- Green Member
- Posts: 4
- Joined: Sat Jan 11, 2014 8:20 am
- Location: US
Thank you for the responses--I really appreciate this board and its members. I tried to post a couple of times earlier today, but the posts have not appeared, so perhaps I wasn't logged in. My apologies if the other posts do appear.
According to myfico, my Experian FICO is 654, while Equifax has reached the giddy height of 663.
I have more hard pulls with Equifax than I thought--3-- including one from my credit union despite their claim that it was soft. Would the credit union still be required to give details, even on a 6+ month old rejection?
Only one collection reported to/by Experian, versus 3 to Equifax. They also say I have no pulls. Are there lenders who pull only Experian?
Experian claims that "the remaining balance on [my] non-mortgage installment loans remains too high," then says on another page that the amount remaining on my installment loans is a whopping $220. I don't understand this. Is it relative to my available credit?
With regards to the collections, I should have mentioned that I would like to try a round or two of PFD (for 100% payment) requests. My understanding is that it can't really hurt, and I'm willing to put in effort and be patient if it could result in an ideal outcome.
Regarding the phantom card, the address (which they double-checked the last time I called, so I know it's correct) is a private mailbox I got 10 years ago, on the recommendation of a friend who'd had a box there for at least 5 years. It is owner-operated, so only one person has access to my mail once the postal service delivers it. After 10 years of receiving sensitive mail there and interacting with the owner, I do feel strongly that he is someone I can trust. So I continue to suspect a glitch on the part of the card company. I will try certified mail to my physical address, which is a secure locked box.
Assuming I can get the ghost card to materialize, should I send them more money and give myself a higher limit there?
Another question I have is about loan diversity. I am happy to drive my ancient car, to not have a mortgage at the rates I'd current be able to access--if I could even get one at all--and to have paid off my student loans. Is there another way to diversify?
creditcards.com/cardmatch offered four different Cap One cards. Is it worth looking into those now, or should I wait?
Thanks again for sharing your expertise. I feel lucky to have found this board.