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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:44 AM Original message |
The credit reporting companies dinged my credit score for me trying cover myself |
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marmar (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:50 AM Response to Original message |
1. Credit ratings are going to become as useful as Confederate money in the near future..... |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:23 AM Response to Reply #1 |
12. One can hope. |
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WilmywoodNCparalegal (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:52 AM Response to Original message |
2. The whole credit bureau/reporting thing irks me |
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Gormy Cuss (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:08 AM Response to Reply #2 |
8. +1 |
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xxqqqzme (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:52 AM Response to Original message |
3. My brother, who has a sterling credit rating, |
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prolesunited (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:56 AM Response to Reply #3 |
5. Yes, but he could go insane at any moment |
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xxqqqzme (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:39 PM Response to Reply #5 |
34. Yep, that was the bank's reason. |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 10:56 AM Response to Original message |
4. Here is the motherscratchers exact wording |
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Xithras (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:03 AM Response to Original message |
6. You think THAT'S bad? Try this! |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:06 AM Response to Reply #6 |
7. That is unbelievable |
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ladywnch (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:22 AM Response to Reply #6 |
11. Ditto!!!!! BOA did the same thing to me.....same circumstances |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:29 AM Response to Reply #6 |
14. that's insane!! the way they determine credit worthy is assinine!! |
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Xithras (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:43 AM Response to Reply #14 |
19. Yes, though I did have 11 credit cards at the time. |
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Occulus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:29 AM Response to Reply #6 |
15. Your story is why I just don't care if my payments are late any more. |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:11 AM Response to Original message |
9. i believe that has to do with your credit to debt ratio? maybe. |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:18 AM Response to Reply #9 |
10. I think that was in the list of Positive Factors? Is this what you are talking about? |
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ejpoeta (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:27 AM Response to Reply #10 |
13. just applying for multiple cards can ding your credit score. |
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Statistical (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:31 AM Response to Original message |
16. Good news, bad news |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 01:40 PM Response to Reply #16 |
22. Thank you very much for taking the time to explain that |
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pnutbutr (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:34 AM Response to Original message |
17. :rofl: |
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Ignis (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 02:57 PM Response to Reply #17 |
27. Enjoy your schadenfreude. |
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pnutbutr (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 11:36 AM Response to Original message |
18. serious answer |
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dionysus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 12:12 PM Response to Original message |
20. here's how it works, and it is BS tho... |
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NNN0LHI (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 01:31 PM Response to Reply #20 |
21. FICO went from 827 to 794 |
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dionysus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 02:07 PM Response to Reply #21 |
23. wow... it should rebound fairly quickly. i got hit too. i charged 100 bux on my gap card at xmas, |
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Statistical (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 02:08 PM Response to Reply #21 |
24. Another factor |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 02:09 PM Response to Reply #20 |
25. That makes perfect sense |
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dionysus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 02:56 PM Response to Reply #25 |
26. yeah but you can rack up inquiries if you're mortgage shopping, not getting more credit cards. |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 03:00 PM Response to Reply #26 |
28. No, those are called soft inquiries, not hard ones |
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dionysus (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 03:01 PM Response to Reply #28 |
29. ah, thanks |
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Statistical (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 05:40 PM Response to Reply #28 |
30. That is how it is suppose to work but not always. |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 05:49 PM Response to Reply #30 |
31. As someone who has worked with all three bureaus |
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Statistical (1000+ posts) Send PM | Profile | Ignore | Wed May-27-09 06:23 PM Response to Reply #31 |
32. For most things I agree but not for inquiries |
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Trekologer (445 posts) Send PM | Profile | Ignore | Wed May-27-09 06:23 PM Response to Original message |
33. This reminds me... |
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