You can do each of the 3 credit companies once a year for free, so do one every 4 months. My problem is all my wealth is tied up in fixed assets like Real Estate, and other long term transactions. I have tried to keep all CC balances below 25-30% But an equity is 765 a good credit score line is close to max, due to monies being used for repairs. But my bank that I have used since 1977 is of no help to me, and that is sad. Theres one thing about FICO scores that confuses me.

This feature really helped me establish my credit profile when I turned 18 my dad added me as an additional cardholder on his Gold Card Account. Days ago here, students of the city s schools sitel agency baguio city online application and universities calmly file out to the a. One last item - not really related, yet, interesting to me - when you are charging $3-5,000 is 765 a good credit score per month are you getting anything for that - ie cash rebate or airline miles. I guess youre not wanted by credit card companies if you use credit wisely.

Talk about killing off people that actually do pay their bills. Note that I have absolutely no adverse action from any other creditor, or even other cards at American Express. AMEX is becoming extremely conservative with it's limits and causing tons of havoc in peoples credit reports.

Thus any Costco shoppers who think their AMEX-issued cards might be closed might consider getting an co-branded AMEX card from another issuer. Because of inactivity, Discover closed it. Two of my cards have only a $1,000 limit.AMEX sent me a letter stating they are redcing to $500.CS of 768.Seems very desparate, no. Seems like you should still keep the accounts open. The automatic prompt simply gave me your request to cancel has been approved. Banks only loan money to people that do not really need to be loaned money.

However, on my FICO and credit report, those credit cards are listed as "revolving" credit cards. So, I did my credit check at the bank, and they got my 3 fico scores from the 3 credit companies. As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums.

When you pay that amount, there would have been other new charges, say $4,000 since the statement date and the credit card company will now report $4,000 as the amount due. Share deals, money-saving tips, and more. So, what are good numbers, I was kind of shocked that the 3 credit companies were all within 1 point of each other. I already dropped them from my merchant account.

Citi, BoA, USAA, and others also issue them now. And if you didn't use your MR points before is 765 a good credit score you cancelled, they'd get those back too. No checking payday loans california ace cash advance southington payday. This change seems to be completely arbitrary. After I had my HSBC (oldest but worthless in term of credit amount) closed this month I have being monitoring my cards for the same thing to happen. But if you apply for a new card once a year, and stop at 6-8 of them, that may help you, as you will now have a larger dollar amont of "Available credit", and it will be easy to keep the dollar percent utilized on any one card below 30%, that will help, you do not want to have over 40% of credit in use per card.

Unless it's the oldest account, those are better off closed so other credit card issuers don't misinterpret the adverse action. You can generally judge if your credit score is good or bad by how many credit card offers you get. Last time (about a year ago) I checked I had a 801 FICO score. In the past, I was able to loan money to is 765 a good credit score one sister, one brother, and my parents. Long is right, about CC companies closing dormant cards. Morgan funds are managed by the same j.p. morgan funds professionals and employ many of.

The key to it is to never miss payments and have a balanced credit to debt ratio. I don't use my AMEX cards very much any more but they're among my oldest and I'd really hate to have to cancel them. By understanding the requirements to get a mortgage after a bankruptcy and by. AMEX is using that as a trigger to cut credit limits because of the type of loans that Countrywide serves. For the business and work expenses, it's on two cards. I have a BT offer on my AMEX Blue (formerly In.

But if you want that score, go to your bank, and they can run all 3 reports and get 3 FICO scores, for cheap. At AMEX they say that the computer flagged something from Experian and made the change. Unaffected is AMEX Green (have had this forever) - no CL limit on that. Try and catch it before it hits the CRA's.

For example, if you charged $3,500 as of the date of reporting the it will show $3,500 as the amount due. FatWallet coupons help you save is 765 a good credit score more when shopping online. Learn more about the do i need insurance to rent a car. Also - cut CL on AMEX Blue from 7K to $500 (not carrying a balance), and Hilton AMEX to $1600, just above what I owe. According to this site, it looks like the range is 300 to 850, not 800 like I thought. I started surveying my customers last year.

I haven't paid monthly finance charges in years. Meaning if you had 10K of available credit from all creditors and had 6K of debt on those cards, AMEX would flag you. Am tempted to close first 3 cards, and just keep the AMEX Green.

But they are all in the same boat, with kids in high priced Colleges, or are retired, so they can not return the favor. I called to cancel and I did not even get to speak to a representative to talk me out of it. They look at how you use credit, and if you pay off the total of the bill within 21 days, they do not consider you to have used the available credit. On a side note, I think one of the credit cards I had from Bofa suddenly disappeared from my online profile.

They cut my 22K CL down to 16K on 1 card. And if you didn't use your MR points before you cancelled, they'd get those back too.Even after cancellation of your card, you have something like 30 days to redeem the MR points. There appears to be no mechanism human or computer by which this can be undone.

One card will be the one for business expenses. Also on the DO NOT CALL web site, so I never get those annoying calls at dinner. In today s lending environment, even a good credit score doesn t pass muster. Also, I've had these AMEX cards for over 14 years. If you lose your wallet, than you will lose all access to credit, when you have to close all accounts to avoid card theft.

She went from 700's down to high 500's in a matter of a few months and she never did anything wrong. Checkout the new section of rent to own homes at our website rentuntilyouown. But after a card was closed and an investigation done, it was found that the Debit was posted to my card in error by the card company, so I guess all I lost was loosing an old account, and getting a newer one, that is not as good.

Just thought I'd bring that up because it really works well for us. Cash online loan application cash advance off credit card the united states. I only owe about $300 so I will pay it off and shred it up. Direct payday lender jupiter funding direct loan lenders group, llc friendly customer. I am a professional mortgage broker and Realtor and have been working with credit scores for the past 10+ years.

Sorry to hear that your credit line is reduced even with good credit. After you have established a track record with a given card, you may want to try calling to see if they may raise the credit limit. That can occur only if you don't have a lot of open tradelines with balances. I currently only have a Costco TrueEarnings Biz AMEX with them, and I owe zero.

I would charge from $3k-5k per month and just pay it all off during the month. How to ask your boss to work from home here s a step by step method to get. My wife has a credit score in the low 800's. AMEX is using a new debt to available credit score. And, the other two I had since college..with these two, I'll use every so often to keep it from being closed.

Now I am rotating the cards I have, so none of them go dormant.

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Called & they said it was due is 765 a good credit score to my ratio per Experian.

After I pay off the balance in full, itll have a zero balance only for a short period of time since Ill charge stuff a few days later. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location. Search Frontline for their site on the credit card industry. Anyone else having this type of experience. I hope the robo-cutter doesnt get me. Set up an account and you can print out the reports.

Also be on the lookout for the sudden rate increases on the cards.

If you are getting a mortgage loan any increase will be inconsequential. The model takes into account how much credit someone has, how long they have had it, their on-time history, current payment record, amount owed vs available credit, number of inquiries, etc. On your report, closed by consumer is WAY better than closed by issuer. I told a friend the numbers I got, that I thought were good numbers, and he said they were not very good.

So I find myself Cash poor, and due to an injury, am currently having an issue with working.

You will get just the credit report, not the FICO score. I had it happen to me with a Home Depot card, I seldom used, I opened it to get 10% off or a large sale. So, if you have old and new AMEX cards, there will be little difference between them in effect on your credit of canceling them. Im going to call them tomorrow and determine if the monthly spending on my Green Card is worth anything to them. We have recieved business class tickets to Europe and many other perks.

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Some of her cards jumped into the highits. I, too, charge thru credit cards, pay each month and do not incur any interest charges. Get Paid by requesting a payment via check or PayPal. Between the Citibank Platinum AMEX and the Fidelity 529 AMEX (with 1.5% Cash Back), there are several decent options available.

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The second credit card in my wallet will be one of my old cards that Ill only use for personal expenses. For other things (line of credit typoe things).800+ may entitle you to some goodies, but nothing significant. It looks like you have a mortgage through Countrywide. So, if you have multiple cards, they should appear on credit reports as having opened in the same year.

None of our other creditors took action, but now Im concerned because my AMEX cuts will show me at 100% utilization. I have started watching my AMEX accounts online and the first credit limit drop I see.

By the way I have a Countrywide loan as well, but we have 40% equity in our home. But I am lucky that my places are not under water, but my place in Sunnyvale or houses in the area took a bigger hit, than the places I have in a city up the peninsula. I am happy to give them a slightly lower than market as the next tenant, may not be as nice.