l***i
发帖数: 106 | 1 上周去RUN了个credit report，发现比以前降了近２０分．原来有一张credit card的
limit 在credit report显示为$0（实际应为＄ＸＸＸＸ）,所以任何balance都会使这
张card 在credit report上显示over limit. 我最近要贷款买房， 请问应该找谁去
纠正这个错误？ 谢谢． | s*****n
发帖数: 2174 | 2 I don't think there is anything wrong. Probably that credit card has been
converted into a no-preset-spending-limit (NPSL) card, such as Visa
Signature. Your spend on this card will be counted separately as balance
with open credit on the credit report. It is not considered as over limit,
and doesn't have any DIRECT negative impact on the score.
The decrease of your credit score is probably due to the reduction of total
credit limit and possibly the spend/credit ratio. Since that card has been
converted, the credit limit doesn't contribute the denominator any more,
which make your total credit lower. | l***i
发帖数: 106 | 3 谢谢. 那这样的话CREDIT会不会一直跌呀?
total
【在 s*****n 的大作中提到】
: I don't think there is anything wrong. Probably that credit card has been
: converted into a no-preset-spending-limit (NPSL) card, such as Visa
: Signature. Your spend on this card will be counted separately as balance
: with open credit on the credit report. It is not considered as over limit,
: and doesn't have any DIRECT negative impact on the score.
: The decrease of your credit score is probably due to the reduction of total
: credit limit and possibly the spend/credit ratio. Since that card has been
: converted, the credit limit doesn't contribute the denominator any more,
: which make your total credit lower.
| s*****n
发帖数: 2174 | 4 no.
【在 l***i 的大作中提到】
: 谢谢. 那这样的话CREDIT会不会一直跌呀?
:
: total
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