Credit Monitoring....PLUS Score and VantageScores?

Besides free Credit Karma that I use. I also subscribe to USAA's current CreditCheck Monitoring in which on August 20th it will be changed to CreditCheck & ID Monitor. I did notice other changes for the same price but wanted to know what is it, (is it upgrade or downgrade)? Current: "Monthly Experian, TransUnion & Equifax Credit Reports and PLUS Score" New: "Monthly Experian, TransUnion & Equifax Credit Reports and VantageScores" What's the difference between PLUS Score and VantageScores? I tried joining FICO but it won't let me because for some reason, Equifax does not have suffiecent info on me (**bleep**!?!?) so I'm stuck with CreditCheck for now. Thanks!

Estoril777 wrote:
Good news! I was approved for the Chase Sapphire Preferred, with a credit limit of 5000. (edit: I was expecting a higher limit but that's only becasue I got spolied with the 12k and 15k Southwest Chase cards; 5k is still perfectly reasonable) Following the application online, they just wanted a phone call to verify information, which went quite smoothly. Thanks again Yes-its-me for the helpful replies, I probably would have waited another few weeks otherwise. I think once I get a few cycles of payments in, I'll try for the SPG Amex. But for now I am more than satisfied :-) Very nice... Congrats!! Yes, I like this plan of waiting a few months before trying for the Amex SPG. That gives Chase enoiugh time to also report the CSP.

Similar Messages

Credit Score and Loan Rate

Hi Everyone, I posted here a couple of weeks ago regarding whether or not I should look into buying a larger car and taking advantage my credit union's good rates. So I applied for the loan earlier today and I'm waiting to hear back. The loan is for 1.99% for 60 months on any new car (2010-2015). I decided while I wait to check my credit score on Experian since that's the bureau the credit union said that they would check. My credit score is 743 which is pretty good given I had a short sale 5 years ago due to my divorce. The short sale is the only bad mark I have no other lates. So given this score what do you think the chance are of me getting the 1.99% interest rate? Thanks!

Lmbolling wrote:
Hi everyone!I have an accepted offer on a house and the contract is being re-reviewed by the seller's agent. I had previousy received my pre-approval from Close Your Own Loan. The initial rate quote was 4.125. A few days ago, they pulled my credit and my middle mortgage score is 709. The loan officer then told me my rate would be 4.5% with a $1275 lender credit. Today, my hubby told me to try one more mortgage company... so I received a rate quote from Sebonic Financial. They quoted me 4.125% with $615 in lender fees and no lender credit OR 4.25% with $0 lender fees and $1500 lender credit.I reached out to Close Your Own Loan and the loan officer there is telling me that there is no way I could receive that lower rate only putting 5% down. Has anyone recently put down 5% on a conventional loan with a similar credit score and received a decent rate? I think 4.5% sounds high for a 710 credit score. Looking forward to your thoughts/experiences. Thanks!Don't believe everything a competing LO tells you. Sebonic is known for good rates, and solid service based on some of the reports I've read here. Rates don't matter until you lock, personally I'd have grabbed onto the Sebonic offer immediately as that's not a bad rate quote from the sounds of it. Looks like my own employer (I don't work in their lending arm) would have you at 4.125% base at 5% down and no closing costs, but we do charge a bit based on size of the mortgage and don't know what your purchase price is: that variance would be either .125 or .250 if you fell into one of those categories which sounds to be in the middle of your two; don't think we're necessarily as low as Sebonic though historically.

My fico vs credit karma vs equifax credit monitoring

As you all can see I am new here and have just begun my credit repair journey I'm hoping that some one can shed some light on credit score questions and educate me in the differences.
I have recently started using credit karma and they tell me the my credit score is 603 on trans union and 605 on equifax so not a huge difference however I was told by a lender that my score was 521. Can anyone educate me where the difference comes from.
Also I was looking at paying for one of the monthly subscriptions here on my fico for monitoring purposes as I have written a lot of GW letters and was just sucess ful at disputing a collection account that was not mine
What do you guys use and what are the pros and cons thanks

fire_bug wrote:
As you all can see I am new here and have just begun my credit repair journey I'm hoping that some one can shed some light on credit score questions and educate me in the differences.
I have recently started using credit karma and they tell me the my credit score is 603 on trans union and 605 on equifax so not a huge difference however I was told by a lender that my score was 521. Can anyone educate me where the difference comes from.
There are many different credit scores out there and they are all "correct" based on their own score model. Of those scores, there are FICO scores and Non-FICO scores, or "FAKO's" as they have come to be known. FICO reports that 90% of top lenders use FICO for credit decisions. It is clearly accepted as the industry leader. Your FICO score, just as any credit score, is based on the information in your credit report, you have 3 credit reports from the 3 main credit agencies, Equifax, Experian and TransUnion, and you will have a FICO score for each of those 3 credit reports. Your credit reports may have different info in them thus your scores may not be the same. In addition, the info in your 3 credit reports is always changing, even on a daily basis, thus your FICO credit scores are not static and will change with time, sometimes daily based on new info added to your credit reports or simply due to the passing of time (time is one of the major factors taken into account in you credit score). Additional info:http://www.myfico.com/crediteducation/questions/different-scores-for-3-credit-bureaus.aspx

Want to signup to monitor fico scores for mortgage

Had my current mortgage broker pull my scores in April i range from 593-603, I have since been working on credit got two collections deleted and didnt have any creditcards ..I have secured card thats been reporting 2 months now of course i dont want another hard pull so i want to signup and monitor my scores here,but are they giving me myfico8 scores? I know my lender uses Fico classis 04 for trans..ver2 for EXP..and fico v5 for Equa so my question is will i be able to monitor these particular scores with a monthly signup these are the only scores i really care about right nowThanks

The only way to see your mortgage scores is to buy the 3B report. I did it three times before apping for mortgage! But before my lender did it I kept him in the loop with everything I was doing to get my credit to where it needed. I had four baddies taken off which included a super old paid tax lien. I also opened up credit cards beginning last December. Keep reading the forums to help you guide you how to maximize your scoring with the new trade lines.

Qosmio G30-126 monitor become black and FN buttons don't work

Hello,
I have small problem, ehm two problems but perhaps small for you :)
Last week I install Vista ultimate WITHOUT RECOVERY CD..
It's OK, but I'm closing cover of notebook and instantly open, monitor become black and i can't anything do beyond restart .
In Control panel in possibilities of power supply , bookmark "options for closing pad" doesn't work.
Maybe it is by, because i don't driver if exist
And second problem maybe related with first but this is mistake by it, because I wasn't discover drivers because i don't hidden toolbar on up on dispay in Windows, where is standartly is.
I don't work major part hidden functions under key FN ( I think FN + F2,F3...F12) plus keys be the side POWER without multimedia keys on music..
Thx for help !!!
Sry for my bad english
Message was edited by: Martiosso

Hi Martin
First of all its interesting if you have downloaded and installed all Toshiba Vista drivers which are released on the Toshiba European driver page?
All drivers must be installed in the right order!
If I'm not mistaken the Qosmio G30-126 belongs to the PQG32E series. It was delivered with HD DVD drive and therefore you should choose the drivers for Qosmio G30 HD DVD (PQG32E)!!!
Please check firstly the Installation Instructions txt file and then install all drivers like mentioned in this document.
Regarding the display issue;
You should install the right NVIDIA driver from the Toshiba page!!
The FN keys and control buttons dont work because the Toshiba Vista Value Added Package was not installed. This package contains different applications which are necessary to get all Toshiba functions running!
Good luck

New computer and video monitors for HD and PP CS5.5

Dear All,
I have recently updated to Adobe Creative Suite 5.5 Master Collection to work in conjuntion with Final Cut Pro. I've been working with a Canon XL-1s, taping with mini-dv format in Standard Definition up to this time but am thinking of buying the Panasonic AG-AC160 AVCCAM and upgrading to High Definition.
I'm working on a Mac Pro and have been using a View Sonic computer monitor and a Sony Video Monitor that I've had for years -- left over from the old analog video tape days, but it still seems to do the job well.
I'm learning Premiere Pro CS5.5 and the suite seems to be working o.k., so that is not a problem at this time.
My question is: If I start working in high definition, do I need to change my computer and video monitors in order to get professional results from my editing software? I have done documentaries and want to do them in high def and have the best video for podcasts and mobile applications.
I don't want to spend another gazillion dollars on monitors if I don't have to, but I do want to provide the best video that I can and I will buy what I need.
Thanks for your suggestions and any info you can provide.
Small Town Gal

Dear taz291819
Thanks for your help. I have one more question. Do I actually need two monitors or will the computer monitor serve as a video monitor? I'm used to the old analog process of viewing the final video on a video monitor, but with HD, I would think that the computer monitor would give the same result as a separate video monitor. My ViewSonic would work, I'm sure, but it's a bit small for the HD format and I would like a bigger screen to work on. So, can I just use the computer monitor for editing and viewing the final product?
For Harm Millaard, I just think that HD will produce a better final product in small formats viewed as podcasts or on mobile phones -- plus almost everyone wants everything in HD now, and for some of the things I will be doing, it will undoubtedly give a better product. I want to upgrade my camera anyway, so I want to go to HD.
Small Town Gal

Credit Card information lingering around on Credit Monitoring account.

Hey everyone, I signed up (creating username/password) with Experian, Transunion, and Equifax credit monitoring services for a weekly period (all 3 were cancelled within the 7 day trial period). Even though I cancelled the 7 day trial credit monitoring for all 3 credit bureaus, they still have my credit card information listed in my account. And each CSR at all the 3 credit bureaus I talk to has a different story, some say they must retain a credit card number on file even if the card number is not being charged for credit monitoring, and some say it can be removed. So I am confused, and these days you can't be too safe when it comes to your financial information, I just feel it is a risk having payment information stored on any site, even if it is with the 3 credit bureaus. Has anyone had experience with removing card information from their accounts with Experian, Transunion and Equifax?

Arvind,
Try USEREXIT_SAVE_DOCUMENT_PREPARE in MV45AFZZ.
If you need moe info, please send me a request at [email protected] and I'll be more than happy to provide more details.
Ryan

What is the diffrence between OMB plus command and OMB command

what is the diffrence between OMB plus command and OMB command?
are they both TCL command?

Hi Alena,
Welcome to SDN.
Check this
EXIT in Loops and Modularization Units
Basic form
EXIT.
Effect
Within a loop structure:
Terminates looop processing (DO, WHILE, LOOP, SELECT).
Within subroutines and other modularization units (but not in a loop structure):
Leaves the subroutine or modularization unit (FORM, MODULE, FUNCTION, TOP-OF-PAGE, END-OF-PAGE).
Outside loop structures and modularization units (report processing):
Terminates report processing and triggers list display.
But not sure about
atexit() .. ,may use in Object Oriented Programming.
(C++)
"At exit-command in module pool."
Mohinder
Edited by: Mohinder Singh Chauhan on Aug 1, 2008 8:06 AM

How to I take my credit card information off and put no payment info like back how it first started, and how do I do that by my iphone?

I need help,
How do I take my credit card information off and put none payment
And how do that by my iphone. With out using a computer.
Because when I use my credit card and I know I have money on it
It says decline so I wanna take that off so I can download apps without using
My card or an iTunes card. Like down load the free apps without card info.

Hi ShyGirl07,
Welcome to the Support Communities!
The article below may be able to help you with this.
Why can’t I select None when I edit my payment information?
http://support.apple.com/kb/ts5366
I hope this information helps ....
- Judy

Why is it that when I plug my Macbook Pro to an external monitor, the external monitor turns black and shows the mouse only

Why is it that when I plug my Macbook Pro to an external monitor, the external monitor turns black and shows the mouse only

Hi, yes preferences sees there is a second display it recognises what make of monitor it is etc but I just get a blank blue screen on the monitor when I change it to the hdmi setting! I have tried with mirroring on and off, rearranging the displays in the preference window and lots of different resolution settings but with no difference.
An old MacBook connects fine so the monitor and hdmi port must be okay. I'm sure we have used the cable before but it could have been with the previous MacBook Air. The current one I'm using is a mid 2011 version running lion and is (according to software update) all up to date.
Any thoughts or help would be appreciated!

How to add Score and Timer in Adobe flash

Hi guys I am making a android game. I am new in actionscript programming and i can't find to get this right.
I need to have a score and timer in this game >>> http://www.filedropper.com/eggrun
It should have coins for adding the score and a countdown timer for it's gaming time.
When the countdown timer goes to zero. The game stops then the stage will remove the game scene then a new layer will pop up with the total score in it.
Please help me guys
I am nowhere close to getting this right.

There are many ways to do countdown timer. Here are two examples to countdown from 60 seconds to zero. Theoretically they should work the same, but practically not always. Since heavy processing can slow down frame rate and hence method #2 will not be accurate. Really depends on your need.
#1, using Timer class
var delay:Number = 1000; //the delay between timer events, in milliseconds.
var remainingTime:int = 60;
var countDownTimer:Timer = new Timer(DELAY);
countDownTimer.addEventListener(TimerEvent.TIMER, countDownUpdate);
countDownTimer.start();
function countDownUpdate(evt:TimerEvent):void{
     //1 second passed, do something
     remainingTime--;
     if(remainingTime == 0){
          //60 seconds passed, do something
          countDownTimer.stop();
          countDownTimer.removeEventListener(TimerEvent.TIMER, countDownUpdate);
#2, using onEnterFrame event
var frameCount:int= 0;
var remainingTime:int = 60;
addEventListener(Event.ENTER_FRAME, countDownEnterFrame);
function countDownEnterFrame(e:Event):void{
     frameCount++;
     if(frameCount == Stage.frameRate){
          //1 second passed, do something
          frameCount = 0;
          remainingTime--;
          if(remainingTime == 0){
               //60 seconds passed, do something
               countDownTimer.stop();
               countDownTimer.removeEventListener(TimerEvent.TIMER, countDownUpdate);
As for your score part. It really depends on what exactly you're looking for. There are a lot of ways to do it, and for each way to do it there are even more methods to implement it. Maybe you can try to describe in more details of what you have in mind, so people can help you easier. Don't worry if one method doesn't work for you, since there are so many ways to do things in Flash with AS3. Good luck

How do I transfer my data from one Game Center account to another without deleting all my achievements, scores, and friends?

I want to get a profile picture on my gamecenter but it won't work.I now want to change it without deleting all of my achievements, scores, and friends. Please help me!

You can't, all content is tied to the account that purchased / downloaded it and it can't be copied or transferred to a different account.

I have always paid for apps with a credit card and now need to use an app store card but I can't get past the point where it keeps wanting my credit card updated. And can't used the app card number. Any advice???

I have always paid for apps with a credit card and now need to use an app store card but I can't get past the point where it keeps wanting my credit card updated. And can't used the app card number. Any advice???

I do NOT like using my credit card if I don't have to, and I went out of my way to go buy an Apple gift card, which I successfully redeemed into my Apple account. However, when I use the Apple "Cards" app, it will not let me use anything other than my credit card. I tried purchasing a card, hopefulling it would come out of my Apple store balance, but no such luck -- it came out of my credit card.
Apple is becoming more like Microsoft every day.

Is there any way to do the following? Regarding score, and printing.

Hello,
My name is Kyle, and I just started using GarageBand. I have been a Mac user for quite some time, and I just recently purchased the Jam Packs. I have been a composer for about 5 years, and I am really interested in electronic music and the possibilities that it has. GarageBand seems to be a great program, and considering it is a program that is standard on Macs now makes a lot of wonderful technology available to the general public.
I have started using GarageBand to help me with some of my compositions, buy using the software instruments and improvising, to give me an idea of what some chordal structures sound like, and how I could interwieve some of the parts together. Is there any way to view the full score? I know that you can view the notes in note view, but is there any way to select multiple parts and view the score of the parts? This is something that I don't see, and I think it would be very helpful to view it as a full score, while also having the ability to do a single instrument input.
Also, I was wondering if there was any way to print the notation for each part? Also, this would be helpful from score view. I use Finale 2007 for my notation for compositions, and sometimes Sibelius 4. I would like to transfer some of the stuff that I have played into Finale, so that I can do a little more editing, and incorperate it into a piece. I don't want to have GarageBand open, and read it note for note. I don't think there is any way to export them either, so that Finale or Sibelius could read the notes and rhythms. Am I asking for too much from a program that is essentially free with my system? I just see a lot of potential for the program, and I know most of my friends who are also composition majors are Mac users. I think this could be easily fixed, if these things aren't available already. If anyone knows anything about this, or has any suggestions, please let me know, as this is something I would like to use more as a tool, and I feel has a lot more potential to grow into an even better program.

Thank you. I have heard of Logic Pro 7, but I have never personally used it. I'm still growing in the world of Composition, and I know that it is something I will be studying in one of my Computer Music classes coming up for my degree. I think it is something I will look into getting once I can justify the price of it. I guess for the time being, I will continue to play and grow in my ability to use and take advantage of GB, and then see what I can do about or with Logic Pro when I'm ready. The thought of spending $1000 for a program is hard to bite, because I've already spent a lot to produce my music, not only electronic music, but also chamber music and so on. I had no idea it would be so expensive to dive deep into the world of composition! lol.
Finale 2007: $500
Sibelius 4: $500
Jam Packs: $400
Midi Keyboard Interface: $100
PowerBook: $1700
Printer for printing scores and analysis: $150
Logic Pro 7: Oy!
As you can see it adds up very quickly...that doesn't even include my personal instruments and study materials.
Thank you for your input, as I haven't really worked much with LP, and therefore didn't know which features are available. I will talk with some of my Composition buddies, and professors and see what they have to say as well, and who knows, I may be able to get the express version through one of them.

HT5035 i have a credit of 15.08 and want to purchase song for 14.97 but says insufficient funds??? how is that possible??

i have a credit of 15.08 and want to purchase songs totaling 14.97 but keeps says insufficient funds... how is that??

If you are in the US then you need to add on your state's sales tax - does that take it over $15.08 ?

Credit Monitoring....PLUS Score and VantageScores?

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