Doing a boogie dance! 41 Point Increase Experian!

Yeah some cards do have higher SLs. Like the Venture One card doesn't grant the high limits that the Venture gets. I think if I had gotten the Venture One I'd probably only get $5k. I must say I was surprised by that too though. I read about people doing app sprees while the getting is good. Just spread the inquiries out amongst the bureaus. I hope a credit veteran will chime in with their expertise. I just did Discover's pre approval. It came back with Discover It card. I heard their's can't really be trusted though.

Kuma wrote:
Congrats on the removal! Removals are always gratifying achievements. That's a pretty light profile though, with only around 5-7 months average age it sounds like. And with those cards opened recently I don't know if you'll get rejected for a new card based on ' too many recent inquiries '. I might wait around six months. Then again I've never applied for cards with a 700 score.
Regardless I'd want to wait to apply for any card until all 3 report the negative being removed as you don't know if their going to pull Eq/ TU /Ex. They may pull Eq today and it's not updated and you get rejected with a score of 640 because of a negative.
Do you know what score you were at when you got approved for the Venture?Yeah I was wondering about that too with the too many recent inquires. I have 5 with TU and 3 each with Experian and EQ. I don't think that's a whole lot. Only two of those are recent. The scores I had at the time I was approved for Venture are in my siggy. USAA has pre-selected me for a World Mastercard. I'm sitting on my hands trying not to press the accept button! I can't wait until I can get the Chase Sapphire Preferred. I'm mostly interested in travel rewards cards. Right now though I don't think I can get another one. So I'll wait.

Similar Messages

Is a 100 point increase in 4-6 months feasible?

Current Scores: EQ-536, TU-548, EX-554 (3) Collections Paid in Full today 12/23(3) Collections will be Paid in Full Friday 12/26(1) Judgement for Portfolio Recovery that I'm clueless on.. having trouble making contact at the courts (calling from out of state to a small town)(1) US Gov Student Loan (Stafford) in default that seems to be reporting 3x, should be able to pay off in full in about a month(1) Perkins Student Loan in good standing that is not showing as such, left message to see if they can update reporting(1) Ally Auto loan (4 months old) in good standing(1) Secured US Bank Card in good standing (2 years), was showing 107% utilization, paid off to zero balance, will only put one lunch on a month and pay in full(1) Secured Capital One Card opened today (will receive mid-January) Multiple inquiries from when I was applying for an auto loan in August and from rental house applications in November. I also made the dumb mistake of trying to apply for financing at Ashley Furniture, Apple and Dell as I was trying to find house cards to build credit and keep cash freed up for paying down old debt. Major idiot move as I didn't get approvals and now I have a lot of inquiries on my history. Crap! Any advice on directions to go to help get my scores up by Spring in 4-6 months? I just moved to a very urban area and had the damnest time finding a rental even though my rental history / references is pristine due to dummy debt from when I was 18 - 20. I found a nice rental, but the hitch is it's only available 'til July 31 meaning in the Spring I'll have to start the entire process over again. Someday, I'd like to buy a house and right now it's not looking to good. Help!

securingourfuture wrote:
mamatried wrote:
Current Scores: EQ-536, TU-548, EX-554 (3) Collections Paid in Full today 12/23(3) Collections will be Paid in Full Friday 12/26(1) Judgement for Portfolio Recovery that I'm clueless on.. having trouble making contact at the courts (calling from out of state to a small town)(1) US Gov Student Loan (Stafford) in default that seems to be reporting 3x, should be able to pay off in full in about a month(1) Perkins Student Loan in good standing that is not showing as such, left message to see if they can update reporting(1) Ally Auto loan (4 months old) in good standing(1) Secured US Bank Card in good standing (2 years), was showing 107% utilization, paid off to zero balance, will only put one lunch on a month and pay in full(1) Secured Capital One Card opened today (will receive mid-January) Multiple inquiries from when I was applying for an auto loan in August and from rental house applications in November. I also made the dumb mistake of trying to apply for financing at Ashley Furniture, Apple and Dell as I was trying to find house cards to build credit and keep cash freed up for paying down old debt. Major idiot move as I didn't get approvals and now I have a lot of inquiries on my history. Crap! Any advice on directions to go to help get my scores up by Spring in 4-6 months? I just moved to a very urban area and had the damnest time finding a rental even though my rental history / references is pristine due to dummy debt from when I was 18 - 20. I found a nice rental, but the hitch is it's only available 'til July 31 meaning in the Spring I'll have to start the entire process over again. Someday, I'd like to buy a house and right now it's not looking to good. Help! I think so, with deletions of collections, rehabbing the Stafford, and correcting the Perkins. I don't know much about judgments, but I would think a GW letter to the court after payment would be a great start. Actually a judgment has to be vacated/dismissed by the judge in order for it to be removed from your CR. A GW letter to the judge is not usually successful as there are strict rules to courtroom decorum and operations. Just to give you an idea, I got a chargeoff, collection, and paid lien deleted plus paid off some revolvers and got CLIs. I saw a 36 point increase with EQ in 37 days. As of last Sunday (day 41), I went up another 5 points. That's 41 points in about 6 weeks. I am expecting a few more points in the next 2 weeks after a couple of paid off CCs report, which will decrease utilization to < 10%. Good luck to you!!!

Does Lion have a restore point

Does Lion have a restore point?

Could you describe what you are trying to do a little more fully? When you say Force, do you mean force quit? Just what were you doing in System Preferences when it hung up?
What vintage iMac, memory, etc and version of 10.7?

My Ipod nano automatically reduces the volume and does not hold my attempts to increase the volume. Help!

My Ipod nana automatically reduces the volume and does not hold my attempts to increase the sound. Help.

There is a Volume Limit setting on the iPod. From the main screen
Settings -> Playback -> Volume Limit
You can check that setting to see if it set too low.

My eprinter is telling me that my network name (ssid) does not match my access point network name.

I am using an HP photosmart D110a ePrinter with an ipad2 and I have inadvertently altered the network name (ssid) to the point that the wireles network test report says "that the (ssid) does not match my addess point network name (ssid) exactly." What do I do to put things right again?

Input the correct SSID into the printer and connect.
Say thanks by clicking the Kudos Thumbs Up to the right in the post.
If my post resolved your problem, please mark it as an Accepted Solution ...
I worked for HP but now I'm retired!

The Power Supply Fan is still working, but does not appear to respond to increased loads, and its speed cannot be increased using SMCFanControl. Any suggestions?

Hi all - My mac pro 1,1 has an enigmatic problem. It's quad-core, 3Ghz, running OS X 10.7.5. The problem began some months back, when running HD video conferences, HD streaming videos and some other graphics-moderate (I won't say intense) uses, such as slide shows in Just Looking. My machine has an ATY, RadeonX1900 card and 2 monitors - both Apple displays, one being 30 inch 2560x1600, the other being 24 inch 1920x1200.
When I start those types of graphics-moderate apps, after about 5 minutes, something would crash (the monitors making a noise as it did) and the displays would both go black. The power did not appear to be fully cut off from the monitors. I think that the underlying applications, however, did not crash. So, I could still hear and speak to people during video conferences, and I could hear the sound tracks of videos.
Attempts to restart the computer and get the monitors back did not immediately work to undo the problem, if done straight away. The only way to correct the problem (so as to have the monitors work) was to wait for a few minutes and then restart.
After a lot of puzzled looking at console logs (and I confess that I am not an expert), I ran into a blank.
But, because of the timing of the crashes (after ~5minutes use) and restarts (after some minutes wait), I reasoned that the problem might be temperature related.
Once on that path of thought, I found this article:
http://worldtv.com/blog/guides_tutorials/fixing_an_overheating_mac_pro_no_expens e_required.php
I installed both Temperature Monitor and SMCFanControl. And I experimented, and got interesting results:
Now to the puzzling bit: SMCFanControl shows that the speed of the Power Supply Fan doesn't vary much, even if I use SMCFanControl to ramp fan speeds right up. All of the other fans react to SMCFanControl, going up to and above 2500rpm when commanded. But the Power Supply Fan does not. Having watched it for a few days now, the Power Supply Fan, according to AFCFanControl, never varies outside of a range from about 600-640 rpm, regardless of what I do with AFCFanControl.
Also (and not surprisingly), whenever the graphics-moderate apps run, when I ramp all the fan speeds up using SMCFanControl, Temperature Monitor shows that the all of the temperatures within the machine plummet, except in the power supply locations. Power Supply Location 2 is the worst affected. Because the Power Supply Fan does not react as the other fans do, the "crashes" still occur.
I could post some screen shots of the read outs of SMCFanControl and Temperature Monitor, although I think I have covered the key points in this post.
It seems that the Power Supply Fan is still working, but does not respond to increased loads.
Instinctively, I'm worried that if that's right, it might be a hard problem to fix. Any suggestions? Help! I would really appreciate them!
Cheers
P

Thanks for your response Grant. I had already read about, and I think excluded, dust in graphics card/fan/assembly as a cause. The entire inside of the computer, including the graphics card/fan/assembly, is as clean as a whistle. It looks clean. I've cleaned the dust out every now and then (including a few days ago). Also, my undersanding (derived from the article, linked in my first post) is that I might expect to see high temperatures in the Northbridge and memory module B if the graphics card was overheating. According to Temperature Monitor, however, locations do not increase in temperature when I run the relevant apps. Finally, the graphics card/assembly does not feel too hot to touch.
It is strange that SMCFanControl lists the Power Supply Fan as being software controllable, if that fan is not. Still, your comments are consistent with my observations, as the fan simply does not respond to software control.
There are two upsides: First, I've something of a work-around. I've worked out what temperature must be achieved in Power Supply Location 2 for a crash to occur, and I can watch that location in Temperature Monitor, terminating the process before that treshold is reached. Of course, that's not ideal. Second, ramping all the other fans up does significantly delay the onset of the problem, and makes recovery time much quicker.
Is there any donwside to peridically ramping up the other fans when running the relevant apps? Given that it causes all of the other locations to cool significantly, could this lessesn the life expecancy of the mahcine? (I don't want to run the fans up all the time - that's like sitting next to a jet ready for take off!)
Also, a correction to my first post: Yesterday, with all the other fans running on full and running an HD streaming video, the Power Supply Fan did, eventually, slowly, come up to ~740rpm, which is much higher than the ~640rpm maximum I had previously seen, and this may have aided delaying the onset of the problem.
I'm not sure where this leaves me? The problem might now be able managed. Well, sort-of. But it's not eliminated.

Recent Documents Entry Point - Increase number of documents listed

Hi there,
Does anyone know how to increase the number of documents that get listed in the "recent documents" entry point. It seems to be set to a default of 5, and I would like it to be more.
Thanks,
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So thats the reason, probably you are not using ConsumerExplorer Layout
As the first step then, we need to know then which Layout is been used for this.
The easiest way is to enable debug settings for your user id.
TO enable debug settings,
Goto->System Administration->KNowledge Management->Content Management->
User Interface->(Advanced Mode)->Debugging settings->WDFProxy->
Enable Rendering Information
Give your portal id in the UI Superusers list.
After this, on every KM Navigation iView you will get a link called Rendering Information on the top.
This link will help you in finding out which layout is being used for any KM Nav iView.
After finding that, we need to modify the collection renderer applied to this Layout.
Check [Wiki|https://wiki.sdn.sap.com/wiki/x/GACbBg]
Regards
BP

Why does opening and closing FPGA references increase Windows XP handles by 3?

Hello.
We run a test system here that uses TestStand to communicate
to a number of Labview VI modules which in turn communicates to a
PXI-7833R FPGA. Everything has been working fine except after a long time running Labview would get an out of memory error. I discovered
after a particular VI was run 100,000 times, the number of handles in Windows XP Task
Manager grew to about 370,000. The number of threads and processes remains stable and normal. Closing Labview removes all the excessive handles.
I tried an experiment to create a standalone VI (ie: no TestStand) which simply opens the FPGA VI reference then closes the reference. This is repeated 4 times in the same VI. The number of handles in Windows XP Task
Manager increased by 12 each time the VI was run. No errors. This indicates closing the FPGA reference might not be working.
Why does this happen? Is there a way to avoid it? The version of Labview is 8.5.1.
Appreciate any help here. Thanks.
-Dave

could be related to this known issue--
FPGA FIFO reset behavior—When you use an FPGA target
emulator, FPGA FIFOs reset when the VI is stopped and then started
again. When you use an FPGA target with Interactive Front Panel
Communication, FPGA FIFOs do not reset when the FPGA VI is stopped and
then started again. To reset the FIFO, right-click the FPGA target in
the Project Explorer window and select Download
from the shortcut menu. When you control an FPGA VI using Programmatic
FPGA Interface Communication, use the Close FPGA VI Reference function
with the Close and Reset shortcut menu option selected or the Invoke Method with the Reset method selected to reset FPGA FIFOs
see Knowledgebase
Also remeber to load the FPGA Read/Write VI's dynamically from testStand and dump them after. Thechange to the data type causes the vi to need to recompile so it can't stay in memory if you need different types of data.
Message Edited by Jeff Bohrer on 10-27-2009 02:21 PM
Jeff

Pop-up screen does not appear for inspection point- In-process inspection

Hi,
We havs set up inspection points( time-based) in the master recipe. In that inspection point , we have defined date,time and inspector name as 3 fields to be maintained , before the results recording can start for each characteristic.
Even though the inepction point is assigned in the header QM data of recipe , system does not give the pop-up at all to record the date , time and inspector's name.
Please let me know what settings might be missing to get this pop-up screen to record the inspection date,time and inspector's name.
Regards,
Manohar

The Sampling procedure with free inspection points radio button is chosen. However, we are not getting the pop-up screen of QE11.
What we are trying to get in QA32 , is when we click on "results recording" push button , we want to get QE11 screen to pop-up so that the inspector's name and date and time are recorded , before the results recording screen comes.
Please suggest whether this is a personal setting or master data setting or config setting or some exit to be used.
Regards,
Manohar

Does iOS 6 remember access points by SSID and their associated Wi-Fi frequency?

Just trying to figure out how iOS 6.1.2 handles remembering SSID's and if it associates the frequency(2.4 or 5) to the SSID. I work in a hospital setting. The place is littered with access points with the same SSID on 2.4ghz and 5ghz. There are places in the hospital where the Wi-Fi connection drops out on iOS but remains connected on my other device(android). If I go into settings, Wi Fi, the network is almost always visible but just seems to take forever to resolve, even in those places where it drops out its still visible. Any ideas on what might be causing iOS 6 (ipad mini) to resolve connections so slowly, is it something to do with the frequency or is it too many 'cute girls' to choose from i.e. too many overlapping SSID's in the same frequency.

The reset I wrote about was Settings-Reset-Erase All Content and Settings. Don't bother, I just did that and restored from backup. Still in exactly he same situation. Our iPad 1’s and iPhone 4’s running 5.1 appear to be fine and display everything including album covers. I firmly believe its something in iOS 6 and/or iTunes. Either way, you'll keep knocking yourself out possibly to little avail in my opinion so this is my solution:
My iPad gen 3 is still under warrantee. I'll call Apple Support tomorrow, get a case number and ask them to call. I'm not sure if Apple has been working on this, been made aware of or ??? They keep so secretive about these types of things. I'll let you know what they tell me and keep you in the loop. If you do happen to discover a fix, please let me know. I don't know how busy support will be over the next day or two. We'll see.
I used to be quite a "fanboy" as you put it. We have an iMac, an iPad 1, two iPad 2`s, my iPad 3, and four iPhone 4’s. unfortunately, over the last year or so there has been a noticeable shift in employee attitudes in support and their stores. This surely filters down from above and along with human nature and believing they will always be better than the competition, it breeds arrogance and a shift away from the support of yesterday. I don't know if its because Jobs is no longer around or what, but it does exist. I broke from PC and windows six years ago. While I don't relish the hardware and app penalty of complete change, this update to iOS 6 is bad. Anyway, time will tell.
In the meanwhile, I'll be in touch.
Larry
<Email Edited by Host>

Does Apple have a service to increase Flash storage?

I bought a Macbook Pro Retina 4 weeks ago. When I went to buy it, I intended to buy a macbook pro with 500GB, but I was sold macbook pro with only 128GB, without noticing. I didn't notice it was a 128GB macbook pro until it was too late. I have only used it twice since then and I have already missed the date for an exchange or full refund. I don't want to buy another macbook pro, which is more expensive. How do I increase the storage on the flash drive? Or how can I exchange my macbook pro for a new one with more flash storage? Does Apple provide a service that installs more flash drive storage on a macbook pro for a fee, or any similar service? I really need the extra space on the flash drive storage for work. I hope there is a simple solution to my problem.

Contact the store where you purchased the MBP and see what they can do for you. Currently there are no third party PCIe flash storage devices available, so Apple is your only hope.
Ciao.

What does Little Endian and Floating Point actually do?

Exporting audio to video using Linear PCM format brings along two mysterios options called "Little Endian" and "Floating Point". I did my research but all I could dig out was that the first one, Little Endian, has to do with addressing subcomponents of a file etc.
Does anyone know what these two actually mean in terms of exporting audio and why do I only see them in logic and not in Protools for example?
Thanks...

Big Endian is most significant byte (bit) first, Little Endian is most significant byte (bit) last. When we write down a number, we use big endian: one million threehundred and twentyfivethousand ninehundred and fiftyfour we'd write as 1 325 954. in little endian notation that would be 459 523 1.
I don't know why they show up when exporting audio to video, maybe it is to adaprt the audio to some other (older?) formats?

Need a 4 point increase, I have $2K to pay down cards. How should I distribute it?

I found a lender I liked and 4 of my friends reccomended him to me. So I applied for a Pre approval for a VA loan yesterday. I knew I had a 616 mid score going into it as I pulled from here but he seemed confident that his scores would be different. He pulled the credit and got the same scores I had gotten from here. He ran all my stuff though AU and said everything looked good from a DTI side for the ammount I want. The only problem is the AU wanted my mid score to be a 620. I was planning on this since I already knew my score and I spoke with him about pulling 2K of my 6K reserve to pay down cards. I had actually managed to not send him my account statement for the account this money was in on accident so he had no idea I had it. My scores are EQ616, EX616, TU658, I need to get that mid score up to a 620. Hopefully with room to spare My CC balances areNFCU 15K limit / 14611 balance 97%chase 1500 limit / 1119 balance 75%BOA 2500 limit / 2352 balance 94%Cap1 3600 limit / 3340 balance 92%Mil star 2740 limit / 1327 balance 48%WF 700 limit / 0 balance 52% currently reporting bal of $367, hasnt reported since paying it off.NFCU 10K limit / 0 balance This one is a Checking line of credit for overdraft so I cant transfer to it to drop the utilizaion on my other cards. Total 36040 limit / 22749 Balance 63% utilization I was thinking of doing this$750 on boa bringing it down to 64%$750 on Cap bringin it down to 71% $500 on chase bringin it down to 41% Or shoudl I do $1000 on Cap1 bringing it down to 65% and only $250 on Chase bringing it down to 60% Would it be more benneficial to distribute it accoss multiple accounts or just paying it all on one? I dont need help with the DTI so Im not worried about dropping the payment. Just need to get my score bummped up. The CS simulator on here says paying down 2K should get me a 20pt bump acrross all three scores but hat is the fico 8 score not my mortgage scores. Thanks for any help or input everyone!

The_ocho wrote:
I am active duty military and received orders last week to move. Looking at rental properties in the area I would pay around $3-400 more a month for rent vs a mortgage payment on homes adequate for my family. Mortgage payments for homes in the price range I am looking at would be about $1-200 cheaper a month than my current rent payment I have been paying for the last few years. Deposits, and pet fees on the rental would come up to what I could potentially be paying in closing costs assuming we are unsuccessful in having the seller fully or partially cover them. I already have all the standard appliances if I should need them for the purchased home. I have been living in a home the size of what I am looking to purchase so utilities and stuff like that I am accustomed to paying. The tax benefits will help too. I completely agree that I/we are not in a perfect situation to purchase at the moment but from my point of view it seems like a good time to do it. Our DTI is adequate and our residual income way higher than what is required by the VA. My wife does not have any debt other than her car payment and will be keeping her job up there. I just have the cards listed plus a car payment. Interest rates are NFCU CC is 10% Cap1 is 4% Chase 20% BOA 15% Miltiary star 9% I am not factoring it into my decisions of rent vs buy but I will be reciving a $8-9K bonus in the next few months that would go directly to CC debt. Just bad timing with the suprise move. My logic may be way off here and if you have any insight I am not seeing or factoring in please let me know. Sounds like a rational decision; just as Gmood suggests there are unexpected expenses with home ownership and a majority of homes need some work as soon as you move in in many areas. Houses can take a month or two to close on as well assuming you find one both you and your wife can agree on quickly. Beyond that I can't fault your thought process at all personally. Pay down the nearly max cards and see where you wind up FICO score wise, I don't think 4 points is much of a problem with that much revolving utilization but address the accounts which are hurting you the most. Not entirely sure if the line is at 80 or 90% for that FICO penalty as I never saw a good number below 93%. $400 to BOFA$500 to Cap One You don't have enough to be "sure" on the NFCU card nor enough to take one of the other tradelines to zero, me personally I'd probably just dump it to the highest APR card which sounds like your Chase account, but if you pay it towards the NFCU account if you find another ~$200ish you might get a boost there for getting under 90%, hard to say as I never saw good data in the 80-90% range on it unfortunately but a lot of people have quoted 80% over time so may be some truth to it back from the old forum days. Lacking better data just went with that line in the Cap 1 and BOFA payment optimization. Just for personal reference on a mortage score I was tracking a couple years ago I took a card and maxxed it out, from 1 to 13% aggregate, but 1 to 99.87% individual tradeline revolving and went from 660 to 646 and while I didn't get a control point of 13% without a maxxed out card nor a better point with a max card and virtually no aggregate (maybe coming next month from a "lucky" expense hah), everyone else that has tested things over time that I've seen agrees that there's a non-trivial penalty for a card carrying a balance near it's limit. Also repeated the experiment identically at 27% aggregate and single maxxed tradeline, same score movement -14 points on Beacon 5.0 which is part of the mortgage trifecta. Also does your wife have any high limit clean tradeline cards that you could be added to as an AU?

9 bonus points from Experian (edit: better than bonus)

Woke up to a 9-point jump on my Experian FICO. No account changes, nothing dropped off. I'll take it though! Well, found out why I got some points today. A long-standing collection for an old apartment lease dropped off. It appeared a few years after I left the apartment, and the amount was ridiculous. Been fighting it/refusing to pay/offering settlements for years. It just fell off today, from Experian and Equifax. Particularly excited about it being off Equifax, because it was going to be the last big negative to fall off my reports next March. Plus, apartment management companies check Equifax mostly, and that account was causing me trouble. More about manual reviews than credit score at this point. Haven't communicated with them lately, but in the past I've communicated with the CA and sent mail to the owner at the time. It's a LLC inside a big corporate developer company, so it's hard to get to the right people. Maybe somebody finally dealt with it, maybe I'll be getting a letter from a new CA. Either way, today's a good day!

Thanks! With this development and another CO that fell off about a week ago, I'm up 27 points on EQ, with just one paid collection and one more CO that will fall off in September. I tried calling Equifax, because I had a bit of momentum with them, and tried to get them to EE the CO coming off in September. No luck--even asked for a supervisor but still no luck. I may try sending a letter. That worked out pretty well last time. Got something off 3 months in advance. It helps, i think, when someone in Atlanta deals with it-- not someone in India.

Why does flash add so many points to an imported illustrator file?

this has been a long time question, why, when you bring illustrator artwork into flash does it add so many unecessary control points to the object? something as simple as a circle with 4 happy control points in illustrator suddenly becomes a 20 control point circle when brought into flash. it has been this way forever and i know that there is no setting to change this, i just wondered why this happens cause it has always been frustrating to me. and do you think they will ever be able to make it not do this?
mark

You import the Illustrator file, not a Windows Meta File? This has happened to me with the metafiles. But I use the simplify path tools, and also, when possible draw within Flash
Emil Georgiev - Flash & Web Design

Doing a boogie dance! 41 Point Increase Experian!

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