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FICO Forums - myfico.com | Site profile
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Site profile page for http://myfico.com.
This report page has aggregated and summarized the online discussions from the Message Board located at http://myfico.com.
This site profile page outlines general site statistics such as: Users Activity, Site Activity, Site Rank, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
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1) Top 10 Active Forums during Last Week
2) Top 10 Site Forums
3) Latest Active Threads
4) Hot Threads for Last Week
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Posting activity table on FICO Forums:
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3 Months
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706
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2,648
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8,107
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Post:
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2,141
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27,917
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Rating - The position measured by activity among all forum sites tracked by BoardReader.
If rating is 10 there are 9 forum sites which have higher activity.
Posts - Number of posts on forum site during last 7 days.
Threads - Number of threads on forum site active during last 7 days.
Authors - Number of authors which contributed to the site within last 7 days.
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FICO Forums posting activity graph:
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http://myfico.com Alexa graph:
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Top authors on FICO Forums during last week:
user's latest post:
Approved for 17.5K Nationwide...
Published (2009-11-22 13:11:00)
MrShush wrote: BungalowMo wrote: Has anyone gotten this with a util around 50%???? I'd LOVE to BT for sure!!!! I'm liking their 0% int for 12 mos on auto repairs!!! That is just sweet!!!! Message Edited by BungalowMo on 11-18-2009 01:08 PM They only allow a BT of no more than 20% of your total CL. Ok...that's cool...thanks!
user's latest post:
Got a Black Card Invitation -...
Published (2009-11-22 09:29:00)
I have heard of AMEX Platinum approvals that only allowed a $1000 initial spending limit.
creditwherecreditisdue
64
user's latest post:
PENFED AMEX 15K APPROVAL -...
Published (2009-11-22 12:54:00)
manyquestions wrote: creditwherecreditisdue wrote: According to my reading the PenFed Amex card allows two airport lounge visits per year. So the two free visits are every year and not just the first year? Detail available here: http://www.prioritypass.com/ The two free visits thing is ambiguous.
user's latest post:
18 years old with debt: can I...
Published (2009-11-22 14:48:00)
llecs wrote: DI wrote: llecs wrote: If you just turned 18, then I take it you are an AU on your other CCs, including the charge cards and cell phones? Are those cell phones reporting on your CR? I believe cell phones only report if they turned bad and were CO'd. That's correct. Many young people ruin their credit with cell phones before getting a credit card. I figured. However the age of majority is 18 and technically OP...
user's latest post:
Desperate to break out of B+...
Published (2009-11-22 15:02:00)
Duke-of-Earl wrote: Haven't you heard, 820 is the new 720? And where I come from, 82% is B+. Well, technically, FICO runs on a 300-850 range and your grade would be over 96%. Looks like an "A" to me! Congrats BTW.
user's latest post:
2 Accounts showing increased...
Published (2009-11-22 13:25:00)
I hope you have luck on this one. I had my daughter and husband as AU's on my Gold card. The card was compromised, and I got a replacement card, so we all had two cards reporting. They didn't need the cards, so I took them off as AU's. But both still have 2 AmEx accounts reporting, dropping their AAoA. AmEx says that we would have to pull (= $$$) their Experian reports and give AmEx the report numbers so that they could fix...
user's latest post:
AMERICAN EXPRESS REPORTING -...
Published (2009-11-22 14:03:00)
IOBA wrote: From my experience with Amex, if you charge anything on the card during the cycle --- even if it's paid off in full before the billing cycle ends, they will report what you charged to the CB's. My experience has been that they have reported only my statement balance about 4 weeks after the schedule cuts. They run a month behind my other cards. I have often charged almost to my limit and paid 3 to 4 times per month....
user's latest post:
will 1 bad check mess up my...
Published (2009-11-20 11:26:00)
it always depends upon the file, and the reasoning. Depositing a check into the worng account is fairly easy to prove and then UW could easily see what happened by looking at bank statements. Again, with a strong file it is not big deal as long as there is no history of it. With a weaker file it is another story. If the UW is sitting with the file and is up in the air on whether to say yes or no to it, and a overdraft/nsf pops up...
user's latest post:
AMERICAN EXPRESS REPORTING -...
Published (2009-11-22 13:43:00)
From my experience with Amex, if you charge anything on the card during the cycle --- even if it's paid off in full before the billing cycle ends, they will report what you charged to the CB's.
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Top 10 active forums on FICO Forums during last week:
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Top 10 forums on FICO Forums:
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Latest active threads on FICO Forums:
Started 6 days, 12 hours ago (2009-11-22 04:46:00)
by LynetteM
Hi Duke...did you get your true FICO scores? When you say "B+" territory, it made me wonder if you are looking at true FICOs. If you are, great. Where did you get your scores? As to the zero balance on credit cards...there seems to be an opinion that it varies by FICO provider. Apparently EQ likes to see a small balance, but TU doesn't mind the zero balance. If you have 3 cards,...
Started 6 days, 2 hours ago (2009-11-22 14:59:00)
by llecs
http://ficoforums.myfico.com/fico/bo ard/message?bo ard.id=ficoscoring&message.id=42657#M42657 Locking this to direct others to the post above.
Started 6 days, 2 hours ago (2009-11-22 14:37:00)
by llecs
If you just turned 18, then I take it you are an AU on your other CCs, including the charge cards and cell phones? Are those cell phones reporting on your CR? I believe cell phones only report if they turned bad and were CO'd.
Started 1 week ago (2009-11-21 12:24:00)
by txjohn
Banks don't have members (except those like USAA). They have shareholders. They don't pass savings onto customers, they pass it on to shareholders. The only reason a bank reduces rates is to stay competitive or to become more competitive (promos). This is the distinguishing factor between not-for-profit CU's and private/public banks....not-for-profit pass along to "members" in the ...
Started 6 days, 4 hours ago (2009-11-22 12:14:00)
by DallasLoanGuy
talk to a realtor or friend/family member that can refer you to a loan officer they know
Started 1 week ago (2009-11-21 04:34:00)
by LynetteM
Hi tray... AmEx reports regularly...but their numbers are almost a month behind. My new statement is just now cutting, and a few days ago my last month's balance was reported. Now that I've paid down to zero, I will have to wait another month until they report again. AmEx will be reporting one cycle behind most of your other credit cards.
Started 1 week, 3 days ago (2009-11-18 09:39:00)
by Barry
LynetteM wrote: My husband and I each got ScoreWatch alerts telling us that 2 accounts showed increased balances. These "2 accounts" are our AmEx account. It is shown twice on each of our alerts. Same balance. Same account number. We rarely let any of our credit cards show much of a balance. This balance only happened because it posted too late to be paid before the ...
Started 3 months, 2 weeks ago (2009-08-16 10:27:00)
by txjohn
Did they only pull EQ? Did you have any other Nationwide relationships (insurance, etc)? How many recent accounts or inquiries prior to this application? What does your AAoA, utilization and balances look like? Thanks for the info....many will be interested
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Hot threads for last week on FICO Forums:
Started 1 week, 2 days ago (2009-11-19 11:30:00)
by BungalowMo
Sweet Deal!!!!! Congrats!!
Started 1 week, 2 days ago (2009-11-18 21:03:00)
by creditwherecreditisdue
velocity wrote: I just got declined for a CLI by Discover, I paid in full every month, with a 0 balance... can anyone give me suggestions? I know it was just a soft pull, but will it hurt my fico score? Any help would be appreciated! If it was a soft pull it will have no impact on your FICO score. Discover will not pull a hard without informing you beforehand and they could ...
Started 1 week, 3 days ago (2009-11-18 16:35:00)
by mickie08
For that type of thing you are going to have to look locally. For the most part, anyone giving out any kind of home assistance nationally is focusing on preventing foreclosures, not helping buyers. If there are no local programs I have no clue as to where to go. The other issue is that if you have no money involved, I am assuming you also have no reserves. Most of these programs will...
Started 1 week, 1 day ago (2009-11-20 16:38:00)
by tray
Hi, that is a total lie, I do not have the visa but I have their store card and last month I had to call them as they had not updated on my credit reports to all 3 credit bureaus since August for me also, and I never had any issues always reported on time since I opened up this account in March of this year, so I spoke with a representative last month to correct this situation and EX and...
Started 2 weeks, 4 days ago (2009-11-10 02:06:00)
by Creditaddict
ummm with a 730 you should be instantly approved... only thing they canned my application for was my bk not being finalized, im in 13 also... but since your out you should be good
Started 1 week, 2 days ago (2009-11-19 17:07:00)
by BungalowMo
What's in your reports??? What's the good & bad. Got your fico's too? Seems like you might need to clean up a bit before any more apps. What can we help you with?? Mo
Started 1 week, 1 day ago (2009-11-20 12:08:00)
by Lel
I think you're seeing the effect of the Credit CARD Act. This new law stipulates that CC issuers must mail their statement 21 days before the due date, not 14 days as was previously allowed. I noticed in August, when the new law went into effect, that the due date for my B of A card went from around the 12-15th to the 16th-20th of the month. The statement closing dates haven't ...
Started 1 week ago (2009-11-21 12:03:00)
by LIGHTNIN
I'm sorry but what does ICW mean? And what do you mean by cosignature? Do you mean Joint or AU? As far as CC's go, you only have individual, joint and AU.
Started 1 week, 2 days ago (2009-11-19 16:54:00)
by BungalowMo
Sweet! Because as we all know....that's a REAL FICO! well...the real "range" anyway. Better than anything EX is offering us! After reading message 11...I fully recant this statement. I'm leaving...looking for a rock to crawl under. Message Edited by BungalowMo on 11-20-2009 09:54 AM
Started 1 week ago (2009-11-21 12:24:00)
by txjohn
Banks don't have members (except those like USAA). They have shareholders. They don't pass savings onto customers, they pass it on to shareholders. The only reason a bank reduces rates is to stay competitive or to become more competitive (promos). This is the distinguishing factor between not-for-profit CU's and private/public banks....not-for-profit pass along to "members" in the ...
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