b*******t
发帖数: 106 | 1 谢谢。四个显示不同的缩写 （CCR, CERTIFIED CREDIT REPOR, CREDCO, CRTFD CRDT)
，不知道是不是你说的那样。 |
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发帖数: 1 | 3 每个地区的情况不同，你的房子针对的群体不同，我的住户最高630，现在几个租客是
580左右，关键是看收入，然后看是否有eviction记录，必须给以前的房东打电话，落
实是否有欠租等情况。至于如何拒绝不好的租客，就是收入不足，不要提其他的，因为
涉及到其他法律问题。
更多的情况，还是可以从credit report中看出很多东西，你可以询问问什么有late
payment, collection, 甚至问为什么有这么多的inquires, 也可以从中分析出租客消
费分析出其生活方式，改善情况等，进而得出是否租房给他。 |
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s****e
发帖数: 720 | 4 看review好多说不适合吹草地的树叶，不够强劲，电池寿命不够长？你
是用来吹什么的？
1.0 out of 5 starsMuch weaker than advertised! Company admitted specs were
misleading.
ByPatrickon March 28, 2017
Verified Purchase
Received the product on time and in good condition. The battery charged in
the 90 minutes it stated in the manual. I was excited to try it out, but was
extremely disappointed. The product was very weak and barely blew dry
leaves on concrete. There was no way I was getting 110MPH or 390CFM. Called
the customer support numbe... 阅读全帖 |
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g*****j
发帖数: 1211 | 5 It may require surgery. You should check with your primary care doctor and
inquire for surgical referral. |
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l*h
发帖数: 4124 | 6 to be honest, you have NO rights to inquire into your "friend's" medical
information, except for some hearsay from his/her family. |
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t*******g
发帖数: 465 | 7 presidential hard
etrade soft
ing no
some local credit union hard
这是我自己遇到的情况 |
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z****l
发帖数: 5282 | 9 ☆─────────────────────────────────────☆
void (继续郁闷) 于 (Tue Jan 24 00:10:22 2006) 提到:
我手头有一张BOA visa gold，好几年前申请的，大约也有2年多没有用过了，当时的
credit line是6800，但是前几个月我搬家了，它的replacement card我没有收到，我让
我的一个哥们取了那封信然后把卡销毁了。前几天上去看了一下，可以自动涨cl，就让它
涨了一下，结果涨到了9800，在退出online banking的时候，跳出来一个Power Rewards
Visa Platinum的offer，有半年0 apr，cl up to 14，500。我想把我的那张旧卡直接升
级到power rewards,我问了一下customer service，他建议我apply online，这样可以用
那个半年0 apr的promotion，然后consolidate，他还说apply online的话是soft
inquire，而且只要60秒钟就可以知道结果。我试了一下，批了，给了950 |
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m***6
发帖数: 5772 | 10 我的blue cash
CREDITSECURE IRVINE 11.99
112820168 1-866-617-1893
1-866-617-1893
CREDITREPORT $0.00
Doing Business As : CREDIT SECURE
Merchant Address : 18500 VON KARMAN AVE #900
IRVINE
CA
IRVINE
92612
UNITED STATES
Reference Number : 320100100413473953
Dispute/Inquire about this charge
Category: Business Services - Other Services PRINT
网上一查，似乎是这个Experian Consumer Direct |
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p****x
发帖数: 4260 | 11 for car insurance, it is not.
for car finance, yes, it is. however, all inquires within 14 days arecounted
as one inquiry |
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t******j
发帖数: 97 | 12 去年底用anual report免费看了信用报告，当时boa的一张信用卡的信息没列在里面，
只显示了inquire
刚才用版上一位大侠的方法重新看了下report，发现该帐户信息还是没有记录，而另一
张1月分才开得的卡确有了记录
这个要不要和BOA反映一下？怎么反映？电话还是去local？
另，去年查的时候三家只有一家有记录，其余两家因为没有记录没查到
谢谢版上的各位大侠了 |
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s********n
发帖数: 442 | 13 如果申请一张no annual fee的卡最少要多长的信用记录啊？还有他家是inquire哪家的
信用报告？thx！ |
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c*m
发帖数: 1114 | 14 不是很拮据的话就用citi identity monitor吧，$5/m, $60/year随时看三大bureau分数
/报告（包括给你inquire alert)还是很值的。省两顿饭钱就出来了。 |
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n*********e
发帖数: 2289 | 15 开这个是hard pull吗？
增加 credit inquires 数量吗？
谢谢
a
, |
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n*********e
发帖数: 2289 | 16 现在确实太多 hard inquires 12次
这些要背两年才能消掉。。。
所以exprian上还写着一句话：
Ask yourself before signing a credit application, is this a decision I want
to live with for the next two years? |
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p*****2
发帖数: 311 | 17 From FlyerTalk:
Update on Schwab.
Since I had previously been told by Schwab my last account at CITI wouild
earn points (but they had not appearred) I called to inquire today.
An apparently knowledgable representative said she had handeld several such
inquiries. apparently at some point fraud had gotten involved on the
numerous such charges
and she said had gotten in trouble for how they were sending these in (
apparently from VISA) and procedures had been changed. She said a signed
receipt from |
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x****l
发帖数: 7895 | 18 昨天刚查的，感觉是不是多了点
就是开卡关卡之类的造成的可能 |
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k******e
发帖数: 720 | 22 哎.....网上申请了,钱都被扣了,还给了帐号和confirmation code,很高兴的以为被
approve了...
打电话问怎样设置online banking
结果被告知被拒了,due to too many inquires:(
郁闷....
有没有类似经历的兄弟??? |
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c*********8
发帖数: 1681 | 23 本人有两年的history, 6-7张卡，最高cl 9k.
大概有10个hard inquire，730 in creditkarma, 被它拒了几次了！ |
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l*****8
发帖数: 1095 | 24 借楼问一下多少hard inquire算是可以接受的啊？我目前7个了，已然到了啥卡都不敢
申的程度了。。。 |
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y****i
发帖数: 17878 | 25 what are these 6 cards?
data points for my Cap 1 Venture card
3/09 approved instantly online
3/10 two hard inquires reported (only 2 for existing CC customers?)
3/15 automatic phone message confirmed the approval
3/18 received T&C in the mail
3/19 received passcode email, uploaded AA statement
3/21 statement accepted, miles reserved, received the card, $1K spent
expecting 112,000 Cap 1 miles ($1,120 cash value) for the summer vacation |
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z******r
发帖数: 1245 | 26 too many inquires...,转credit line都不可以接受。
最近开了AA，CO，还是冒险尝试了下，还是悲剧了 |
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p******i
发帖数: 1763 | 27 no cap
2% everything （including online)
get even more cb when you sell the world points on fleamarket
easy to obtain high credit limit without hard inquire
no infamous amex review
it's my favorite |
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z****s
发帖数: 1760 | 28 FYI.
Last year when I applied for my first AMEX credit card--AMEX SPG, AMEX
pulled my credit reports from all three (transUnion, Equifax and
Experian), gave me three hard inquires, made me sad
website. |
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s**********g
发帖数: 14942 | 29 没收入 可能认为两三个inquiry已经太多了
argue一下没坏处
inquires |
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l**4
发帖数: 853 | 30 没收入？
是这个原因吧，自己没收入的话怎么pay balance呢？
（F2？让另一半申请，自己办副卡）
inquires |
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l*******o
发帖数: 791 | 31 I have 13 hard inquires. I have full time job. Can this be called to many? |
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z*******i
发帖数: 2904 | 32 I understand that you wish to inquire about changing your
Chase British Airways Non-Signature account ending in ****
to a Visa Signature account.
Firstly, I wish to clarify that when applying for a credit
card, the option to choose for a Signature or
Non-Signature account is not available.
Further, I regret to inform that the option to change your
account to a Visa Signature account is not available. I
apologize for any inconvenience this may cause you.
I am sorry that I was unable to meet your ... 阅读全帖 |
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l*****l
发帖数: 222 | 33 From FICO
Past payment history 35%
Outstanding debt 30%
Length of credit history 15%
Recent credit applications 10%
Types of credit and loans you have 10%
See inquires are not so much important! Lower your credit outstanding
percentage is the first you have to do in the beginning. |
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q******2
发帖数: 851 | 34 被告知过去6个月内申了3张chase card,太多credit inquire in last 12 months. 所
以被矩.请问大家有啥好借口去电话argue? 谢谢! |
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m****2
发帖数: 780 | 35 732-698-718 这几个分数相差不大.原因是每家信用局使用的是自己的算分模型,肯定不
会一样.但都在一个区间.
HARD INQUIRES的话,银行是随机选择一家信用局来查你的CREDIT,被选中的那家才会留
下HARD,其它两家不会.信用局之间不共享信息.
举个极端的例子,假设你连续申请10次信用卡,HARD PULL都是到了EXPERIAN的,那另外两
家你的报告上会显示一个HARD都没有,这很正常.
银行在调你信用报告的时候,他们自己内部会注意平衡一下三家之间的抽取量,避免大量
从一家PULL而忽略另外的两家.
贷款什么的,除非银行直接告诉你他们倾向于PULL哪一家的REPORT,否则你不可能知道.
这也是为什么需要几个独立的信用局,互相之间不影响,这样的话能平衡CREDITOR在审视
你的信用历史时的参照. |
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z****l
发帖数: 5282 | 39 ☆─────────────────────────────────────☆
xmdxx1182 (卡西莫多) 于 (Sun Jun 27 23:16:31 2010, 美东) 提到:
刚刚用schwab玩了15000，没事~~~~
的银行
☆─────────────────────────────────────☆
xmdxx1182 (卡西莫多) 于 (Sun Jun 27 23:18:22 2010, 美东) 提到:
没问题，过去两个月用SCHWAB，没有费用
for
Schwab
☆─────────────────────────────────────☆
tobehard (tobehard) 于 (Mon Jun 28 01:36:18 2010, 美东) 提到:
Thanks for giving me such info. I will open the account tomorrow. Thank
you so much
☆─────────────────────────────────────☆
panyi82 (... 阅读全帖 |
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z****l
发帖数: 5282 | 40 ☆─────────────────────────────────────☆
canhelp2007 (Ming) 于 (Fri Oct 8 22:11:44 2010, 美东) 提到:
请注意：这家银行比较流氓，可能会hold你信用卡的钱10天以上，而不通过你的申请。而且通过率比较低，请申请的人心理有个数。另外，不要用citi的cc做deposit会算成cash advance。其它的像BOA,chase的似乎都算称purchuse。
copied from FT
1st Mariner Bank is offering a bonus of $150 for opening its Classic Direct
Deposit Checking Account with $200 and activating a direct deposit within 90
days.
You may fund it upto $2500 with a CC but there is no gurantee that it will
be treated as a Purchas... 阅读全帖 |
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F********e
发帖数: 1942 | 41 全文如下
11/08/2011 星期二 PREMITYINC8889253774FRESNO CA
39.00
MBWHUCKMQ6 8889253774
8889253774
Doing Business As: PREMITY INC
Merchant Address: 1111 E HERNDON AVE
STE 308
FRESNO
CA
93720
UNITED STATES
Reference Number: 320113130009548352
Dispute/Inquire about this charge
Category: Merchandise & Supplies - Internet Purchase
也不知道是个啥... |
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Y*****c
发帖数: 272 | 42 不知道是不是妥协了。。。 等两天看看吧
Date 12/1/2011
Message Number 41621612
Subject RE: Checking & Savings
Thank you for your email.
I apologize for the confusion. I have submitted a request to have the cash
bonus credited to your checking account. You should see the credit within
the next few days.
If you have any additional questions, please email me or contact the M&T
Telephone Banking Center at 1-800-724-2440. Representatives are available
Monday through Friday 6am to 9pm, Saturday and Sunday 9am... 阅读全帖 |
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l******t
发帖数: 2113 | 43
那也不是绝对的，很多时候是看你跟这个bank的关系怎样，比如我前段时间分数跌到
701的时候还拿到了一张AMEX的premier gold
如果楼主之前没有AMEX的卡，inquires又比较多的话，他们不给你是很正常的现象，建
议你休养生息至少半年再试，好的offer肯定是一直会有的，没有必要每次看到大的
bonus就申，要调节申请周期，不然分数受影响，inquiries也会多 |
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g*****g
发帖数: 5636 | 44 我的三大信用报告分数在652-671之间，有3年10个月的信用历史。有几次晚还款的记录
，最近12个月有18次inquirer,但是半年内没有申过卡。
online申请，第二天打后门电话问被拒了。跟接电话的帅哥求求情，让我等两三分钟后
就批给我了，但是只给了1500 cl，也算不错了
板上的分数和信用历史应该都比我强，呵呵 |
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j********o
发帖数: 919 | 45 刚在另一个帖子里回复了关于HARD PULL的问题,新开一个帖子再给新同学说说清楚好了.
1.HARD PULL都是INSTANT的.银行向CREDIT BUREAU查询你的信用资料的时候,信用局会
自动留下记录,这就是对我们信用分数有影响的"HARD PULL".如果你在0:00:00提交了你
的信用卡申请,银行在0:00:01从信用局PULL了你的记录,那从0:00:01起,这个HARD已经
在你的记录上了,不存在类似消费交易那种隔几天才"POST"的过程.
2.基于以上陈述,版上曾经见过的"同一天申请多张卡,让CREDITOR互相看不见其它申请"
的说法,是不成立的,除非因为物理原因,你能保证你在同一时间在几个不同的
APPLICATION上SUBMIT然后各家银行于同一时间PULL了同一家信用局里你的记录,那那个
"互相看不见"的说法就可能成立...当然,如果你同一天申请A,B,C三家的信用卡,这三家
银行分别PULL了你X,Y,Z三个信用局里的资料,很明显地,"他们互相看不见", lol
3.该种实时的说法仅适用于信用卡帐户.对于房贷车贷这种LOAN/INSTALLMENT的... 阅读全帖 |
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w*****1
发帖数: 6807 | 46 确实是这样，soft pull去inquire从来都不批，不爽 |
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t**********s
发帖数: 2832 | 47
特地再上去看了一次：credit report card下面的total hard credit inquires。 |
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z******6
发帖数: 2638 | 48 分数没用的,银行看到的和你看到的一样,好坏无非: 几乎没有balance,额度够高, 新申
请比较少inquire,就这些了.如果你要改进,就是额度比较高,历史比较长,没有债务,最
近别申请卡.自然就好了. |
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n*******y
发帖数: 3337 | 49 【 以下文字转载自 EasyMoney 俱乐部 】
发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: 呵呵，CHASE很好玩。
发信站: BBS 未名空间站 (Tue Mar 27 15:21:29 2012, 美东)
Two sides of Chase
I called the Chase Sapphire customer service desk twice this week. The
first call was a disaster. The second was awesome. Read on.
Background:
Recently I posted how to get huge savings at Kohl’s by buying discount gift
cards, going through Ultimate Rewards Mall, and applying a 20% off coupon.
There was some speculation in the comment... 阅读全帖 |
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e***w
发帖数: 1160 | 50 log in --> statements & Activities --> Dispute or inquire about a charge
--> open a new inquiry, then choose "I have a credit balance on my account". |
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