fleuriste

12 Contributions 1 People Helped Top Contributor

Member Since: December 2015

Most Helpful Contribution

Chase automated first stated two weeks. Now says 7-10 days?

Aug 03, 2016
Helpful to 1 out of 1 people

Don't call recon.  Wait to hear their response first.  There have been lots of bad feedback calling Chase recon for CSP.  If you have any other accounts with chase, you can log in and see if you got approved there.  If they deny you, then call recon, maybe even a few times to try to get a yes.

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Chase automated first stated two weeks. Now says 7-10 days?

Aug 03, 2016
Helpful to 1 out of 1 people

Don't call recon.  Wait to hear their response first.  There have been lots of bad feedback calling Chase recon for CSP.  If you have any other accounts with chase, you can log in and see if you got approved there.  If they deny you, then call recon, maybe even a few times to try to get a yes.

Why isn't my apartment lease listed as an account. Shouldn't that build my credit worthiness?

Sep 03, 2017

Most landlords do not report rental payments to CRAs.  However, it is possible to do this.  If your landlord accepts payments through erentypayment or Cozy.co, there is an option for the tenant to have the payments report.

I just paid off both of my credit cards and my credit score dropped. WHY??

May 15, 2017

The credit reporting agencies like to see that you are using your credit responsibly.  If you pay off your cards, it looks like you are not using your credit.  Try to add a third card if you can, then allow one card to report a small balance of less than 9%.  This should improve your credit score.

Landlord reporting to credit agencies

May 15, 2017

There are now websites that will collect rent and report payment history to CRAs for a nominal fee.  eRentpayment and Rental Kharma are just two of these sites.  As a landlord, if I had a tenant who was interested in such a feature, I would certainly try to accomodate my tenant.  For instance, eRentpayment costs $3/month to collect rent, which can be split or paid in full by either party.  

How can I add my renters history

May 15, 2017

If you can get your landlord to agree to switch payments through erentpayment or Rental Kharma, they have an option to allow you to report your rental payment history to the three major CRAs.  I don't know how this would impact credit scoring.

45 years old, 3 month credit history, +700 scores on TU and Equifax, can I get approved for CC?

Nov 11, 2016

Hop over to the MyFico forums.  They have good advice as to what cards to apply for when you are building your credit.  You might start with a secured card and move up from there.  You might not be quite ready for rewards cards, but the people there will know more than I do on that.

Why did my credit score go down by 56 points

Nov 08, 2016

You need to check your credit report.  A lot of things can result in a large drop, but it is just speculation until you look.  If your credit utilization is high, then your score will drop even if you are making the minimum payments.  If you cosign on a loan with someone else and they fail to make a timely payment, your credit will take a hit. If you look at your Credit Karma score reports, they should show some sort of derogatory information (an old collection gets reported, a late payment, etc.) 

How come TransUnion went up 52pts but Equifax went down 12pts

Sep 09, 2016

Get your credit card utilization to under 10%.  If you have more than one card, only carry a balance on one.  If you keep your utilization low, you should start seeing an increase in your score.  But understand that you credit cards are only going to report to the CAs once a month, shortly after a statement cuts.

Getting Credit Reporting on House Rental Payments.

Sep 03, 2016

I'm not sure if it helps to report your rent, but there is a website called eRentpayment which will report your payments to a credit agency if you elect for them to do so.  Through this website, you can pay your rent automatically to your landlord and it costs only $3/month.  I wouldn't pay $10 a month for this service, but I'd consider $3/month.  You would have to get your landlord to agree to sign up for the service. As a landlord, I welcome online payments, but I woudln't bear the cost of it.  

I paid an additional 6000 on my Chase card on 7/21. Why is this not reflected in my info and score?...

Aug 17, 2016

My Chase accounts report to the credit agencies about a week after the statement come out.  

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