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Posted by monishb on Sep-22-2004 03:22:

quote:
Originally posted by Ninjapimp
First off, 1000 is the theoretical limit towards the credit maximum. Most FICO/Empirica/Experian score models don't allow you over 800. The most important key as Maxtuh said is to make sure you're over 650.

Second (although I'm not 100% sure), I would wager a large sum of money that Equifax is actually the larger of the 2.

Thirdly, make sure the data they have is up-to-date. I have disgusting or premier credit depending on the credit bureau.

PS. DIE EQUIFAX!

Yeah EXP & EQU is the biggest, Trans Union is 3rd class:P

Posted by DigiNut on Sep-22-2004 03:27:

quote:
Originally posted by Ninjapimp
Thirdly, make sure the data they have is up-to-date. I have disgusting or premier credit depending on the credit bureau.

Yeah I noticed that they definitely did not have up-to-date information... for one thing I had to pick from a list of ranges for my credit limit to confirm my identity and none of them were right. Fortunately I happened to remember my limit from a while back before it got raised.

Posted by monishb on Sep-22-2004 03:29:

Hey just to let everyone know, i work for a CC company

Rest assuresd, most creditors report to Experian, Transunion & Equifax

Your CC may go through anyone of them depending which company.

Dont open too many iquirys on your credit such as credit checks.

Dont hand out your card # to any tom, dick and harry

Keep 1 card if possible or 2.

Dont ask for a absorbent amt of line of credit, Keep it low profile

Make sure you make minimum payments in time, i would suggest pay off at the end of the month EVERYTHING IN FREAKING FULL!!!!!

Last thing be nice to customer service

Posted by MarkT on Sep-22-2004 18:13:

^^^ good advice.

I pull Equifax bureaus every day at work (mortgage sales). The single worst thing people do, besides the obvious things like declaring bankruptcy and having collections, is making late payments. Your level of debt doesn't matter *that* much, so long as you always make your minimum payments. I've seen people with well over 100k in credit card and loan debt with great scores...because they've never made late payments.

Equifax will mail you a report and it doesn't count as an inquiry or "hit"...too many inquiries in a short period doesn't look good (you appear to be a "credit seeker") and it will drop your score as well.

Definitely a good idea to check your report once per year...just to make sure everything is in order. Some companies report incorrect info that can screw you without you even knowing. Some companies *cough*Sears*cough* are NOTORIOUS for reporting late payments really quickly...I'd steer clear of getting their cards and stick with a normal Visa/MC/Amex.

Posted by StereoPrincess on Sep-22-2004 18:32:

i also found two cards with 500 dollar limits that i don't even wn. which is horrible. bank of montreal mastercard and an american express card. i have no clue how i got those. they aren't being used or anything but it shows too many cards.

Posted by MaxTO on Sep-22-2004 18:52:

quote:
i also found two cards with 500 dollar limits that i don't even wn. which is horrible. bank of montreal mastercard and an american express card. i have no clue how i got those. they aren't being used or anything but it shows too many cards.

One of my old cards is on there, which I cancelled over 2 years ago

Posted by k0nk on Sep-22-2004 22:49:

quote:
Dont ask for a absorbent amt of line of credit

Ooops . My LOC is huge at the moment, and growing by several grand a year.

Posted by Pett on Sep-22-2004 23:09:

quote:
Originally posted by StereoPrincess
i also found two cards with 500 dollar limits that i don't even wn. which is horrible. bank of montreal mastercard and an american express card. i have no clue how i got those. they aren't being used or anything but it shows too many cards.

i also had 3 cards i had no idea about.....i didnt even apply for these things

Posted by dallastar on Sep-22-2004 23:12:

this is all i need to know... thanks a million margs

Posted by dallastar on Sep-22-2004 23:12:

this is all i need to know... thanks a million margs

Posted by dallastar on Sep-22-2004 23:12:

this is all i need to know... thanks a million margs

Posted by dallastar on Sep-22-2004 23:12:

this is all i need to know... thanks a million margs

Posted by joefingers on Sep-23-2004 00:38:

its done all 10G freebies are toast

Posted by SkyHigh on Sep-23-2004 01:30:

Any one know if your tax debt goes on your credit rating??

Posted by chrismack on Sep-23-2004 23:04:

They have now given away all 10,000 of the free ones. Got mine in under the wire though. Thanks Nat.

Posted by MarkT on Sep-25-2004 07:29:

quote:
Originally posted by SkyHigh
Any one know if your tax debt goes on your credit rating??

income tax or property tax?

yes and no...not right away...unless it ends up in collections.

For long overdue income tax, the Ministry of Finance will often register a Judgement/Execution against your name with the local Sheriff's office. Not only can this be reported to your credit bureau, but if you try to buy/sell a home or get a mortgage, your lawyer needs a clear Sheriff's certificate to register the transaction at the local Land Registry office...which you won't be able to get until you pay off the debt

for long overdue property taxes, the municipality can register a lien on your property, but I don't think I've ever seen that on a credit bureau report.

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