diboch

5 Contributions 58 People Helped

Member Since: November 2013

Most Helpful Contribution

Citizens Bank™ Home Equity

Jul 24, 2015
"fixed" rate of HELOC.
Helpful to 48 out of 72 people

I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50.  I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.

Activity (5 Total Contributions)

What Is in a Credit Score?

Feb 14, 2015
Helpful to 6 out of 8 people

I liked Ccredit Karma in its older time, more accurate credit/debt info. and scores camparable to other scoring agents. Now its credit scores departs from its peers and put you down if you believe it. So don't believe CK for its scoring,  though its other info. is accurate and seems reliable. 

As of today, my FICO score reported by Discover is 821 (Excellant), credit score reported by creditsesame is 765 (Excellant 740-850). But my scores here are "good", 739 and 740. Looks like your newformula put everyone down. Does anyone's score is raised by the formula?

I'd recommend coming here with your own awareness! 

DC

Citizens Bank™ Home Equity

Jul 24, 2015
"fixed" rate of HELOC.
Helpful to 48 out of 72 people

I've had a HELOC with them since 2009 and the rate has been the same 3.49%. Annual fee is $50.  I set up automatic payment and don't need to deal wsith my monthly payment except get monthly email from them my account is paid. I am very satified with them.

What Is in a Credit Score?

Feb 14, 2015
Helpful to 1 out of 1 people

My FICO score by Discover using TransUnion data is 821, vantage score 3.0 here is 740, as of today.

Credit card utilization and your credit score

Nov 13, 2014
Helpful to 2 out of 3 people

"Leaving a $5.00 balance" will leads you pay interest. Bad recommendation. Or you don't know that neither. I learnt it many years ago to try $1 less payment that statement balance.

Credit card utilization and your credit score

May 19, 2014
Helpful to 1 out of 3 people

the $5 unpaid balance would result you pay interest on the whole month balance, not no $5 only. Pay all off!