jan731

17 Contributions 5 People Helped Top Contributor

Member Since: September 2013

Most Helpful Contribution

Keeping Your Credit Cards Active

Mar 25, 2017
Helpful to 2 out of 3 people

Enter Your ReplyI could not have said it better, I  completely  agree!

Activity (17 Total Contributions)

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SoFi Personal Loans

Nov 05, 2015
Waiting
Helpful to 1 out of 1 people

I am currently waiting to hear from so-fi, it has been 3 weeks, pulled my experian on Friday but I haven't heard anything from them,I have heard so many conflicting reports on how so-if operates, some people say you have to be rich with an excellent score, others have aid they have been approved in the high 600,s,and not so perfect score, either so-if is very busy or they watch to see if you are applying for more loans, I just want to consolidate my credit card debt into a lower rate, so I can get my balances paid off, ran up a lot of debt in the process of buying my house etc,hopefully I can pay off my credit cards, then I will stow them away, no more credit card debt for me,I do have an excellent payment history , I hope that helps

Kinecta Federal Credit Union

Nov 30, 2015
Scary
Helpful to 1 out of 1 people

I inquired about an online auto payment by telephone, I was making sure my payment went through, that is all I called Kinecta about, the next day got an alert from Equifax that I had a hard inquiry from Kinecta for a credit card. I did not apply for a credit card with them, I called Kinecta again and the woman investigated and gave me the name of the person that took  the credit card application which was over the phone,she promised this,person would call me back  he did not I have left message online and on the phone and Kinecta will not contact me about this, strange that the same day I confirm a payment someone tries to get a Kinecta credit card in my name, how do I speak or write a corporate person so I can get to the bottom of this

The Relationship Between Your Credit Score and Credit Card Utilization Rate

Jan 14, 2016
Helpful to 1 out of 1 people

I do believe it is all a game , to charge high interest rates, my utilization went up and my score went down, I have paid some credit balances down lets see if it goes up or stays the same, credit bureaus shouldn't second guess the consumer and assume things they have no idea of knowing

Enter Your Reply

Keeping Your Credit Cards Active

Mar 25, 2017
Helpful to 2 out of 3 people

Enter Your ReplyI could not have said it better, I  completely  agree!

SoFi Personal Loans

Nov 09, 2015
Waiting

I recently posted about Sofi, I accidentally typed Soif, just wanted to correct that

Wells Fargo Cash Wise Visa® Card

Jun 25, 2017
pending

Applied for this card was pending due to further review just got approved for an Amex card with 9000 credit limit, maybe because i don't bank with them, I like the cell protection this card offers

why did my equifax score go down when i pay everything on time and even pay more than the minimum.

Jan 21, 2016

I have been to ,any sites concerning credit woes of consumers hard working bill paying consumers, it is a joke how the credit bureaus treat us, and we shouldn't have to rack our brain to figure out how to get and keep a good score,and the Rico site Rico scores guess what they are fake scores also told to me by my mortgage broker, it is all a big racket, and the best thing to do is to ignore all of these score keep maybe 2 cards and check back in a year we give these credit bureaus way too mch attention, while they play games, ever notices how they get a hard inquiry right away but f you lower your utilization,it takes them forever to reflect it n your score. It is all a bunch of bull crap

why did my equifax score go down when i pay everything on time and even pay more than the minimum.

Jan 21, 2016

Because Equifax loves to deduct points but hates to give points, I often woeder if they are paid to do this to suck more niter st out f us from the big banks

credit scores vs credit karma scores

Jan 20, 2016

Enter Your Replythe three credit bureaus and Rico need to come to a concerns us and get their s%%%% together. It is not fair to consumers, it is a ploy to keep us in the dark,when I purchased my house some tri merge credit was used not Rico, and they say to pay your bills on time well Ido so why did my score drop 75 points because I used my credit cards, I know all about utilization blah blah blah just another way to stick it to the consumer

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credit scores vs credit karma scores

Jan 20, 2016

Enter Your ReplyI know this is an old post but, this is where I was taken, so what gives I have an excellent payment history but my score dropped 75 points because I  use the credit cards that I have, you don't get rewarded for excellent payment or my score wouldn't have dropped that many points, they like to drop you anyway they can that way they all get to suck more interest out of you, I am paying off all my cards, cutting them up and I will do cash, no debt, no high interest because I am sick of playing this credit game

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