     RichardM (Richard612) | Friday, March 23, 2001 - 09:17 am 
Thanks to the EXCELLENT advice that Christine has worked so hard to make available on this site, I am now the proud "possessor" of a 752 Beacon. I would be almost certainly still bouncing around in the high-600's if I hadn't acted on the advice at BayHouse.
The most important was to LEAVE MY DAMNED ACCOUNTS ALONE. No new credit, no account closures, no new inquiries. Just use the cards and pay the bills. It works.
If/when I go for my first mortgage, hopefully my Exp/TU scores will be similar and the Wise Bankers will trip over each other to offer me their low cost loan products.
Thanks Christine! |
| Christine Baker (Admin) | Friday, March 23, 2001 - 01:43 pm
Congrats, and thank you!
Now just keep in mind that YOUR creditors might just follow Capital One and Citibank's not reporting limits, or not reporting at all.
I don't know how many accounts you have now, but it really can't hurt to get ONE new account occasionally.
Your Experian and TU scores will be similar IF the reported accounts are similar.
I have seen 100+ point differences many times, so check those reports. |
| RichardM (Richard612) | Saturday, March 24, 2001 - 08:57 pm
Funny thing - Citi *IS* reporting my credit line. Dont' know why or how. Guess I'm lucky. In fact, they bumped me up to 13k a few months back, and Equifax has that figure listed in the "High Credit" column. Go figure.
Now if I could just get my Amex Blue to show 10k instead of six-something... |
| Erik (Erik) | Saturday, March 24, 2001 - 09:01 pm
I think Citi just doesn't report the limit to Experian. Strange policy. |
| Ann (Momof3) | Sunday, March 25, 2001 - 10:10 am
Amex does not report limits to any of the agencies, they only report high balances. |
