Credit Score

[ghazni]

guys u r taliking about secure card let me tell u my experience......... there are 3 credit bureaus transunion, experian, EQUIFAX..... even i thought creditkarma would be helpful.... but i did not knew about this equifax.......... try to create account in equifax and then check score.... because all of them consider equifax score.......... credit karma gives transunion score(not accurate though)..... try to see where u stand with equifax......

[deals2buy]

[quote name='ghazni' timestamp='1352085328' post='1302744764']
guys u r taliking about secure card let me tell u my experience......... there are 3 credit bureaus transunion, experian, EQUIFAX..... even i thought creditkarma would be helpful.... but i did not knew about this equifax.......... try to create account in equifax and then check score.... because all of them consider equifax score.......... credit karma gives transunion score(not accurate though)..... try to see where u stand with equifax......
[/quote]
enni sarlu aina chuskovacha? prob em undada?

[viplavreddy123]

[quote name='ghazni' timestamp='1352085328' post='1302744764']
guys u r taliking about secure card let me tell u my experience......... there are 3 credit bureaus transunion, experian, EQUIFAX..... even i thought creditkarma would be helpful.... but i did not knew about this equifax.......... try to create account in equifax and then check score.... because all of them consider equifax score.......... credit karma gives transunion score(not accurate though)..... try to see where u stand with equifax......
[/quote]
naku thelsinantha varaku all credit reporting agencies are equally treated..

some banks acces and some use other..


CKs lo iche di transunion score only..

ani agency credit scores ki max 40 points teda untadi either high or low

[viplavreddy123]

[quote name='deals2buy' timestamp='1352085461' post='1302744771']
enni sarlu aina chuskovacha? prob em undada?
[/quote]
ckc lo enni sarlu ayina chuskovachu..adi okate free ga istundankunta.if you know anyother let me know bhaya

[deals2buy]

[quote name='pawan_bhaktudu' timestamp='1352085548' post='1302744774']
ckc lo enni sarlu ayina chuskovachu..adi okate free ga istundankunta.if you know anyother let me know bhaya
[/quote]ee ckc dkc ante endi bhayya asalu? [img]http://i56.tinypic.com/2w2r5gm.jpg[/img]

[ghazni]

[quote name='deals2buy' timestamp='1352085461' post='1302744771']
enni sarlu aina chuskovacha? prob em undada?
[/quote]
chusukuntey problem undadu kani euifax lo update avadu mana score........ because i applied for credit card and rejected saying they did not find my credit score..... so equifax is the one most of them consider..........

[viplavreddy123]

[quote name='deals2buy' timestamp='1352085630' post='1302744778']
ee ckc dkc ante endi bhayya asalu? [img]http://i56.tinypic.com/2w2r5gm.jpg[/img]
[/quote]
ckc kadu i meant cks creditkarmascore

i dnt know about whats dkc same doubt i have bhaya[img]http://i56.tinypic.com/2w2r5gm.jpg[/img]

[Bukka_Rowdy]

8 months ke etta vastadi score .. minimum untadi .. oka 2 cc apply chesaka perugudii baga maintain cheste,, cheyakapothe you can see the downfall too
credit card hard enquire 2 years untadi credit report lo .. general ga 2 or 3 hard enquirers untai Americans on avg per year ..

[kakka mukka]

[quote name='deals2buy' timestamp='1352080922' post='1302744604']


emo telvadu bhayya...nenu vinnanu kaani but naakem affect ainattu anipinchaledu..nenu only[b] monthly once[/b] or two months ki okasri chusukunta

also andulo okkosari nenu credit card overdraft chesesta..avi clear ga mention chestadu..appudu I lost some points..other thatn that naaku ekkda points poinattu kanipinchaledu mari
[/quote]
anta frequent ga chuste effect itadi...bills time ki kattuko..score check cheskovalsina pani ledu...

[stag]

[quote name='deals2buy' timestamp='1352080922' post='1302744604']


emo telvadu bhayya...nenu vinnanu kaani but naakem affect ainattu anipinchaledu..nenu only monthly once or two months ki okasri chusukunta

also andulo okkosari nenu credit card overdraft chesesta..avi clear ga mention chestadu..appudu I lost some points..other thatn that naaku ekkda points poinattu kanipinchaledu mari
[/quote]

nenu kuda shame bhayya.. oka credit card ni oka 2 months atlane over draft lo ne unchina.. dhebbaku 700+ nundi 635 ki ochindi..ippudu adhi malli penchalante enni thyagalu cheyyalnoooo

[stag]

credit karma lo enni sarlu score check chesukunna em effect avvadhu because it is a soft inquiry on your credit score.. inkokati endhante credit karma scorelu exact ga undavu.. oka 5-6 points atu itu aithuntai exact scores ki.. punyaniki isthunnadu kabatti inga aa matram adjust cheskovali..

[deals2buy]

[quote name='ghazni' timestamp='1352085732' post='1302744779']
chusukuntey problem undadu kani euifax lo update avadu mana score........ because i applied for credit card and rejected saying they did not find my credit score..... so equifax is the one most of them consider..........
[/quote]

hmm..endo emo ee credit card gola ee desham lo
[quote name='pawan_bhaktudu' timestamp='1352085820' post='1302744782']
ckc kadu i meant cks creditkarmascore

i dnt know about whats dkc same doubt i have bhaya[img]http://i56.tinypic.com/2w2r5gm.jpg[/img]
[/quote]

calling all DKCs [img]http://i56.tinypic.com/2w2r5gm.jpg[/img]
[quote name='Bukka_Rowdy' timestamp='1352085884' post='1302744785']
8 months ke etta vastadi score .. minimum untadi .. oka 2 cc apply chesaka perugudii baga maintain cheste,, cheyakapothe you can see the downfall too
credit card hard enquire 2 years untadi credit report lo .. general ga 2 or 3 hard enquirers untai Americans on avg per year ..
[/quote]

ante ippudu naaku cc lekapthe credit history build avvada even though I am using secure card?
[quote name='kakka mukka' timestamp='1352086246' post='1302744805']
anta frequent ga chuste effect itadi...bills time ki kattuko..score check cheskovalsina pani ledu...
[/quote]

billls time ki kattestha..bcoz all of them autopay setup...also kinda stag bhayya cheppinde vinnanu nenu..anduke monthly once check chesta
[quote name='stag' timestamp='1352086255' post='1302744806']

nenu kuda shame bhayya.. oka credit card ni oka 2 months atlane over draft lo ne unchina.. dhebbaku 700+ nundi 635 ki ochindi..ippudu adhi malli penchalante enni thyagalu cheyyalnoooo
[/quote]

ee DB lo naatho patu chala mandi unnaranamata same boat lo[img]http://i56.tinypic.com/2w2r5gm.jpg[/img]

[stag]

[quote name='deals2buy' timestamp='1352086561' post='1302744833']

ee DB lo naatho patu chala mandi unnaranamata same boat lo[img]http://i56.tinypic.com/2w2r5gm.jpg[/img]
[/quote]
[img]http://i1271.photobucket.com/albums/jj636/tupaki/no6ijq.gif[/img]

[Bukka_Rowdy]

secure credit card tho credit score build chesukovachu .. but dont except it will increase a lot .. it will defently help in increasing ..

credit score ..intial credit crad meda depend avutadi .. so never close the first card//

credit score also depends on no of factors like paychecks,age of ssn ,credit on your card...etc

my suggestion credit cards apply cheyandi intail ga okati rendu ..after every two years oka 2 .. or personal loans..

[Bukka_Rowdy]

credit score ki formula evadiki telvadu .. ipati daka ... so chill pay bills on time apply cc when needed,, dont over apply ..