| Author | Message | ||
     Thikka_sankara Hero Username: Thikka_sankara Post Number: 17646 Registered: 02-2012 Posted From: 49.207.189.82 Rating: N/A |
 keka link: fikileaks, | ||
| Timepasskosam Junior Artist Username: Timepasskosam Post Number: 282 Registered: 02-2013 Posted From: 99.91.212.243 Rating: N/A |
My auto loan term of 5 years is completed last month and Balance is 0 so they closed my acct - and it resulted in dropping my score by 20points could be same for u too.. did u pay off ur auto loan | ||
| Krishna_jilla Junior Artist Username: Krishna_jilla Post Number: 263 Registered: 02-2015 Posted From: 71.170.242.3 Rating: N/A |
BOA lo kuda ala spending ability check cheskune option undha bro? | ||
| Saint Legend Username: Saint Post Number: 44611 Registered: 01-2011 Posted From: 12.22.163.132 Rating: N/A |
nuvvu request petteppudu credit report pull chesthe kanukua vaadu neeku aa info mundu gane pass cehsthadu... amex lo Check Spending Ability ane link vuntadi..... adhi check chesthe neeku entha purchases ki approval vundoo choopisthndi... 2 times yee nuvvu check cheyyagalavu...3rd time max no. of times check chesavu ani chepthundi!! so aa spending ability varaku credit increase limit pettu....vaadu report pull chesthunattu naaku ekkada choopincha ledu...so submit kotta... citi lo vadu kooda ekkada credit report pull chesthunnattu choopincha ledu..so adhi kooda submit kotta....normally 30-40% current limit ki ekkuva petti kodithe credit report pull avvakapovachu....(BOA ki oka sari ilane chesaaa) | ||
| Krishna_jilla Junior Artist Username: Krishna_jilla Post Number: 257 Registered: 02-2015 Posted From: 71.170.242.3 Rating: N/A |
Bro how will u know upfront that you are approved for certain amount?and also how did u know that he wont pull your report?
Naku discover undhi bro but credit limit increase cheddam anknte vadu credit check chestamu anchupsthundi online lo.. | ||
| Saint Legend Username: Saint Post Number: 44609 Registered: 01-2011 Posted From: 12.22.163.132 Rating: N/A |
yes...exactly...ade vuntadi..ippudu citi vadu discover vadu prathodu credit score techukuntunnaru...so easy annattu vallaki! | ||
| Banam Side Hero Username: Banam Post Number: 8401 Registered: 12-2011 Posted From: 162.118.16.5 Rating: N/A |
DCU vaadu recent ga personal loan apply chesinappudu asalu pull cheyaledhu... Emi ra ante we are getting your credit reports every month, as we know your recent credit score annadhu... Sir Sachin Ramesh Tendulkar || Green Bay Packers || San Antonio Spurs || BEAST Mode | ||
| Saint Legend Username: Saint Post Number: 44608 Registered: 01-2011 Posted From: 12.22.163.132 Rating: N/A |
general ga credit limit increase cheseppudu, credit report pull chestharu.. but konni cards vishayam lo kontha amount varaku pull cheyyaru...its already approved for that amount based on ur history! amex lo ippude purchase limits 13k ani vunte...13k credit limit increase chesa...it didnt hit my credit report....adhe vadu credit report pull chesthadu ante nenu request pette vaadini kaadu.... same to same..citi lo kooda vundi! | ||
| Jalsa Legend Username: Jalsa Post Number: 30129 Registered: 02-2008 Posted From: 69.126.211.48 Rating: N/A |
Oldest cards unchi migathavi teeseyachu as the oldest ones determine the length of your credit history...i did not use the 3 citi cards i had for years and they just closed my accounts automatically. | ||
| Krishna_jilla Junior Artist Username: Krishna_jilla Post Number: 254 Registered: 02-2015 Posted From: 71.170.169.97 Rating: N/A |
Credit karma lo kuda idhe undhi.. | ||
| Banam Side Hero Username: Banam Post Number: 8400 Registered: 12-2011 Posted From: 162.118.16.5 Rating: N/A |
Asalu Emi lekapothe Keka... 2-4 is Ok Anukunta... Inka ekkuva vunte oka 20 points decrease avutundhi, but increase chesukovachu easy gaane points ni ilanti vaatiki... Sir Sachin Ramesh Tendulkar || Green Bay Packers || San Antonio Spurs || BEAST Mode | ||
| Rahul Side Hero Username: Rahul Post Number: 2299 Registered: 12-2010 Posted From: 198.176.190.242 Rating: N/A |
each hard enquiry 2 years vuntadhi..and every enquiry tho your score goes down.. | ||
| Krishna_jilla Junior Artist Username: Krishna_jilla Post Number: 251 Registered: 02-2015 Posted From: 71.170.169.97 Rating: N/A |
Year ki enni hhard enquiries unte manchidi? | ||
| Banam Side Hero Username: Banam Post Number: 8398 Registered: 12-2011 Posted From: 162.118.16.5 Rating: N/A |
Go by Detailed Approach... 1st Credit Score Baagunte, Try to Increase the Credit Limit of Existing Usage Cards... For EX :- Chase Slate ekkuva use chestunte, Try to increase the Credit Limit by X amount of Dollers... Then Close the CC that has ~ X Amount of dollers...2 Cards (total ~X) vunte Inka lucky that Your Credit Score will not be effected much...Only effect will be because of Hard Query on your credit report which is negligible if you do 1/month... Ila Chinnaga 1st kurchoni, em em cards oo decide ayyi, Credit Limit penchi, Avasaram leni small balance cards etc etc close cheseyatame... Sir Sachin Ramesh Tendulkar || Green Bay Packers || San Antonio Spurs || BEAST Mode | ||
| Gotcha Hero Username: Gotcha Post Number: 19506 Registered: 02-2008 Posted From: 8.19.193.14 Rating: N/A |
if u have no plans of using that credit, close them and start using some good cards and increase their limit. nenu vadedi okato rendo migatavi ala padi untavi and will use them for BT oncein a while This Andhra real estate is for sale. | ||
| Jackson Hero Username: Jackson Post Number: 16582 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
never close CC's especially the 1st one.. 1st one dhi close chesthe sanka naaki potundi CS ... | ||
| Rediff Junior Artist Username: Rediff Post Number: 386 Registered: 12-2006 Posted From: 208.189.200.2 Rating: N/A |
babu mama .. yeah .. inkaa AL lone vunnavaa? | ||
| Babu Junior Artist Username: Babu Post Number: 102 Registered: 12-2006 Posted From: 129.135.0.19 Rating: N/A |
nenu cc tho games aduthunta.. thammi..like miles/points/$/bt anni..... mint lo track chesthunta.. okka month 5 cc vaduthunta..next month verevi..ila round robin ga chesthunta.. chala kastame anuko... | ||
| Sachin Legend Username: Sachin Post Number: 38491 Registered: 04-2008 Posted From: 208.78.147.194 Rating: N/A |
all of a sudden na credit score 20 points thaggindi FICO lo...emi cheyaledu special ga last few months ...all normal ..enduku padindo radham kale | ||
| Just4fun Legend Username: Just4fun Post Number: 31943 Registered: 10-2007 Posted From: 204.235.114.64 Rating: N/A |
Do this. *Very old, Very new never close. Middle lo unnavi close cheyu. ** Store credits unte irrespective of above rule close them immediately. | ||
| Cinejeevi Junior Artist Username: Cinejeevi Post Number: 642 Registered: 10-2014 Posted From: 69.147.191.23 Rating: N/A |
nothing will happen if you close/cancel credit cards. sometimes you can merge similar cards. If not close them happily. I closed few earlier and my credit score stands at one of the highest by now. credit score usually calculated on how good you are paying your loan rather than how many you are maintaining or NOT cancelling. jiskE paas sOna (gold) jyaada uskE pass sOna (sleep) kam | ||
| Suyodhan Side Hero Username: Suyodhan Post Number: 2429 Registered: 01-2013 Posted From: 66.25.7.4 Rating: N/A |
etta manage chesthunnavu annai.  | ||
| Babu Junior Artist Username: Babu Post Number: 101 Registered: 12-2006 Posted From: 129.135.0.19 Rating: N/A |
diffay nuvvena...  | ||
| Suyodhan Side Hero Username: Suyodhan Post Number: 2428 Registered: 01-2013 Posted From: 66.25.7.4 Rating: N/A |
ee option vundi anna vishayam teleedu. thanks. | ||
| Babu Junior Artist Username: Babu Post Number: 100 Registered: 12-2006 Posted From: 129.135.0.19 Rating: N/A |
AF unnayi ayithe if too old accounts ayithe call chesi downgrade to no AF cc if 1 or 2 old yr old, then close cheyyi mighathi vatiki... if too old ayithe, intlo store pettesuko if 1 or 2 yr old, close cheyyi.. i have 28 cards now  | ||
| Rediff Junior Artist Username: Rediff Post Number: 385 Registered: 12-2006 Posted From: 208.189.200.2 Rating: N/A |
you can downgrade them to regular fee-free accounts .. like chaseInk-->chaseFreedom etc .. that will keep you a/c history intact | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 17045 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
Annual fees unnavi negotiate chesuko annai | ||
| Rebel Hero Username: Rebel Post Number: 12982 Registered: 02-2008 Posted From: 151.151.109.8 Rating: N/A |
old ones unchi..latest 10 credit cards cancel chesey... if u only using 2 no point in having 16 cards... | ||
| Coolmac Legend Username: Coolmac Post Number: 31005 Registered: 05-2007 Posted From: 96.255.8.51 Rating: N/A |
Never ever close credit accounts, esp the old ones and the ones with more transactions in history.. | ||
| Suyodhan Side Hero Username: Suyodhan Post Number: 2426 Registered: 01-2013 Posted From: 66.25.7.4 Rating: N/A |
track pothondi annai. andulo rendu cards ki annual fee vundi. asalu vaadanu kuda vaadaledu ippativaraku. didnt even activated those cards. BOFA gaadu oka letter pampinchaadu we will send to collection agency adi idi ani. G lo kaali call chesi boothulu dobba, asalu activate cheyyani card ki annual fee enti ani. Sorry sir, its a computer mistake, waive chesthaanu annadu. also, expire ayyipoyina cards ki new cards pampinchaadu capitalone vaadu. avemanna mis-place ayithe adoka gola kada. | ||
| Warren Junior Artist Username: Warren Post Number: 550 Registered: 02-2009 Posted From: 170.63.120.116 Rating: N/A |
more limit is more credit history. american express lo unlimited ani istadu.. vatini close cheyyi.. becoz it does not show any limit and it does not help to grow you credit history. more cards means your overall credit limit is much higher. if you are using less than 30% of your overall credit history then you are at good credit score. if you start closing them then your overall credit history start comming down.. score also come down | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 17042 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
never close credit cards, keep them at zero balance if you dont want to use them | ||
| Suyodhan Side Hero Username: Suyodhan Post Number: 2425 Registered: 01-2013 Posted From: 66.25.7.4 Rating: N/A |
naa deggara total 16 credit cards vunnayi from different different banks. active gaa use chesevi only one or two. Migathaavi asalu vaadaledu kaani Credit karma lo list ayyi maathram vunnayi. Anni close chesesi only active vaaduthunnave vunchukundaamu ani anukuntunna. emanna impact vuntunda credit report meeda? Any advise.. |
