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lhslancers

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Posts posted by lhslancers

  1. Post#3 is actually spot on... He's talking about TU Quarterly Monitoring offered through Myfico... and likewise for EQ. The $12.76 in reference to EX is the price you pay for an EX report at Myfico (with a discount)

    I wouldn't do it the way he suggests b/c if you ever want to sign up for those products later (Quarerly Monitoring, Scorewatch) and use them, you lose your free trial (I think).

    Most straightforward way is to find a 20% code and buy all 3 for roughly $40...

    OP asked for the cheapest way and that's it. :mrgreen: Unless there are changes going on with your credit files it isn't necessary to pull more than a time or two a year. Even then unless you are making a major purchase you are just lining the monster's pockets.

    You can still order your TU and EQ scores and reports after blowing off TU Quarterly and EQSW.

  2. There is always a 20% discount code available.

    Experian will always cost you 12.76.

    Transunion will cost you under 4 bucks one time. Subscribe to TU Quarterly Monitoring monthly basis and cancel before 30 days.

    Equifax about the same. Subscribe monthly to EQ Score Watch cancel within 30 days.

    If you want Score Watch on an ongoing basis it will cost you a shade under 6 bucks through the Coastal Credit Union link. Just Google Coastal and type in Equifax in the search tab upper right hand side of their home page and follow the links.

    20 bucks or so out the door for all 3. Cheap enuf? 8-)

  3. Just updated TC. Went from 1 Inq yesterday to 17 today -- all ones that had been bumped. Checked FICO and TU score dropped from 701 to 645. I am not looking forward to any AR from my prime cards ... I worked too hard to get where I am and don't need my CL dropped because I have "too many inquires".

    Screw 'em ... I just cancelled TC. It's not worth it.

    They must have all been under 1 year if your score took a hit like that. Push comes to shove I will only have 1 that FICO will even count that from September of 2007. I feel sorry for those who thought all those Chase Citi and other prime pulls were free. Mine were always Experian. Sorry.

  4. Not yet, but I got W2's ready to go! We actually applied to Penfed, and they would let us in, but wanted us to know that there "would be a hold placed on any checks a minimum of 9 days, due to information found in your credit file", which we would have done, but then NFCU accepted us, so we got a better deal.

    Since it already cost you a hard pull I would go ahead and join Penfed. They are both great credit unions.

  5. You know what else I noticed about Penfed? That they don't pull a new report each time you apply. I looked and no inquiry from Penfed....... :roll: That's why they are still denying me for collections. Because when I 1st applied with them I did have collections on my report. I'm going to wait 30 days and see if they pull a new report next time I apply.

    Normally they will use the same report for 90 days but if you want them to see your clean report (sure its clean?) just tell them you want them to pull a new report now. No need to wait it won't matter. Will cost you a new pull but they will continue to decline based on the old report unless you ask them to view your new EQ report. Up to you but there is no need to wait.

  6. The Fico scoring has been real slow as of late. You should be getting the 6 month bumps. Most likely you will get them scattered over the next month. My scores still haven't updated from the last time, I had to force a score change by pulling a Scorewatch report and only then did it change.

    Save yourself some money. Dump Scorewatch. Backdoor EQ once in a while and pay the 8 bucks for your score. If you really need to know that is. ;)

  7. The Fico scoring has been real slow as of late. You should be getting the 6 month bumps. Most likely you will get them scattered over the next month. My scores still haven't updated from the last time, I had to force a score change by pulling a Scorewatch report and only then did it change.

    Save your money. That is one obvious racket. :wink:

  8. I have had an Amex card for about 11 months. 2 months ago they lowered my limit from 1000 to 500 because my total usage on my CR went up. I went to vegas and charged a couple of them up booking the trip. I payed all of them in full within a month. My score did drop a little becaus I opened a couple of new installment accounts within the last year (new car, new furniture, signature loan). Amex lowering me was BS. I have never been late and I use it and PIF a lot. My latest statement says that there si an annual fee next month unless I choose not to renew. My idea is screw them. Is closing a year old CC account going to hurt me? I am only losing 500 of available credit. I still have 3000 on 3 other cards. What should I do?

    Keep the AMEX card and see what they'll do once your stuff ages. Don't cut your nose off to spite your face. Any future cards you get from them will gain history from the date you opened this card. Keep it swallow your pride.:wink:

  9. OP it appears as if Chase is going to give you a chance. I would close any cards you couldn't negotiate the fees on after they aged one year. Use and PIF the Chase card to death. After a year go after a CLI with Chase. You don't need any more subprime cards so don't do any more apps. The new accounts hits will hurt your score just sit tight and let what you have age. After a year go after a prime credit union like Navy Federal Pentagon or Patelco. At this point odds are you'll get limits you're not happy with anyway.

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