| Author |
Message |
    
Rasputin
Hero
Username: Rasputin
Post Number: 14560
Registered: 02-2008
Posted From: 208.54.44.137
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 06:00 pm: | 
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balance reported to credit bureau is not the same as the one you carry over from month to month.
some cc companies report the total amount in the monthly statement as the balance. For example, on a card with 2000 limit, you spent 1000 and you waited until you get the monthly bill to pay it, then it counts as 50% utilization, even if you pay it off in full.
So, if you want to boost your scores it is better to pay the money before you get the billing statement.
01/06/2012 - 169.4;02/01/2012 - 168.6;03/26/2012 - 172.8 |
Jodhaa
Megastar
Username: Jodhaa
Post Number: 20522
Registered: 02-2008
Posted From: 69.174.58.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:59 pm: |
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Ntr_rocks:Yes 7 yrs..
Is there any short cut to remove them soon?How they impact if we go for loans? |
Ntr_rocks
Moderator
Username: Ntr_rocks
Post Number: 33980
Registered: 04-2009
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:35 pm: |
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Jodhaa:Negative accounts impact 7 years aa undedhi report lo?
Yes 7 yrs..
8 th year loki enter avvagane only 1st year de potundi...
9Th year loki enter avvagene first 2 years di potundi..and so on |
Jodhaa
Megastar
Username: Jodhaa
Post Number: 20521
Registered: 02-2008
Posted From: 69.174.58.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:33 pm: |
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Saint:
Negative accounts impact 7 years aa undedhi report lo? |
Jodhaa
Megastar
Username: Jodhaa
Post Number: 20520
Registered: 02-2008
Posted From: 69.174.58.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:32 pm: |
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Saint:but motham pay cheyyanakkara ledu...10-20% balance vundela choodu...mari 0 outstanding vunna dani kanna koddiga balance vuntene ekkuva vuntadi....
also oke card meeda 30% or more utilization lekunda choodu
yep yep..idhey plan. |
Saint
Side Hero
Username: Saint
Post Number: 5122
Registered: 01-2011
Posted From: 65.248.129.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:29 pm: |
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Jodhaa:Naa report negative or 2 many enquiries em levu..just high usage on cards..avi pay chesesthey all set kada?
yes ..anthe .... but motham pay cheyyanakkara ledu...10-20% balance vundela choodu...mari 0 outstanding vunna dani kanna koddiga balance vuntene ekkuva vuntadi....
also oke card meeda 30% or more utilization lekunda choodu
Please don't check my profile. |
Jodhaa
Megastar
Username: Jodhaa
Post Number: 20519
Registered: 02-2008
Posted From: 69.174.58.140
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:26 pm: |
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Saint:
Naa report negative or 2 many enquiries em levu..just high usage on cards..avi pay chesesthey all set kada? |
Saint
Side Hero
Username: Saint
Post Number: 5120
Registered: 01-2011
Posted From: 65.248.129.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:24 pm: |
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Ntr_rocks:
Hard Inquiry aithe asalu nenu increase cheyi ani adaganu...
vaadu Hard vese mundu adugutaadu kada...apudu No anta...
emndi le padda..1 year lo clear ipoddi kada....basic gaa...oka manchi roju select chesukuni...aa roje kotha cards ki apply seyyatam...patha cards ki increase seyyamani adagatam chestha...oka 2 hours time lo motham complete ipoye laaga....
edanna hit padda..immediate gaa reflect avvadu ani na ofinion..I might be wrong
Please don't check my profile. |
Ntr_rocks
Moderator
Username: Ntr_rocks
Post Number: 33979
Registered: 04-2009
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:22 pm: |
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Saint:
naa citi vaadu first 1600 itchi..auto increase lo 3200 chesadu..tarvatha hard enquiry tho 13k sesadu BOA vaadu..compul hard enquiry...
Hard Inquiry aithe asalu nenu increase cheyi ani adaganu...
vaadu Hard vese mundu adugutaadu kada...apudu No anta... |
Saint
Side Hero
Username: Saint
Post Number: 5118
Registered: 01-2011
Posted From: 65.248.129.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:21 pm: |
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Ntr_rocks:
ade plan tho anni gikesa...Stamping avvakapothe, no credit card payments..
same here  ...
Please don't check my profile. |
Saint
Side Hero
Username: Saint
Post Number: 5117
Registered: 01-2011
Posted From: 65.248.129.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:21 pm: |
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mamba...
explore cheyyi....silonesh cheppina option consider cheyyi....fight it out...vadilipettaku .... nee mistake emi ledu kada..?
Please don't check my profile. |
Saint
Side Hero
Username: Saint
Post Number: 5116
Registered: 01-2011
Posted From: 65.248.129.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:20 pm: |
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NTR_ROCKS:
Manchi loan edanna set cheyi...manchi apr and deal vastadi..Credit cards apply cheyaku...vunna credit cards ki 6 months ki oka sari call chesi limit increase adugu...hard inquiry veyakunda penchutaadu...
not all cards...auto approval konni cards (citi) vaatiki vuntadi...
naa citi vaadu first 1600 itchi..auto increase lo 3200 chesadu..tarvatha hard enquiry tho 13k sesadu BOA vaadu..compul hard enquiry...
Please don't check my profile. |
Ntr_rocks
Moderator
Username: Ntr_rocks
Post Number: 33978
Registered: 04-2009
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:19 pm: |
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Saint:
eppudanna visa issues tho india povalsi vasthe use avuddi revenge teeruchukotaniki
ade plan tho anni gikesa...Stamping avvakapothe, no credit card payments.. |
Rasputin
Hero
Username: Rasputin
Post Number: 14559
Registered: 02-2008
Posted From: 208.54.44.137
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 23, 2012 - 05:18 pm: |
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Sachin:
check myfico forums. Andulo tips untaayi to build and maintain the score. Utilization counts for 30% of the score. How exactly? It is a secret.
01/06/2012 - 169.4;02/01/2012 - 168.6;03/26/2012 - 172.8 |
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