Author Topic: How Many Credit Cards Do You Have? (Read 1004371 times)

Mikeyis4dcats · « **Reply #8625 on:** February 10, 2016, 10:35:09 AM »

Quote from: Mrs. Gooch on February 10, 2016, 10:06:30 AM

What is the best place to get a free credit report? TIA

annualcreditreport.com

Mrs. Gooch · « **Reply #8626 on:** February 10, 2016, 10:45:16 AM »

Quote from: Mikeyis4dcats on February 10, 2016, 10:35:09 AM

Quote from: Mrs. Gooch on February 10, 2016, 10:06:30 AM
What is the best place to get a free credit report? TIA

annualcreditreport.com

Thanks. I see that the free credit reports do not include credit score. Is there a way to get your credit score for free?

Mikeyis4dcats · « **Reply #8627 on:** February 10, 2016, 10:49:09 AM »

Quote from: Mrs. Gooch on February 10, 2016, 10:45:16 AM

Quote from: Mikeyis4dcats on February 10, 2016, 10:35:09 AM
Quote from: Mrs. Gooch on February 10, 2016, 10:06:30 AM
What is the best place to get a free credit report? TIA

annualcreditreport.com

Thanks. I see that the free credit reports do not include credit score. Is there a way to get your credit score for free?

a lot of credit cards now include free FICO scores. I know Barclays , AMEX, Citi, and some Chase cards do.

mocat · « **Reply #8628 on:** February 10, 2016, 10:52:46 AM »

Quote from: Mrs. Gooch on February 10, 2016, 10:45:16 AM

Quote from: Mikeyis4dcats on February 10, 2016, 10:35:09 AM
Quote from: Mrs. Gooch on February 10, 2016, 10:06:30 AM
What is the best place to get a free credit report? TIA

annualcreditreport.com

Thanks. I see that the free credit reports do not include credit score. Is there a way to get your credit score for free?

creditkarma and creditsesame both give you a score and report for free. they are not going to be 100% accurate, but in my experience they are very very close to your FICO score and/or whatever score Credit Card Company X will look at when you apply for a card.

mocat · « **Reply #8629 on:** February 10, 2016, 10:54:03 AM »

i mean not all accounts you have report to every credit reporting agency, and therefore scores can vary a little bit, plus they vary month to month depending on your available credit, debt, etc

Mikeyis4dcats · « **Reply #8630 on:** February 10, 2016, 11:02:44 AM »

Quote from: mocat on February 10, 2016, 10:52:46 AM

Quote from: Mrs. Gooch on February 10, 2016, 10:45:16 AM
Quote from: Mikeyis4dcats on February 10, 2016, 10:35:09 AM
Quote from: Mrs. Gooch on February 10, 2016, 10:06:30 AM
What is the best place to get a free credit report? TIA

annualcreditreport.com

Thanks. I see that the free credit reports do not include credit score. Is there a way to get your credit score for free?

creditkarma and creditsesame both give you a score and report for free. they are not going to be 100% accurate, but in my experience they are very very close to your FICO score and/or whatever score Credit Card Company X will look at when you apply for a card.

I hadn't looked at creditkarma for a long time, but I see now they offer Equifax and TU scores. To compare, my FICO is 824, the Equifax scre was 815 and TU 821. Should be close enough.

pissclams · « **Reply #8631 on:** February 10, 2016, 11:27:24 AM »

this thread is Mrs Gooch's personal Google service

Mrs. Gooch · « **Reply #8632 on:** February 10, 2016, 11:57:29 AM »

Quote from: pissclams on February 10, 2016, 11:27:24 AM

this thread is Mrs Gooch's personal Google service

I wonder why the average credit age (and the corresponding rating) is different from the summary page to the detailed "Credit Factors" page.

WonderMeal · « **Reply #8633 on:** February 11, 2016, 09:51:02 PM »

Quote from: WonderMeal on January 04, 2016, 07:06:21 AM

My only concern is that staying at the Ziva for two additional nights (beyond the two free) would pretty much bankrupt me of UR points. Given that Chase is now denying people left and right (including Mrs. WonderMeal), I'm worried that I'd be without URs for a long long time.

Ended up postponing the trip to Cancun until we can leave the Li'l Meals at home, most likely in April. Decided instead to use some leftover free Hilton nights for a suite at the Hilton Sandestin Resort. Prettay prettay prettay good.

(Hilton rewards are garbagey otherwise, though. #TeamHyatt.)

WonderMeal · « **Reply #8634 on:** February 12, 2016, 04:16:37 PM »

Looks like Mr. and Mrs. Wondermeal are headed to Hawai'i at the end of May/beginning of June for a wedding. Will probably be there for four nights.

The bride and groom had the gall to not get married on Oahu, so I can't stay at the Grand Hyatt Kauai. Bummed about that, but need recommendos for where to stay on Oahu. Since we'll be doing weddingy things most of the time, elite accommodations are great but not required.

Stats: I have ~140k URs, 90k Membership Rewards, ~60k American miles, and the ability to hit some fairly big spends on other cards here in the next few months. I also have a SW companion pass, so if I need to do that to get to the west coast cheaply that's an option as well.

Need some gE heavy hitters to help me plan the airfare. Recommendos on hotels or hotel cards (have maxed out Hyatt free nights) are appreciated.

Phil Titola · « **Reply #8635 on:** February 12, 2016, 04:24:15 PM »

Two England flights for $50! Only coach though :(

SdK · « **Reply #8636 on:** February 13, 2016, 10:33:19 AM »

Damn. Sold my car and paid off my loan and my score dropped 10 points.

#TheWesIsTheFuture

steve dave · « **Reply #8637 on:** February 13, 2016, 10:42:57 AM »

2/5 or whatever chase rule will apply to all chase cards starting in April

Mrs. Gooch · « **Reply #8638 on:** February 13, 2016, 10:51:19 AM »

Quote from: Sundance»¤«Kid on February 13, 2016, 10:33:19 AM

Damn. Sold my car and paid off my loan and my score dropped 10 points.

#TheWesIsTheFuture

Your average age of open accounts went down when that one dropped off, probably.

GoodForAnother · « **Reply #8639 on:** February 13, 2016, 11:20:47 AM »

Quote from: steve dave on February 13, 2016, 10:42:57 AM

2/5 or whatever chase rule will apply to all chase cards starting in April

Goddammit. Now I have to find another way to boost my Marriott points for lifetime status.

ksupamplemousse · « **Reply #8640 on:** February 13, 2016, 11:55:29 AM »

Quote from: steve dave on February 13, 2016, 10:42:57 AM

2/5 or whatever chase rule will apply to all chase cards starting in April

Well, that's rough ridin' terrible. Source?

wetwillie · « **Reply #8641 on:** February 13, 2016, 11:59:57 AM »

we are witnessing the ending of an era. It was really fun while it lasted.

sys · « **Reply #8642 on:** February 13, 2016, 12:01:10 PM »

five cards a year is still pretty good. you'll be fine.

ksupamplemousse · « **Reply #8643 on:** February 13, 2016, 12:21:33 PM »

Quote from: sys on February 13, 2016, 12:01:10 PM

five cards a year is still pretty good. you'll be fine.

Well, it's five cards every two years, so...

steve dave · « **Reply #8644 on:** February 13, 2016, 12:35:52 PM »

Quote from: sys on February 13, 2016, 12:01:10 PM

five cards a year is still pretty good. you'll be fine.

2.5 sucks crap tho. Unless you are talking about a couple, which also sucks crap.

sys · « **Reply #8645 on:** February 13, 2016, 12:38:26 PM »

if you aren't already married, the chase policy should give you the push you need.

Tobias · « **Reply #8646 on:** February 13, 2016, 12:44:35 PM »

sys · « **Reply #8647 on:** February 13, 2016, 12:49:52 PM »

you need the miles, tobias.

SdK · « **Reply #8648 on:** February 13, 2016, 12:59:54 PM »

Quote from: Mrs. Gooch on February 13, 2016, 10:51:19 AM

Quote from: Sundance»¤«Kid on February 13, 2016, 10:33:19 AM
Damn. Sold my car and paid off my loan and my score dropped 10 points.

#TheWesIsTheFuture

Your average age of open accounts went down when that one dropped off, probably.

Going to drop even further when I pay off this credit card that got sent to collections too. Ugh.

#TheWesIsTheFuture

michigancat · « **Reply #8649 on:** February 13, 2016, 01:01:21 PM »

what exactly is the 2/5 thing