Pulling Credit Reports and Scores

For just about anything you want to get off your chest about credit cards.
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linuxmachine
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Postby linuxmachine » Wed Mar 19, 2014 11:04 am

I just stagger my reports too unless I want to check up before taking on a loan. I rarely go on cc app runs so these are the only times. I rarely pull my score too. I eyeball test with just the report. If the report is clean then options to improve score are limited


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Vattené
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Postby Vattené » Wed Mar 19, 2014 7:34 pm

Sorry to hear that, tbka. My credit account was recently stolen and I've just finished dealing with all of that. I suppose it was technically identity theft, but fortunately in my case it was a breeze to handle. No one got away with opening any accounts in my name and I wasn't even out anything. The fraud detection team at the issuer caught it as soon as the first transaction went through - before I even saw it in my recent activity - and called me right away to verify it. It was halfway across the country, so it set off a red flag instantly and I was able to shut the card down fast. I know I got lucky, though. It can do near irreparable damage and the whole situation left me feeling kind of paranoid.

It sounds like you were able to recover; hopefully it didn't do too much damage to you.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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tbka
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Postby tbka » Thu Mar 20, 2014 1:35 am

Vattené wrote:Sorry to hear that, tbka...
It sounds like you were able to recover; hopefully it didn't do too much damage to you.


Thank you for the words of kindness. I unfortunately was not so lucky. I had to deal with lost of lots of money and time. It is not easy to fix or recover from this. It both hurts emotionally and monitaraly. But I am doing much better now and have been working on rebuilding my life.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

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Vattené
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Postby Vattené » Thu Mar 20, 2014 1:53 am

And I'm sorry to hear that as well, it is such a shame. My situation obviously pales in comparison to yours, but I really just wish there were some way to catch the guy that did it to me. He got away with $50 scott-free; I don't want to imagine all the people out there that steal so much more with absolutely no consequence.

Props for being able to pick up the pieces, and best of luck in going forward :cheers: That really is something to be proud of.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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tbka
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Postby tbka » Thu Mar 20, 2014 6:01 am

Vattené wrote:Props for being able to pick up the pieces, and best of luck in going forward :cheers: That really is something to be proud of.


Thank you very much!

Vattené wrote:I really just wish there were some way to catch the guy that did it to me. He got away with $50 scott-free; I don't want to imagine all the people out there that steal so much more with absolutely no consequence.


I wish there was too. But the problem is, there'll always be someone that will find a way. The point of a lock is to keep honest people honest. I guess we just need to be vigilant.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18



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