joined
- Apr 4, 2006
should have been able to do that after 60 days with them so go for it through the website.
- 11,318
- 13,042
- Joined
- Mar 5, 2005
all he has to do is have like $1-10 dollars report on his statement then pay it off by the due date right? there will be no interested incurred for an on time payment and that will show him with a very low usage % like he wants and will help him rebuild his score
- 8,862
- 2,649
- Joined
- Aug 21, 2005
Always had a question about CC preapprovals in the mail. Do they mean anything or do companies sell your credit profile and soft inquire and "guess" you might get approved.
Last edited:
- 4,576
- 1,169
- Joined
- Jan 1, 2010
High 700's. I have 4 inquiries on Transunion and 1 on Equifax. I don't know about Experian though.
- 8,862
- 2,649
- Joined
- Aug 21, 2005
Oh yeah you should def be good then
KMante
Staff member
- 4,998
- 2,455
- Joined
- Aug 2, 2011
Have folks here actually purchased their FICO scores before?
In your experience, are the Credit Karma scores (Vantage Score 3.0) typically higher or lower than the true FICO scores?
In your experience, are the Credit Karma scores (Vantage Score 3.0) typically higher or lower than the true FICO scores?
Last edited:
- 1,312
- 1,124
- Joined
- May 7, 2015
Will it mess up your credit if I get a card and don't use it every month.. lets say idk every 2-3 months?
- 63,610
- 50,738
- Joined
- May 23, 2005
I have
Ck has been close to one of the scores from one of the credit bureau's
But not all 3
As the scores vary by each bureau
I got my scores from myfico.com
Had it since may
But I had to cancel a few days ago
Cause I kept checking my scores every damn day
**** was addictive
Paying $24 and some change I believe each month
I'm a probably buy them again
Just gonna wait 6 months to a year
Should try it out for a month or 2
But again checking it may be addictive
Score can change every few days
Up and down up and down
Last edited:
- 8,862
- 2,649
- Joined
- Aug 21, 2005
I have
Ck has been close to one of the scores from one of the credit bureau's
But not all 3
As the scores vary by each bureau
I got my scores from myfico.com
Had it since may
But I had to cancel a few days ago
Cause I kept checking my scores every damn day
**** was addictive
Paying $24 and some change I believe each month
I'm a probably buy them again
Just gonna wait 6 months to a year
Should try it out for a month or 2
But again checking it may be addictive
Score can change every few days
Up and down up and down
I was doing the same thing. It was addictive then when I would get an alert i would hurry and rush and hope it was my one of my scores increasing. Man that was addictive but im gonna get back on it by next year.I enjoyed it. Also my scores were way out of wack compared to CK on TU and Equifax i believe.
Last edited:
- 4,758
- 1,409
- Joined
- Nov 6, 2012
I payed for my scores monthly to track my scores during my mortgage process through myFico.com. CK was lower by about 30 points.
- 16,421
- 2,164
- Joined
- Feb 15, 2012
CK uses VantageScore 3.0. Its a widely used credit score, but its not FICO. The overwhelming majority of the time FICO will be used when someone pulls your credit score.
- 4,758
- 1,409
- Joined
- Nov 6, 2012
FICO is used 100% of the time, the difference comes with the FICO scoring model used.
- 8,261
- 6,896
- Joined
- Aug 22, 2012
Just got approved for the chase freedom card, will use it for the promotion they are having and then use it just for gas like all my other cards, any reviews on the card?
- 3,085
- 2,175
- Joined
- Jan 6, 2013
It won't affect your credit if you sock drawer your card, plenty of people have many credit cards that they use one and not the other or whatever it may be . The only thing is you may want to charge something small to it once in a blue moon just to keep the card active just in case because you don't want that account to close for history and total credit limit/utilization purposes for scoring.
- 3,085
- 2,175
- Joined
- Jan 6, 2013
Freedom is a solid card and of course chase is a prime lender so it's a good look especially if you like rotating categories which the freedom does. For example right now is 5 percent on Amazon then In the next couple months the 5 percent back rotates to restaurant, gas, etc, for everything else not in that category for that month its 1pct back and not 5.
Some people dislike rotating categories and prefer a card like the quicksilver which is a flat 1.5pct anything and anytime. But the chase freedom is a popular choice.
If you're big on gas then I would use the freedom a lot for gas on the months it offers 5 percent for gas then when that's gone just use your other cards that may offer more than 1pct back on gas to maximize your cashback.
Last edited:
- 8,261
- 6,896
- Joined
- Aug 22, 2012
Repped, they give 100$ if you spend 500 within the first 3 months correct?
- 3,085
- 2,175
- Joined
- Jan 6, 2013
Correct.
