18 People Helped
Member Since: July 2013
Yes, what is up with the recent site change - it makes the site much less useful! Instead of Vantage being one of the scores, it is now the only one I see.
Unfortunately it is not the one I need to see. Without the FICO score, I will have to find another solution for tracking my credit.
ParisGal's response was:
desertboatman is also wrong about reentering debt. If it has been more than 7 years since there has been any activity on the account it is not legal to reenter it. Yes collection agencies do so, but you can contest the reenter and have it removed from your record.
ParisGal's reply was:
I'm not seeing any Equifax score - I am seeing only the Transunion Vantage score. This means I also no longer see the Insurance score and the FICO score. And the lack of the FICO score makes the site very close to useless. Hopefully this is just a test while they work out the bugs, because I'd hate to have to find another way to keep an eye on my score.
I'm not sure why - but my score has shot up, all of it over the past 6 months. That'd be great, except is is not true. Now it's the Vantage score and not the FICO. Since the people giving me loans look at FICO, Credit Karma has become fantasy.
Of course, if you're getting a loan, they look at the old Vantage score. Or at least they did last month when I got my loan.
Is this a permanent change? I'll need to find a replacement for credit karma if so.
In addition to helping your utilization, the interest is (usually) calculated on how much you currently owe, so paying more up front will also reduce the total cost of the loan. I say usually because I have heard of some kinds of payday loans where the total interest payment is set - I'm guessing you avoided those!
Did you move back in with another family member? I started getting lots of offers when I had my mail sent to my parent's home for 6 months.
Since the email is the log in, and that is tied to the social security number, it would be best for her to have her own email for her account.
I don't believe your wife's score will affect yours - I am a secondary on another person's account, and my fluctuating credit hadn't affected theirs.
I am trying to figure out how much being on their card affects mine - I'd love to hear if your wife's score jumps and by how much!
I am not sure about student loans - but it is clear that paying off car loans, which are also installment loans actually lowers your credit score.
Treating it like an auto loan, I would suggest that you begin to make payments even though you are in forbearance, and not pay it off. The advantage of doing it that way is that you will see if it helps and can change course if it doesn't!