[credit-repair] Good news and revolving credit score question
sure they can
On Thu, Nov 20, 2008 at 11:11 AM, dl man wrote:
> Hi Pi, > > Thanks for the details on the security freeze. This sounds like an > excellent way to prevent id theft. Just security freeze all three bureaus > and leave them frozen. > > My question is can existing creditors make soft pulls while your security > freeze is in place ? > > I also wonder if the credit bureaus can sell your info as sales leads? > > I am also wondering if collection agencies can report new items while in > freeze mode. > > Does anyone have a link of the official rules pertaining to security freeze > ? > > > > > —————————— > *From:* Pi > *To:* credit-repair@yahoogroups.com > *Sent:* Wednesday, November 19, 2008 4:16:23 PM > > *Subject:* Re: [credit-repair] Good news and revolving credit score > question > > No, they can’t, that’s the point. Some banks will hold the aplication > until you unfreeze the report and some may deny alltogether but the mayority > of hem will just pull one of the other bureaus. I never did this with a big > business loan but it works for car loans -I got a $27,000 loan for my truck > with two reports frozen- and it works with credit cards, if they ask just > tell them that last year somebody was trying to get credit in your name so > you put a freeze in all 3 CRAs. Experian is the only one who doesn’t have a > way to lift the freeze online, it takes a letter and a few days to have a > temporary lift with them that’s why still frozen but they can check TU and > Eqx. > > Carl.- > > > —– Original Message —– > *From:* Sims Family > *To:* credit-repair@ yahoogroups. com > *Sent:* November 19, 2008 12:30 p > *Subject:* Re: [credit-repair] Good news and revolving credit score > question > > Carl, we are applying for business credit tomorrow with a bank… is > this still a good idea will it effect it at all? In a good or bad way? Can > they still pull the score from them with a freeze? > > Thanks! > Gail > > — On *Wed, 11/19/08, Pi <3.141592p@gmail. com >*wrote: > > From: Pi <3.141592p@gmail. com > > Subject: Re: [credit-repair] Good news and revolving credit score question > To: credit-repair@ yahoogroups. com > Date: Wednesday, November 19, 2008, 5:47 AM > > Experian is where he has the only negative, once you place the SF on > there the credit cards can’t pull that to extend credit so they will go to > Eqx or Transunion, they’ll never see that Cap1 account until he has the > credit card and they can start pulling experian for account review. I’ve > done it just like that with my Cap1 account, it works. > > To place a SF just go to the experian site and follow the directions, I > think you have to request it in writing and send a 10$ check > > Carl.- > > > —– Original Message —– > *From:* Sims Family > *To:* credit-repair@ yahoogroups. com > *Sent:* November 17, 2008 9:07 p > *Subject:* Re: [credit-repair] Good news and revolving credit score > question > > I am not familiar with how and why on the security freeze > how does it help? I am curious > Thanks > Gail > > — On *Mon, 11/17/08, Pi <3.141592p@gmail. com >*wrote: > > From: Pi <3.141592p@gmail. com > > Subject: Re: [credit-repair] Good news and revolving credit score question > To: credit-repair@ yahoogroups. com > Date: Monday, November 17, 2008, 5:21 PM > > Now there is a way for him to get a good credit card or maybe a few of > them. for you husband and for you > > 1- Place a security freeze in experian. > > 2- make sure that you have no fraud alerts in any of the reports. > > 2- After you get confirmation of the security freeze from experian on the > mail apply online for a card with Chase, Bank of America, Barclays and maybe > Nordstrom bank. Stay away from Amex or discover no more than 4 different > applications and all in the same day. > > 3 - Once you get the card activate it and next day have him calling the > bank and putting you as authorized user. > > 4- Use the card(s) every month but only charging a small amount so you can > pay the balance in full by the end of the month. > > No store cards or “bad credit” cards like hsbc or first premiere, stay away > from that you don’t need them anymore > > Once you are doing this the higher the credit limit the better for you > score in the long run. After a few months he can call and ask for a credit > limit increase > > As soon as you have two of your reports cleaned up you can do the same > putting him as authorized user, having 4 or five revolving accounts with a > high combined limit and small balance looks very good to any loan officer. > > Pay those car loans as fast as you can > > Carl.- > > > —– Original Message —– > *From:* majors@oskie. com > *To:* credit-repair@ yahoogroups. com > *Sent:* November 17, 2008 1:00 p > *Subject:* Re: [credit-repair] Good news and revolving credit score > question > > Always get a credit card > Major credit card > keep the balance to nothing for 12 months > but pay more than you charge for 12 months > at the end of twelve months your limit is higher than when you started > > On Mon, Nov 17, 2008 at 12:05 PM, Gail Sims <dillonandgail@ yahoo.com > > wrote: > >> Well, I have been fighting with this Cap One acct for EVER and I just >> thought I’d like to share that TRANS called me today and took it off >> my report and my husbands report… The lady had a voice of an angel >> she was sweet and listened and disputed it and it took it right off. >> My husbands score went up to 754 with them! >> He is 750 with Equifax also but still only 648 with Experian… >> >> All this hard work is paying off! >> >> Now just 1 more report to work on and we are all done! >> >> One question to you who know … my scores are 650 across the board… >> Would getting a revolving credit line help raise my scores ? >> I have no CC… how about store cards instead of CC ??? >> I only have cars loans that are open… I would like my score to be at >> least 700 …. >> >> Thanks guys! >> >> >> >> >> ———— ——— ——— —— >> >> ******* LOOK HERE, IMPORTANT INFO ******* >>>>>>> >> >> <<<<<<> >> >> >> > > > — > Bo Majors > www.oskie.com > www.oskie.com/ equifaxtransunio nexperiancredit. htmCredit Help > > > > >
