Questoins:
Becauseofrefinancing,Ifoundaseriousmistake
inmycreditreport:
SeriousDelinquency
afterIcheckedmoredetailsaboutit,Ifoundithappened3yearsagowithanapartmentrentcompany.WhenImovedout,thecompanychargedmesomemoneybymistakereporting.Ididnotpayit,however,Icalledthecompanytoargueaboutthatmistakeforabout3months.Later,thecompanyremoveditandmybalancewithitis$0.
Ihadneverthoughtth...[阅读全文]
博文
(2009-05-04 10:42:48)
(2009-04-29 07:55:20)
Question:
有个医院账单，保险没付对。我给医院打过电话，他们说会去dispute。我也问过我的保险经纪，他也说保险做错了，帮我去dispute。两边都没给我回话，我就忘了这件事。昨天又收到医院账单，说我晚60天没付账。如果不付等结果，这对信用有影响吗？
Answer:
Inmostcases,youshouldgetnonegativeimpactonyourcreditscore.
1.Hospitalsdon'tmakereporttocreditbureau.Insomecases,evenifyouare90oreven120da[阅读全文]
有个医院账单，保险没付对。我给医院打过电话，他们说会去dispute。我也问过我的保险经纪，他也说保险做错了，帮我去dispute。两边都没给我回话，我就忘了这件事。昨天又收到医院账单，说我晚60天没付账。如果不付等结果，这对信用有影响吗？
Answer:
Inmostcases,youshouldgetnonegativeimpactonyourcreditscore.
1.Hospitalsdon'tmakereporttocreditbureau.Insomecases,evenifyouare90oreven120da[阅读全文]
(2009-04-28 19:49:15)
Question:
>之前收到一家collectionagency寄来的讨债信。说我欠某>一信用卡官司200美金。可是我问他们要详细资料，比如什么时间花的钱，在哪里花的，对方通通不给，就说我欠债了要还债。打到信用卡公司去问，他们说资料已经转给讨债公司了，他们也没有。这不就成了无头公案了吗?
>对方报告creditbureau,我如果dispute的话，credit>bureau会把坏记录去掉吗?
Answer:
BeforeIasnweri[阅读全文]
>之前收到一家collectionagency寄来的讨债信。说我欠某>一信用卡官司200美金。可是我问他们要详细资料，比如什么时间花的钱，在哪里花的，对方通通不给，就说我欠债了要还债。打到信用卡公司去问，他们说资料已经转给讨债公司了，他们也没有。这不就成了无头公案了吗?
>对方报告creditbureau,我如果dispute的话，credit>bureau会把坏记录去掉吗?
Answer:
BeforeIasnweri[阅读全文]
(2009-04-28 07:14:52)
Collectorsonlyworkbasedonloancontract.
Ifthereisproblemwithloancontractorinvioce,etc.they"don'tcare".
atypicalexampleifmedicalchargecollection.Usuallymedicalchargeisamess.Thereispatient,insurancecompany,doctoroffice,hospitalandcollectors.Therecanbealotofmistakes.Sowhencredutbureaudesignthecreditscoremodel,theyususallyignorethemedicalcollectionrecordsthatarelessthan$200.
However,thecoll...[阅读全文]
Ifthereisproblemwithloancontractorinvioce,etc.they"don'tcare".
atypicalexampleifmedicalchargecollection.Usuallymedicalchargeisamess.Thereispatient,insurancecompany,doctoroffice,hospitalandcollectors.Therecanbealotofmistakes.Sowhencredutbureaudesignthecreditscoremodel,theyususallyignorethemedicalcollectionrecordsthatarelessthan$200.
However,thecoll...[阅读全文]
(2009-04-28 07:14:14)
>1.手上有多张信用卡，想close几张，是否会降低score？
Yes.Increditscoremodel,thereisavariablecalledcreditutilization,itiscalculatedbytotalbalance/totalcreditlimit.Bycloseingunusedcreditcards,youwillmakethevalueofthisvariablehigher.Thisvariableisanegativefactorincalculationcreditscores.
>2.主动要求降低信用额度是否会降低score？
Yes,Samereasonasabove.
>3.在每次都全额付清的前提下，信用额...[阅读全文]
Yes.Increditscoremodel,thereisavariablecalledcreditutilization,itiscalculatedbytotalbalance/totalcreditlimit.Bycloseingunusedcreditcards,youwillmakethevalueofthisvariablehigher.Thisvariableisanegativefactorincalculationcreditscores.
>2.主动要求降低信用额度是否会降低score？
Yes,Samereasonasabove.
>3.在每次都全额付清的前提下，信用额...[阅读全文]
(2009-04-27 14:19:55)
多谢猫兄,能够急人所急。
我也来效颦：为大家解答关于信用卡，信用分数方面的问题
其实我们专业人士华人就是需要一些这样一些的互助，我自己在信用卡行业工作很久，对于creditbureau,creditscore了解很多。可以为大家解答关于信用卡，信用分数方面的问题。[阅读全文]
我也来效颦：为大家解答关于信用卡，信用分数方面的问题
其实我们专业人士华人就是需要一些这样一些的互助，我自己在信用卡行业工作很久，对于creditbureau,creditscore了解很多。可以为大家解答关于信用卡，信用分数方面的问题。[阅读全文]
