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!!!

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OMG 100 point increase!!!!! I am going nuts.

Also I'm pretty sure it's better to wait after I try for a car to Apply then a day before lol don't want my score lowered because of inq lol

Ok I feel like I am dreaming. I really do. I wanted to buy or lease a car tomorrow. My credit was shot a year ago. Last week my scores were 640 EQ 630 TU 601 EX. I recently paid a judgement and had it deleted and disputed with all 3. I also have ONE collection on my account that is not due to fall off till next dec. Well today I log onto MYFICO and I was shocked. Just shocked. MY COLLECTION HAS DISAPPEARED OUT OF NOWHERE. MY JUDGEMENTS ARE OFF My new scores.. are you ready for this.... EQ 733 TU 734 EX 741 !!!!!!! WOWWWWWW I have only 18 months credit history ( postive ) Maybe I can actually get a good deal on a car or lease one with a tier 1?? This is crazy and it happened at the perfect time. I do not know what to do with myself. My highest limit card right now is 1500 lol Thank you so much myfico!

I want to measure above 100 points

Hello!
By Keithley 2400, I want to measure above 100 points. In my program, the poits that I can measure are only 100 points. How can I fix this problem? If you don't mind, could you modify my program?
Attachments:
ASK.vi ‏91 KB

KUB,
It seems as if this is the third time you've asked the exact same question, and you never responded to the solution that was suggested the very first time you asked it. Do you understand that the person who answered you there (lesher) attached an image that shows a suggested solution?
You should go back to that original thread, examine the proposed solution, and--staying in that thread--ask a follow-up question (click the "Reply" button) if you do not understand something. If you do ask another question, you need to be very detailed and specific about what isn't working, or people won't be able to successfully help you.
Keep in mind that LabVIEW 6.0 (a fairly old version at this point) is really going to limit the number of people who can make modifications to your code and re-save it in a format that you can use.
Regards,
John

How can I measure above 100 points?

Hello!
I am using Keithley 2400 and Labview 6.0. I have some questions.
1) In my program, I cannot measure above 100 points. The limit that I can measure is only 100 points. In order to measure 1000 point, what should I do?
2) I want to make "Sweep Voltage" by Step Voltage [start:0V, stop: 5V, step: 0.1V. I have already implemented this, but my program is not good. Could you modify my progrma?
Thank you!
Attachments:
ask.vi ‏95 KB

It looks like this was answered here.
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How can I measure above 100 point by Keithley 2400?

Hello!
I am using Keithley 2400 and Labview 6.0. I have some questions.
1) In my program, I cannot measure above 100 points. The limit that I can measure is only 100 points. In order to measure 1000 point, what should I do?
2) I want to make "Sweep Voltage" by Step Voltage [start:0V, stop: 5V, step: 0.1V. I have already implemented this, but my program is not good. Could you modify my progrma?
Thank you!

I don't have 6.0 installed anymore - I hope this image helps.
Attachments:
answer.gif ‏132 KB

100 points in 29 days!

Success!!! I came to this forum about a month ago because I was trying to purchase a home. I need down payment assistance, so the program I need requires a middle score of 640. I started this process with a middle score of 556 feeling very discouraged. After reading all of the amazing advice here, I started by paying down credit cards and moving my utilization from 96% down to under 5%. I paid all cards but one to zero and then left a $50 balance on a card with a $750 limit. I also knew it was going to take some work addressing old collections, particularly those that are currently reporting. I was struggling with 4 Portfolio accounts, discouraged that they would ever budge (and I don't think they will) when I randomly sent a GW letter to a collection I had settled 2 weeks before. It was an old cable bill that was never sent to me, so I didn't know it existed until they pulled my credit and I saw it there. I had paid it immediately. The nice gentleman there took pity on me and deleted it from my credit report this morning. My lender tells me my new middle score is now 656!!! That's a 100 point boost in just about a month and very likely a new house for me. Thank you to all who shared your secrets here. It created a great blueprint for me to follow and I could not have done it without you!

Congrats!! Inspiring! I'm in the same boat and in the process of getting FHA!! Can I ask how you got your utilization so good? I'm trying to figure that out. How do you calculate charge, interest, payment, timing to keep the $50 balance? Congrats!!!

How to export more than 100 points from waveform to excel

Hi everyone. Novice here.
I'm pretty sure other people had my problem, but I don't know how to word it... and can't find a solution for it... Maybe I just don't understand Labview enough to know what's going on.
Here's what I'm doing: I have a waveform, and I'm trying to save the data to the spreadsheet.
Problem: The cap is at 100 data plots (only what's shown on the graph). In other words, I only get data for what the graph holds at the present moment.
Want: I want more than that - EVERYTHING. If it begins from 0s to 50s, I want all the points (10ms increments, which is done already) on the excel file.
Can you guys help me? How do I get suck that history out of the graph?
I attached my labview file (a really simple one), so you guys know where I am.
Thanks guys!
Solved!
Go to Solution.
Attachments:
Save to spreadsheet.vi ‏17 KB

If you are not in a hurry, another option is to save the data as a delimited text file. This will allow you to open it in almost any analysis program, since a delimited text file is the universal file type. A delimited text file is one in which data is stored in columns, separated by delimiters, and rows, separated by lines of text. The delimiter is usually a tab character (file extension .txt), but a comma is common in some industries (file extension .csv). Note that using a comma separator can get you into trouble if using European numbering styles, which use the comma instead of the period as the decimal indicator.
LabVIEW has several VIs that make this easy for you.
If you have a single set of homogeneous data and are only writing once (NOT in a loop), then use Write to Spreadsheet File.vi. This VI formats your data into rows and columns, opens the file, writes the data, then closes the file. Since it opens and closes the file, it is not suitable for use in a loop.
If you are writing homogeneous data in a loop, use the Array to Spreadsheet String function at each iteration to format your array of data to rows and columns, then write using either of the file write primitives.
If you have inhomogeneous data, such as a timestamp and a few doubles, format the data on a line by line basis and write to disk. The attached example, SImpleLowLevelWriteSpreadsheetFile.vi shows how to do this.
If you need more speed, you can buffer your data so the blocks of data you send to disk are more optimized. This is a bit more complex, but the attached example, BufferedLowLevelWriteSpreadsheetFile.vi shows how to do it. This will usually give you at least 2X and could be 10X or more speed improvement.
Have fun!
This account is no longer active. Contact ShadesOfGray for current posts and information.
Attachments:
SimpleLowLevelWriteSpreadsheetFile.vi ‏22 KB
BufferedLowLevelWriteSpreadsheetFile.vi ‏34 KB

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,
Tom

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

100 points for pre ordering movies link is dead

http://www.bestbuy.com/site/promo/my-bby-points-offer-135920
The offer was live and the movies showed up on Saturday but the prices were changed recently and the link no longer works.

Good afternoon dariceboij, and welcome to the Best Buy forum,
The reason why that link is not working is because the 100 bonus points movie pre-orders offer was valid between 3/8/2015 - 3/14/2015, so it has expired. I do see that the offer is still listed under "My Best Buy™ Exclusive Offers" on BestBuy.com, and I have partnered with our program team to ensure a correction is made as soon as possible.
I greatly appreciate you bringing this to our attention, and while we do not currently have any other bonus point offers for movies, our Gamers Club Unlocked members (which I can see you are) can currently receive 20% off select movies. You can read more about the offer and look over the list of eligible movies by visiting the link below.
20% off select movies for Unlocked members
Thank you for posting and for being a My Best Buy™ member!
Derek|Social Media Specialist | Best Buy® Corporate
Private Message

Table AUD$ is flooded after upgrade to 11.2.0. - 100 times increase.

Our Production Oracle database is flooded audit messages. The volume of audit information generated increased 100 times! A simple select count(*) from dba_objects generates 20 entries in aud$ table. All VPD related operations are audited. Even select . from dual generates tonns of entries.
Did somebody run into this problem after upgrading to 11.2.0.2 ?
Any thoughts / suggestions would be highly appreciated.

Hello;
Last fall I updated one of our databases to 11.2.0.2 that had a link to an Oracle 10 database.
We had the exact same thing. I ended up doing a rollback.
Searching for my oracle document....
Later
Found this, but its not the one I'm still looking for
AUDIT_SYS_OPERATIONS Set To FALSE Yet Audit Files Are Generated [ID 308066.1]
The other piece of information I have is we were using Patch 9362194. (Solaris patch only)
Seemed to only happen with a link from 11.2.0.2 to Oracle 10.
ORA-07445 When Executing Procedure Over DBLink While Enabling DB Audit [ID 1361130.1]
Best Regards
mseberg
Edited by: mseberg on Dec 1, 2011 7:47 AM
You are right that is an 11.2.0.1, it was from my notes since 11.2.0.1 was giving us a different issue we tried to go to 11.2.0.2. In our case this helped find the cause, but did nothing to settle the debate of what should and should not be in the audit.
select * from DBA_PRIV_AUDIT_OPTS
union all
select * from DBA_STMT_AUDIT_OPTS;Edited by: mseberg on Dec 2, 2011 6:10 PM

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?

25 point increases with TU and EX, 6 point drop with EQ

When my new credit card reported, why?

Ex 697, TU 680, Eq now 631 after the 6 pt drop, the other scores are post 25 pt increase.
I also have SDFCU secored, 3 months old 500 limit, zero balance.
Safe FCU one month old, 5000, $70 balance. When this card reported, I received a 25 pt boost from TU and EX, and a 6 pt drop with Eq.
Mid Carolina FCU 2500, 300 balance, will have that under 10% by next billing.
I have one 30 day late, over a year old.
I also have 5 medical collections.
I am working on a pfd for those. 2 are auto accident related, so the CA said they would delete when paid, and I am paying them off tomorrow.
I paid one last week, and received an alert saying it was due to a collection being updated, showing paid.
Only one collection is showing on TU and EX.
Those are all the baddies.
I just don't get the drop from Eq when a revolving account was added.

Credit Dropped 100 points?

Hello , Recenlty I changed american express cards , meaning I closed my AMEX gold charge card to open an AMEX everyday I was approved and given a 10k limit. However after I closed my gold card I didn't see one left over charge of $60. Months went by without my knowlege of my outstanding payment , in the end AMEX closed all my accounts for failing to pay the $60 charge. I have called them and they said I would have to apply again , so I did however I was declined. Now my credit has fallen to 640 from 750 just from closing one of my credit card accounts , plus the late payments. Those are the only marks on my credit other than those I have made all payments on time and re-payed all loans given to me. Now I am trying to raise my credit score but it seems I am getting denied for all credit cards. I still have one credit card with a $600 limit on it ( my very first) , should I just start making purchases with this card and make my payments on-time ? Do you think this will restore my credit ? I was thinking about taking one of prosper loans out and just paying it back month by month to help my credit. I have a decent job , 0 debt , and my housing is provided by my employer. Thank you for taking the time to read my post.

Sorry this happened to you. First off, did you square the debt on the gold card with Amex? That is a top priority. They have a concrete memory. Didnt they try to contact you to get payment while it was 30 or 60 or 90 days late? My problems came in 2008 and 09 and I was getting lots of calls from every creditor until the COs occured. Then a short lull, and the CAs started circling overhead. Second, try getting secured cards, hopefully ones that will graduate to unsecured with good history. There are threads with lists of secured cards on the forums. If you have one card now, take care of it. You need to try for at least three, even if small, even if secured. The baddies will have less impact in time, with 24 months as a milestone. Rinse out that one card you have with purchases and payments, and pay before due dates. When you get more cards, rinse those out too. hth

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.

Huge increase over past few months on data usage.

Huge increase in data traffic, even at times when systems are in sleep mode - like at 6am in the morning. For months by usage levels varied between 10Gig and 12 Gig and I would adjust my plan as needed to prevent single Gigabyte overcharges. However, in the past 4-6 months I have had to go to 15GB then 20GB, and what we actually do internet wise has not changed any where near that much. Yesterday I had 600 meg of data transferred at about 6am when all systems were either off or in sleep mode. The usage tool on verizon is no help in identifying what is driving this other than broad categories.
Last night I turned off the MiFi device and there was no data recorded until I turned on at 8:30am then it recorded 800 megabytes only based on turning on the PC and not even using it. And the hard file light was on solid for a long long time.
I really need a tool that runs on the PC that shows what program or service is doing this much internet traffic. I have seen disk I/O using Windows Task Manager that shows a number of Chrome services actively working I/O, as well as Google sync, but there is nothing new here that I have done over the past 6 months - my usage is very consistent. And that tool does not show who is driving the MiFi load.
How can I get a handle on this? This is getting very expensive and there is no obvious answer why.

Personally, I use BitMeter OS for my PC. Any bandwidth from your computer (down/up) is logged & you can view certain days to see when it was used.
https://codebox.org.uk/pages/bitmeteros
Also, you may be able to view Mobile AND WiFi data usage (separate tabs) on your mobile devices, under Settings > Data Usage. Click the 3 dots for options.
I had the same issue, but it was due to Verizon Cloud backing up... all 12gb (mostly pictures I don't even care about!).
You may have that or another app that syncs data. It should tell you under Data Usage, though.
I disabled Verizon Cloud through the App Manager.
Hope that helps!

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

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