Help On Score

[dalapathi]

[quote name='charygaru' timestamp='1350328305' post='1302632212']
bofa naaku 1k unde 5 k chesindu limit nenu eppudu 1k daati vaadale naaku gurthundi !! ye month ki aa month mostly kattestha hmm ippudu only debit card la paisal unte ne karchulu chestha ledante lite annamata
[/quote]
aah BOFA dhi emi card cash rewards card aah ... kaakapotye inkokati teesukoo ... debit dhi only autopayments(car payments, insurance) atlaanti vaatiki vaadu ... migitaa annitiki credit card vaadu

[charygaru]

[quote name='dalapathi' timestamp='1350328500' post='1302632235']
aah BOFA dhi emi card cash rewards card aah ... kaakapotye inkokati teesukoo ... debit dhi only autopayments(car payments, insurance) atlaanti vaatiki vaadu ... migitaa annitiki credit card vaadu
[/quote]

cash back atla em ledu anukunta deeniki regular bofa CREDIT card antha idi cancel chesi adi okati teesukovala endi anattu ?

[dalapathi]

[quote name='charygaru' timestamp='1350328673' post='1302632255']
cash back atla em ledu anukunta deeniki regular bofa CREDIT card antha idi cancel chesi adi okati teesukovala endi anattu ?
[/quote]
edhi cancel cheyyaku ...

Ikkadiki velli kottahdi apply chesukoo ... 1st 3 months lo $500 use cheyyagaaney $100 vastadhi

1st 1yr 0% apr taruvata 12.99-20.99 madyaloo ... naaku 14 aunkuntaa

[u][color="#810081"][url="https://consumer.bankofamerica.com/USCCapp/Ctl/entry?cid=2083811"]https://consumer.bankofamerica.com/USCCapp/Ctl/entry?cid=2083811[/url][/color][/u]

[chelsea]

@charygaru,@dalapathi naku okka question na creditscore 740 vunnadi Transunion lo ,equifax lo 725 vunnadi ayyina sare naku citi vadi Credit card reject ayyindi Second time apply chesa adi koda enduku anttaru

[charygaru]

[quote name='dalapathi' timestamp='1350328855' post='1302632272']
edhi cancel cheyyaku ...

Ikkadiki velli kottahdi apply chesukoo ... 1st 3 months lo $500 use cheyyagaaney $100 vastadhi

1st 1yr 0% apr taruvata 12.99-20.99 madyaloo ... naaku 14 aunkuntaa

[u][color=#810081][url="https://consumer.bankofamerica.com/USCCapp/Ctl/entry?cid=2083811"]https://consumer.ban...try?cid=2083811[/url][/color][/u]
[/quote]

ekkuva cards unte nenu confuse ayyipotha ani ma anna naaku cards ekkuva apply cheyyaku ani cheppindu vayya nenu kuda ade follow ayyipothunna [img]http://i.imgur.com/JaAFy.gif[/img]

[dalapathi]

[quote name='chelsea' timestamp='1350328887' post='1302632279']
@charygaru,@dalapathi naku okka question na creditscore 740 vunnadi Transunion lo ,equifax lo 725 vunnadi ayyina sare naku citi vadi Credit card reject ayyindi Second time apply chesa adi koda enduku anttaru
[/quote]
emo amri vaadu emi criteris ichi chusuindo ... bofa ayinaa ediana apply cheis chuud konchem time aagi

[chelsea]

[quote name='dalapathi' timestamp='1350329158' post='1302632307']
emo amri vaadu emi criteris ichi chusuindo ... bofa ayinaa ediana apply cheis chuud konchem time aagi
[/quote]

Thanks Dalapathi mama

[TheCompleteMan]

[quote name='charygaru' timestamp='1350327283' post='1302632132']
ante etu tippi naadi 750 aithe unde chances unnai antav !! adenti vayya antha takkuva undi naa score ? general ga entha untadi ?? naaku ee side no idea monna ne naa frnd gadu cheppindu itla credit karma app la score telusthadi free ante esukunna
[/quote]

bhayya... creditkarma pedda bokka charygaru.... nee FICO score ki creditkarma score ki atlease 50 points difference untadi...

Don't trust CK... go and register in MYFICO.COM.... u will get FICO score which is used by all lenders...

[dalapathi]

[quote name='charygaru' timestamp='1350329040' post='1302632296']
ekkuva cards unte nenu confuse ayyipotha ani ma anna naaku cards ekkuva apply cheyyaku ani cheppindu vayya nenu kuda ade follow ayyipothunna [img]http://i.imgur.com/JaAFy.gif[/img]
[/quote]
ssssssssssshhhhhhhhhhhh.........confuse ayyedhi emundhi ... anni okatye compnay anukoo okey website lo annie set chesukovachu... citi cards annie okey login.....bofa ayitey savings, checking, credit cards annie okey login ...

Inkaa CCs tho confuse ayitey antaava..........nenu oka 1 or 2 yrs okatey card ni use chestaanu ... so, aah time lo use cheyyani paata cards ni katta aktti luggage bag lo padestaa ...inak asalu adhi use kuudaa cheyyanu ... valet okatey CC vuntahdi ... so, inekmi confuse avutaamu ... multiple cards pettukuni tirigitey paatavi use chesi...vaati payment time lo cheyyaka assama vvudhi kaanie.......okkatey pettukuntey kaadu ... aah paatavi electronic statement petukuntaa paper statement teesi every month mobile lo mail vastadhi kadaa account balance '$0' ani inkaa emi confusion ...

COnfuse avutaavu ani cards apply cheyyakapovatam biscuit ... okkatian kottadhi apply chesi adhokkatey vaadu

[lolliman]

[quote name='charygaru' timestamp='1350326869' post='1302632103']
ela anna ??? two days la ne two points tagginaya asal em chesthe osthayo anna inthaki needem ayyindi ?
[/quote]

dantlo 2$ negative balance ki vellindi daaniki 100 points thagginchadu

[ronitreddy]

[quote name='yankees' timestamp='1350326308' post='1302632063']
naku anta ledu bhayya..........edo chinna vallam..............premium car tesa..............baga padindi
[/quote]

premium car ela teesav..loan through aa?

[ronitreddy]

[quote name='charygaru' timestamp='1350326625' post='1302632088']
credit karma score vayya idi antha fake untadi anta kada ??? ayyina naaku rendu CC unnai inka oddu avve sakkaga vaaduthalenu
[/quote]

fake emundadu le..oka 20-30 points atu itu untayi..

[yankees]

[quote name='ronitreddy' timestamp='1350330393' post='1302632451']

premium car ela teesav..loan through aa?
[/quote]
ya bhayya..............kani nenu premium car jan lo tesa.............kani na score august lo padindi

[citizenofIND]

[quote name='dalapathi' timestamp='1350327921' post='1302632173']
yeah, loan kosam vaallu credit cheeck chesinaa........kotta credit card kosam chesina adhi hard enquiry avvudhi .. kaanie nuvvu multiple banks ki okey time frame lo credit pull cheyistey 1 or 2 days lopala adhi okey daanikosam ani ardma chesukuni ekkuva cut kaadu antaaru
[/quote]
Ok bhayya thanks..ento yevadiki apply chesinna nenu track cheyalekha pothunam antaru ..edhi em golla ra babu ani SSN office ki pothe vadu antha correct ga undhi anthadu ...ekkada chusthe credit cards ki apply chesthe we did not find any history ani oka letter padesthadu ..chasthunna ee thokallo rules tho

[ronitreddy]

[quote name='Tdp83' timestamp='1350327779' post='1302632160']
na score almost 50 points assam ayyinai.....daniki kuda nanu peel avatam ledhu but 9 hard enquires padhai almost 1month lo ...effect vachi car konna so andhuke ani peeling.....score tagindhi ane badha kanthe hard enquires endhuku padathunai ooo teliyaka kothukunthunna ...anybody can say y this many og hard enquires..if bank rejects loan ..it consider as hard enq? na
[/quote]

Nu car konappudu..car dealer vadu nen manchi deal ippistha ani untadi thakkuva apr ki..sare ani anuntavu nuvvu..vadu lokam lo unna banks annatiki apply chesadu ..vaati result ee adi..kani as far as my knowledge goes, doesn't matter how many hard hits you have in a month, it will always be considered as 1 but not sure though..