skaterjaws All American 1492 Posts user info edit post |
I am not modest and I will show what I have gotten from links from you guys so you can help me out.
Credit Summary Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by distilling key credit information into one easy-to-read summary.
Accounts
Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage, etc. - that have a record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment loans will typically have a negative impact.
Open Accounts Total Number Balance Available Credit Limit Debt to Credit Ratio Monthly Payment Amount Accounts with a Balance Mortgage 0 $0 N/A N/A N/A $0 0 Installment 3 $61,450 $0 $58,494 105% $769 3 Revolving 0 $0 N/A N/A N/A $0 0 Other 0 $0 N/A N/A N/A $0 0 Total 3 $61,450 $0 $58,494 105% $769 3 Debt by Account Type Debt to Credit Ratio by Account Type
Account Age
Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average account age and may have a negative impact.
Length of Credit History 2009 Years, 3 Months Average Account Age 5 Years, 10 Months Oldest Account PLAINS COMMERCE BANK (Opened 10/01/2003) Most Recent Account CAPITAL ONE AUTO FIN (Opened 10/03/2011) Inquiries - Requests for your Credit History
Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.
Inquiries in the Last 2 Years 8 Most Recent Inquiry BB&T (03/20/12) Potentially Negative Information
Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be.
Public Records 0 Negative Accounts 1 Collections 1 Copyright Equifax 2013 1/30/2013 10:36:42 PM |
skaterjaws All American 1492 Posts user info edit post |
Inquiries A request for your credit history is called an inquiry. Inquiries remain on your credit report for two years. There are two types of inquires - those that may impact your credit rating and those that do not.
Inquiries that may impact your credit rating These inquires are made by companies with whom you have applied for a loan or credit.
Name of Company Date of Inquiry GMAC AUTOMOTIVE BANK Show Details 10/03/11 AMERICREDIT FINANCIAL SERVICES Show Details 10/03/11 BB&T Show Details 03/20/12 CAPITAL ONE Show Details 10/17/11, 10/03/11 CREDCO AUTOMOTIVE::3530081883 Show Details 10/03/11, 09/29/11 WELLS FARGO DEALER SERVICE Show Details 10/03/11 Inquiries that do not impact your credit rating These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.
Company Information Date of Inquiry DTC-AT&T SERVICES, INC. 03/25/12 DTC-BRANCH BANKING & TRUST 03/21/12 AR-CAPITAL ONE NTL ASSOC 01/22/13 EQUIFAX 01/30/13 ND-EQUIFAX CREDIT MARKETING 11/19/12 FIDELITY BROKERAGE SERVICES 10/30/12 PRM-FIRST USA BANK 09/19/12 PRM-MDA CAPITAL, INC. 09/26/12 Prefix Prefix Description PRM Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for twelve months.) AM or AR Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for twelve months.) EMPL Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months) PR Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.) Equifax or EFX Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy of your credit file or a research request. ND Inquiries with this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.) ND MR Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan.(ND inquiries remain for 24 months.) Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are managing your credit, protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible. For more information visit 1/30/2013 10:38:17 PM |
skaterjaws All American 1492 Posts user info edit post |
Closed Accounts
Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit CAMPUS PARTNERS Hide Details 1842463318XXXX 08/01/2004 $0 09/01/2008 PAYS AS AGREED AMS SERVING GROUP
Ndsl-Cb Analyst PO Box 3176 Winston Salem, NC-271023176
Account Number: 1842463318XXXX Status: PAYS AS AGREED Account Owner: Individual Account. High Credit: $5,678 Type of Account : Installment Credit Limit: Term Duration: 120 Months Terms Frequency: Monthly (due every month) Date Opened: 08/01/2004 Balance: $0 Date Reported: 09/01/2008 Amount Past Due: Date of Last Payment: 08/2008 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: 08/2008 Date Major Delinquency First Reported: Months Reviewed: 10 Creditor Classification: Educational Activity Designator: Paid and Closed Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 08/2008 Type of Loan: Education Loan Date of First Delinquency: N/A Comments: 81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2008 * * * 30 60 90 120 * 2007 * * * * * * * * * * * * 2006 * * * * * * * * * * * * 2005 * * * * * * * * * * * * 2004 * * * * * Payment History Key
????????? this maybe?
Negative Accounts Show All Account Details Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment.
Closed Accounts
Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit CAMPUS PARTNERS Show Details 1842463318XXXX 08/01/2004 $0 09/01/2008 PAYS AS AGREED
[Edited on January 30, 2013 at 10:44 PM. Reason : maybe this?] 1/30/2013 10:42:03 PM |
skaterjaws All American 1492 Posts user info edit post |
Score Center Use the Score Center to learn about your free credit scores and to track them over time.
TransRisk Score Auto Insurance Score VantageScore YOUR TRANSRISK SCORE HISTORY Nov 2013 611.5 612.0 612.5 613.0 613.5 Sep Oct Nov 2013 Show all Pan Select YOUR TRANSRISK SCORE 613 Credit Rating: Poor Last updated: Jan 30, 2013
Credit Cards No Open Accounts
Home Loans No Open Accounts
Auto Loans Balance: $18,593
Student Loans Balance: $42,857
Other Loans Balance: $3,202
[Edited on January 30, 2013 at 11:08 PM. Reason : wow] 1/30/2013 11:06:44 PM |
Chief All American 3402 Posts user info edit post |
Did your education loan get sent to collections? Whatever you have in collections will tank your score like a brick. Doesn't matter if it's $20 or $20k.
[Edited on January 30, 2013 at 11:19 PM. Reason : .] 1/30/2013 11:17:14 PM |
David0603 All American 12764 Posts user info edit post |
Agreed, and since that only happened in '08 it's going to take some time for your score to rebound. 1/31/2013 9:54:27 AM |
skaterjaws All American 1492 Posts user info edit post |
the thing is I believe the collections is an apartment complex here in Raleigh which I never lived in 2007-2008, just spring an dsummer of 07 yet I think they have me in some type of collections even though I never physically lived there. 3,000 dollars. I refuse to pay. Other than that nothing...is that whats keeping me at 613?! I listened to you guys advice and I am going to apply for this...
http://www.capitalone.com/credit-cards/secured-mastercard/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTMMQC4S&PageName=38&TargetLob=MTS%3A%3ALCTMMQC4S&TargetPageName=Secured+MasterCard+Details&external_id=WWW_C4240_ZZZ_ONL-SE_ZZZGO_ZZ_ZZ_T_SEM2_ZZBZ_Z15_199577021_15929334912
IF I find out I got denied for this.
http://www.capitalone.com/credit-cards/journey-student/
any other suggestions? 1/31/2013 10:33:22 PM |
wahoowa All American 3288 Posts user info edit post |
I think you need to take that apt collection very seriously instead of blowing it off. If you are correct and it is a mistake you can dispute the item and get it removed from your credit report. That could drastically change your score quickly. If it is legitimate then you need to figure out a way to pay it off or at least work with the apt or collections on a payment plan. As you have found out, credit is a very important factor in many purchases. You need to take it very seriously. 1/31/2013 11:40:48 PM |
Str8BacardiL ************ 41752 Posts user info edit post |
I would send like 30,000 dispute letters before I even entertained paying that. My wife had one of those and I got it deleted. 2/1/2013 12:24:35 AM |
sag1804 All American 914 Posts user info edit post |
^ I did one of those once and it is still on my KS. How did you finally get it gone? 2/1/2013 12:51:49 AM |
David0603 All American 12764 Posts user info edit post |
I agree with wahoowa You can't just ignore this. Is it possible you could have forgotten to give them notice and your lease rolled over for another 6 months or maybe you cosigned for someone else who remained living there? At the very least you should contact them to see exactly what the charges are for. Worse comes to worst you should negotiate payment. That $3,000 is paltry in comparison to the additional money you're going to have to pay for loans down the road due to higher interest rates. 2/1/2013 10:08:27 AM |
pttyndal WINGS!!!!! 35217 Posts user info edit post |
Just paying the collection could ding your score more as it will make it newer and stay on your credit report longer. As is now, it would only be there for 7 1/2 years from the first date you were delinquent (usually listed on credit report). Definitely dispute it (in writing) with each Credit Reporting Agency that has it listed as the collection agency may have already written it off and won't validate in which case it must be deleted from your report. If it's valid and you are going to pay, try to negotiate a pay for delete with the collection agency. 2/1/2013 10:27:46 AM |
David0603 All American 12764 Posts user info edit post |
Yeah, I guess if he's not getting a loan in the next 2ish years, no reason to restart the clock. 2/1/2013 11:08:26 AM |
sag1804 All American 914 Posts user info edit post |
from what he posted I would just leave it alone as it was 2008. Will be gone in the next 24 months or keep disputing it online. Seems about right yeah? 2/1/2013 9:17:07 PM |
hydro290 All American 1703 Posts user info edit post |
hmm. I went ahead and applied for Chase Sapphire Preferred a month and a half after applying for Chase Freedom. I got a Further Review notice, but I could immediately see the CSP card on my Chase and Ultimate Rewards account pages. It even let me transfer one point from my Freedom to the CSP. Hopefully, that means I'm good.
For those of you that have called reconsideration lines, do you do it upon the Further Review notice when applying or do you wait for a flat out denial letter?
[Edited on February 2, 2013 at 9:04 AM. Reason : :] 2/2/2013 8:50:30 AM |
pttyndal WINGS!!!!! 35217 Posts user info edit post |
I called a couple hours after I applied for the Chase Ink Plus just asking if they needed any further information since it said it required further review. You can check the application status using 1-800-432-3117 and believe 1-888-245-0625 is the recon line for personal accounts. 2/2/2013 9:55:30 AM |
timbo All American 1003 Posts user info edit post |
Protip: Here's a link for all credit card reconsideration lines with useful strategies
http://millionmilesecrets.com/2011/08/15/credit-card-reconsideration/ 2/2/2013 10:12:08 AM |
David0603 All American 12764 Posts user info edit post |
Quote : | "I called a couple hours after I applied for the Chase Ink Plus just asking if they needed any further information since it said it required further review." |
2/2/2013 11:37:38 AM |
hydro290 All American 1703 Posts user info edit post |
nice i called the application status line at 8886097805 since it looked like the new card was showing up in my existing account. approved! 2/2/2013 2:03:31 PM |
David0603 All American 12764 Posts user info edit post |
Just got approved for another Barclay card. Essentially $400 cash back after you spend $1000
http://dolphinsextrapoints.com/8253 2/4/2013 2:51:28 PM |
SmoothTalker Veteran 198 Posts user info edit post |
^ I'm not seeing the card you're talking about... can you provide some instruction on how to find that offer?
Thanks! 2/6/2013 2:23:01 PM |
dbhawley All American 3339 Posts user info edit post |
when I saw that link, i read it as Dolphin Sex Trap
haha 2/6/2013 2:33:37 PM |
David0603 All American 12764 Posts user info edit post |
New link
https://www.barclaycardus.com/apply/Landing.action?campaignId=1784&cellNumber=131 2/6/2013 2:35:31 PM |
Str8BacardiL ************ 41752 Posts user info edit post |
Just got one of these puppies.
It is made of metal and has some kind of chip on it.
Got a bunch of free nights at Marriott chain hotels and resorts with it, my wife travels on business all the time and if they will let her use this and put it on her expense report VS. using her company card we will probably never pay for a hotel room again. 2/7/2013 5:20:31 PM |
David0603 All American 12764 Posts user info edit post |
50K bonus points? 2/7/2013 7:15:24 PM |
pttyndal WINGS!!!!! 35217 Posts user info edit post |
Quote : | " has some kind of chip on it. " |
Not sure if anywhere in the US currently uses the chip technology but a lot of places overseas use it instead of the usual magnetic strip for transactions.2/8/2013 8:44:51 AM |
ElGimpy All American 3111 Posts user info edit post |
Last week I applied for the 2 AAdvantage cards (Visa and AmEx). I got approved for the Visa immediately but they held the AmEx and just found out they denied me because, and I forget the actual wording, but basically because I had an application out for another card. wtf 2/8/2013 10:10:14 AM |
pttyndal WINGS!!!!! 35217 Posts user info edit post |
Think they're cracking down on the two browser trick. 2/8/2013 10:21:39 AM |
David0603 All American 12764 Posts user info edit post |
Yeah, kind of annoying about the two browser, thing since I was just about to apply for two hiltons. Guess I'll go ahead and get one now and I'll be able to get another one in 65 days iirc.
For those of you concerned about churning affecting your score, I had a score of 749 Jan 1. The following week I opened 3 new cards and closed 1 old card and my score dipped to 708. Today I just checked and my score is back up to 753. 2/8/2013 10:33:13 AM |
David0603 All American 12764 Posts user info edit post |
I churned Starwood last year, currently Hilton, any recommendations for the next hotel I go after? I was eyeing Hyatt. They only charge 22,000 for their top tier hotel and you can get 50,000 pts through the Chase offer. 2/8/2013 12:26:07 PM |
adaptiveopti Veteran 298 Posts user info edit post |
^It depends where you want to go. My wife just signed up for the Chase Hyatt card for our trip to Kauai later this year. The Chase Fairmont card also sounds like a decent deal if they have a hotel where you would like to travel. For travel to Europe the Club Carlson looks like it could be worthwhile.
http://boardingarea.com/blogs/frequentmiler/2012/12/04/club-carlson-rocks-my-world/
Is anyone planning on trying to churn the Barclays US Air card for AA miles as many times as possible prior to the (possible) merger? Has anyone successfully done so to date? If so, how long did you wait between applications and did you close the previous card?
[Edited on February 8, 2013 at 6:57 PM. Reason : us air] 2/8/2013 6:52:30 PM |
Str8BacardiL ************ 41752 Posts user info edit post |
Quote : | "For those of you concerned about churning affecting your score, I had a score of 749 Jan 1. The following week I opened 3 new cards and closed 1 old card and my score dipped to 708. Today I just checked and my score is back up to 753. " |
Guess I am about to tell Capital One to go jump in a lake cesspool.
Does it matter how old the closed account is? The one I want to close is my oldest one on file, they raised my APR to the penalty rate and added a "monthly account member fee" back in 2008 when I was about to go out of business and some stuff got messed up. All of the old accounts have been cleared up, the negative info deleted, and my scores have recovered. I have other cards with much better terms now but was scared of taking a hit by closing this one.2/8/2013 7:52:31 PM |
David0603 All American 12764 Posts user info edit post |
^^ Confused. How are you using the Barclay US Air card for American Airline miles?
Eugh. I have a capital one too as my oldest, and I'd never close it. WTF is this monthly account member fee? I think my limit is something stupid low like 1K or something. I never use it. 2/8/2013 8:22:31 PM |
FanatiK All American 4248 Posts user info edit post |
He's banking on the fact that if the merger happens, the miles will be converted.
The barclays link above has expired, here's a similar deal: http://www.nflextrapoints.com/xlvii same $400 cashback, but you have to spend $2,500 in 90 days. I just applied for it because I like money.
[Edited on February 9, 2013 at 10:12 AM. Reason : d] 2/9/2013 9:56:35 AM |
David0603 All American 12764 Posts user info edit post |
I'd churn the card regardless to the merger. 2/9/2013 4:52:18 PM |
adaptiveopti Veteran 298 Posts user info edit post |
Quote : | "He's banking on the fact that if the merger happens, the miles will be converted." |
This.
Quote : | "I'd churn the card regardless to the merger." |
I plan on doing this, just curious of anyone's experience in doing so.2/10/2013 10:37:22 AM |
Jrb599 All American 8846 Posts user info edit post |
Okay - I looked at Fanatik's post? Is there a reason I wouldn't do this? Does it hurt Credit? Or future offers? 2/12/2013 11:26:03 AM |
David0603 All American 12764 Posts user info edit post |
Did you have any questions about that specific card? Your score will go down after a hard inquiry and it will lower your avg account age, but mine seems to rebound after the hit fairly quickly. Just be sure to pay it off. 2/12/2013 12:34:42 PM |
pttyndal WINGS!!!!! 35217 Posts user info edit post |
$1k down and $4k to go on the Chase Ink after 1 week with the card. 2/12/2013 12:51:26 PM |
David0603 All American 12764 Posts user info edit post |
Nice! I'm about half done and just received the NFL card in the mail. 2/12/2013 12:59:33 PM |
Jrb599 All American 8846 Posts user info edit post |
^^^No just in general about using credit card specials to get money. Does it hurt credit or anything?
[Edited on February 18, 2013 at 8:06 AM. Reason : ] 2/18/2013 8:06:31 AM |
wahoowa All American 3288 Posts user info edit post |
Approved for the Chase Hyatt Visa Signature card yesterday w/ 2 free nights at any Hyatt in the world. Planning for a week in Paris in Oct and two free nights at the Park Hyatt in Paris ($900/night) is going to make the (soon-to-be) wife very happy. 2/18/2013 12:29:33 PM |
David0603 All American 12764 Posts user info edit post |
Niiiiiiiiiiiice. I'll probably go for that once I get my next chase ink plus card and finish churning my existing one. 2/18/2013 3:16:03 PM |
David0603 All American 12764 Posts user info edit post |
I'm content with the merger. I only have enough US Air miles for 1 flight, so it's preferable to have those miles lumped in with AA. 2/18/2013 4:29:59 PM |
David0603 All American 12764 Posts user info edit post |
Never got a tax form for all those Suntrust miles, FYI. 2/18/2013 5:46:47 PM |
David0603 All American 12764 Posts user info edit post |
Anyone ever use http://rewards2cash.com/ ? Seems more straight forward than the last site I found since. 2/20/2013 11:44:39 AM |
CarZin patent pending 10527 Posts user info edit post |
We've got a lot of points to spend. We have about 175k Delta points and nearing 100k Starwoods points I think its just about time for an a most expenses paid trip to Hawaii or Europe 2/20/2013 1:34:46 PM |
David0603 All American 12764 Posts user info edit post |
Nice, I'm at 100K for delta and 65K for starwood. You might as well get the Hawaiian cards then. Although I'll probably xfer the pts to hilton unless you know of somewhere I can sell them? 2/20/2013 2:19:43 PM |
FanatiK All American 4248 Posts user info edit post |
50K Membership Rewards points for Delta Gold card:
https://www.creditcards.com/cardmatch
Minimum $1000 spend in 3 months gets you 50k MR points. Annual fee of $175 waived for first year.
Fill out info here (no need to enter SSN, just name and address) then the offer should show up to click through, was the first link shown for me. Don't know if there's a direct link and this probably won't last long. It's not targeted like some of the other offers I've seen so if you qualify it should be there.
Says you cannot have had a previous Premier Gold in last 12 months to get the bonus. 2/24/2013 1:19:30 PM |
David0603 All American 12764 Posts user info edit post |
Great deal, too bad I already got the 25K bonus 6 months ago. 2/25/2013 10:52:35 AM |