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

Last edited by monishb on Sep-22-2004 at 04:07

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.

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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

^^^ 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.

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.

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

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.

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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

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

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Treat people as if they are what they ought to be and you may help them to become what they are capable of being.

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

___________________
DALLAS STAR ™ °¤§£¤y°

Treat people as if they are what they ought to be and you may help them to become what they are capable of being.

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

___________________
DALLAS STAR ™ °¤§£¤y°

Treat people as if they are what they ought to be and you may help them to become what they are capable of being.