Now AT&T Universal Card offers Free FICO Score!!!

I got an email from Citi. Now they offer Free FICO® score for AT&T Universal Card. Ron.

core wrote:
Notice how the most recent month in the chart is June, but it's now practically August. Yep, that's just about how Citi's free scores work. At least they're honest. BTW didn't even know this card was still alive. This one was my very first default back in '94. Back when you could keep switching long distance companies twice a week and collect $50 cash bonus each time. Some things never change....You took the words right out of my mouth. I was thinking the same thing. That was my first credit card and it was the one I defaulted on sometime back in the mid or late 90s.

Similar Messages

PenFed Offering Free FICO?

I'm not sure if this is the right sub-forum, but I hope it's close enough. I logged in to my PenFed account and was given a notification of a new feature, viewing my FICO score! Here's a screenshot of what it looked like on the overview page: I followed the link and was shown my "FICO NextGen Score", as well as a page with some links to resources about learning how credit scores work etc. Unfortunately though I couldn't find anything on the page indicating what bureau it was from. But here's what it looked like:
Does anyone else have this? Is it perhaps common knowledge? I just noticed it today and hadn't heard of it before, so hopefully it's a new think for all members.

Irish80 wrote:
David217 wrote:
Irish80 wrote:
They've given that score for a long time now. Nothing newAh, my apologies then! I hadn't seen it before, and it had a little "new" tag on the image, so I thought it was. Sorry for the spam thread!No need to apologize and your post isn't anything close to spam. Just so you know the score that they give is a Fico Score based on Equifax. The NextGen score was developed in 2001 and almost no one uses it except PenFed. And when I say that they given that score for while, it was early 2014 when they started providing it. And it says 'new' on it because they just updated the score the other day.Thank you very much, that's helpful and appreciated.

When my 6 year old daughter plays the free games that I have downloaded for her IPAD and IPOD, I am now getting upgrade charges on these free games to my AMEX Card. WHy is this happening and how do I get my AMEX card off of the IPAD and IPOD?

When my 6 year old daughter plays the free games that I have downloaded for her IPAD and IPOD, I am now getting upgrade charges on these free games to my AMEX Card. Why is this happening and how do I get my AMEX card off of the IPAD and IPOD?

She is making in app purchases. Probably not knowing what that means to your monthly credit card bill. Use the Settings app to enable restrictions and turn on restrictions for iTunes, App Store and in app purchases, mabe some others too. The restrictions will be set with a passcode to prevent your daughter from changing them.
Settings > General > Restrictions

I used a 25 dollar gift card on my account and I spent it all and now I can't even download free apps is there a way to fix this?

I used a 25 dollar gift card on my account and I spent it all and now I can't even download free apps is there a way to fix this?

Did you enter a credit card when you created your Apple ID? If you created the ID and never entered a credit card, but used a gift card from the start, you probably didn't create the account correctly. The bottom line is that you have to enter a credit card now. You don't have to use it, but I'm assuming that's why you can't download free apps. You still need to enter the credit card because you didn't creat your Apple ID the correct way for not using a credit card.
Create iTunes Store account without credit card - Support - Apple

HT3702 My nieces were playing with my phone and downloaded a ton of stuff to my credit card and now I can't get apps free apps or even remove my card I need some one to contact me

My nieces wre playing with my phone and downloaded a bunch of music and now I can't even download free apps or remove my credit card and when I go to payment options where you would remove a credit card it won't give me the option none to select to where I could remove my card
<E-mail Edited by Host>

Welcome to the Apple Community.
I have asked for your email address to be edited out. Posting your address in an open thread is a sure way to be bombarded by unwanted email, remember it will be here long after you have resolved your problem, for automated detection software to find.
If you want people to contact you, enable others to see your email address in your profile.
Apple's policy on sales of digital content is that all sales are final. If however you wish to appeal to Apple, select the content which is causing a problem and use the 'Report a problem' button in Your Purchase History

Asked Chase How I See My FICO Score With Slate Card.....

an FYI for those with Slate already. I was planning to close mine out after the BT period at 0% ends since it will have served its purpose and will go towards resetting the clock for hte offer in the future if I need it..... Thank you for contacting Chase about the free monthly FICO
Score for Slate card.
Upon review, I see that you have an option to change your
current Chase Slate account to the new Chase Slate with
Credit Score Visa Non-Signature Card.
Your account number will not change, so you won't need to
make any changes with merchants where you have automatic
bill payments set up. Please know, however, that the
benefits and terms of your account are subject to change.
If these changes occur we will let you know.
Your Annual Percentage Rate (APR) will not change.
Please review the following information before we process
your request.
- All enrolled features on account will be retained.
- Any promotional balances attached to the old account
will transfer to your new account based on terms of the
original promotion.
- If you have previously been excluded from receiving
solicitations, you will continue to be excluded going
forward.
- Your FICO Credit Score is for your educational purposes
and based on data from Experian. It may be different from
other credit scores used by Chase and other lenders in
making credit decisions. This information is available
online to active, primary cardmembers only at Chase.com
provided Experian has sufficient credit history in a
credit file for FICO to generate a score.
- If any of the terms of the account have changed, you
will receive a letter in the mail explaining the changes
and your right to reject them.
- The new product doesn't have Blink Capability. If the
change is completed, you won't be able to use the new card
for Blink transactions.
- Please note that your expiration date and signature
panel code will change. If you have automatic charges
billed to this account, you will want to inform those
merchants of the new expiration date once you receive your
new cards.
Once the account is changed and to view the most up to
date information, you can log into chase.com and access
your Chase Slate Credit Dashboard post April 2015. Your
dashboard is free. It will allow you to view your monthly
FICO score, reasons behind your score, a summary of your
credit report information and helpful tips to manage your
credit health. The information provided is based on data
from Experian.
If you wish to continue with this request, please reply
using the Secure Message Center. We're not able to process
your request unless we receive your confirmation.
We look forward to hearing from you.
If you have any further questions, please reply using the
Secure Message Center.
Sincerely,

Irish80 wrote:
Monoglot wrote:
signaturecardmember wrote:
an FYI for those with Slate already. I was planning to close mine out after the BT period at 0% ends since it will have served its purpose and will go towards resetting the clock for hte offer in the future if I need it..... Are you saying you can use the slate offer 0% offer again after you close it for a period of time...? Monoglot, this a 4 month old thread. It's very possible that the OP isn't monitoring it any longerAww thanks for pointing this out. Would you happen to know if offers reset if you app again?

Phantom restarts / crashes with Maverick. Restore Disk Utility, disk can't be repaired says "live system repair is not supported" Is there a fix yet? Or is Maverick "FREE" because Apple no longer offers free phone support?

Phantom restarts / crashes with Maverick. Under restore Disk Utility, disk can't be repaired says "live system repair is not supported" Is there a fix yet? Or is Maverick "FREE" because Apple no longer offers free phone support?

Get onto the integrated iOS + Mac OS and end support for "legacy" Mac 10.8 and earlier.
Force older hardware users like me to upgrade to new hardware which is where $$ are.
Make apps work across tablets, phone, and computer with similar (though not the "same" app, but able to read and use the same file format).
Simplify.
I don't think anyone incl. Microsoft knew Windows 8.1 was going to be a free upgrade, I didn't and read that it would be more like $30.
No OS is ready for everyone on the day it is launched. iOS 7 is now 7.04 and climbing, Mac OS tends to really not be ready until the last patch and version is out, often a year or more after it was first issued. Ship it, then plan to fix the bugs left in or that surface.
www.macperformanceguide.com is saying "No" to Maverick for now. Of course there will be no "No" on new Mac Pro 2013 6,1 when those ship (Late Jan? )

Nokia offers FREE plug-ins for some devices not supported by iSync 2.4

Nokia is now offering free plug-ins for otherwise unsupported Nokia mobile handsets in Mac OS X 10.4.9 and iSync 2.4 configurations. All support both Bluetooth and USB synchronization, and work only with Mac OS X 10.4.9 and iSync 2.4, bundled with it. The plug-ins listed below can be downloaded from Nokia here:
http://www.nokia.com/A4299040
Supported models include the…
• E50
• E60
• E61i
• E65
• E70
• N76
• N93i
• N95

That's a good point, and I should have taken the time to point that out.
It's not particularly important that Nokia has chosen to offer free plug-ins for a limited number of their mobile handsets not presently supported by iSync. The really important thing here is that a manufacturer has actually chosen to support the technology at all!
I do support a vibrant developer community, and think that Nova Media and others who have taken the time to create plug-ins and, who continue to support them, deserve to be compensated for their efforts. It worth noting that Nova Media was out front with support for Nokia mobile handsets about a year before Nokia itself chose to offer support. And, as Jan points out, they continue to support units that Nokia itself does not.

Apple Offer Free Bumper

Hi all
Steve Job offers FREE BUMPER($1.00 cost for them)/$30.00 cost for us, now for free.
I call them today, they say come back to website sometime next week to file out FORM, then they will ship out free bumper. For whom who already buy a bumper will get their refund and have to fill the form too.
Anyway, it's CHEAP SOLUTION:))

If you're not happy with what Apple is offering Hopsing, you can always return your phone within 30 days.

Is it permissible to offer free IOS apps backed by paid subscription services?

Hello,
I was wondering if it's permissible according to Apple's guidelines and standards to offer free IOS apps that interact with online services that are paid for outside of the Apple ecosystem. Apps for Netflix and Dropbox, to name a few, seem to suggest this is perfectly reasonable. I was hoping that someone could point me towards the appropriate standard or guideline that spells this out expliclty.
Thanks in advance,
Mike

I must apologize for my reply. Somehow I read that you were looking to use a 3rd party advertising platform. I don't know where that came from.
You can certainly connect to a non-Apple, paid service. What trips people up is that you can't have a link to sign up for said paid service. If users are able to sign up directly in the app, they must do it through the App Store. It is a very good idea to have a native login to said service as well. If you use WebKit then the website could display a "sign up now" button that would get your app rejected.
All of the details are in the guidelines and developer agreement. You need a developer account to see them but people have posted then all over the Internet. In the developers site, they are listed right up at the top.

Charge cards' effect on FICO

I recently got my first charge cards and am a bit confused as to how they will affect my credit. I understand that only a few types of FICO scoring factor in charge card utilization. So does that mean I should pay off most of my bill right before my statement closes so that a small balance is reported?
Or should I charge up a lot on my first statement so that my "limit" will be that high utilization from the first month and every month after that have it be a small amount so that it's a low utilization?
Any advice on how to best affect my credit would be appreciated!

Revelate wrote:
cashnocredit wrote:
I've been tracking FICO scores quite a while. TU FICO 98 and FICO EQ 8 use charge card high balances v reported balance in utilization calculations. All FICO 4 (generation used for mortgages), EX FICO 8 and TU FICO 8 scores ignore charge card balances. EX 98 is part of the mortgage trifecta, GSE's never moved to FICO Risk Model v3 from Experian which was the FICO 04 model, and it may still count under that. Much like installment utilization affects EX 98, doesn't either EQ or TU 04 out of the trifecta. I will still never have my Zync with a balance for any application I care about, leave it zero, no problem with whether it counts or not . Simple is good.Now that we get all those different scores when buying FICO reports I would test it but my h/b won't drop for at least another 12 months. It won't affect EQ 8 scores until then and probably has a similar cutoff elsewhere.

I am trying to now install a free trial of indesign because despite paying $50+ a month for this supposed service I cannot open an indesign file I've been sent and need to do work on it urgently. I have now signed in again for a free one month trial and i

i am trying to now install a free trial of indesign because despite paying $50+ a month for this supposed service I cannot open an indesign file I've been sent and need to do work on it urgently. I have now signed in again for a free one month trial and it claims to be downloading but this is not happening at all. I am on a Macbook Air and Abobe for my $600 a year membership you have totally ruined by Friday night. If there's a human being out there at Abode please respond now

Hi,
If you have already subscribed to the membership, please follow the help document below:
https://helpx.adobe.com/creative-suite/kb/trial--1-launch.html
Regards,
Sheena

I logged in to pay my bill via the app yesterday and my stored form of payment was gone. Since I wasnt at home I didnt have access to my checking account now nor a credit card. This is the first time in 14 years that my online account has had this issue a

I logged in to pay my bill via the app yesterday and my stored form of payment was gone. Since I wasnt at home I didnt have access to my checking account now nor a credit card. This is the first time in 14 years that my online account has had this issue and NO my stored card is not expired. My payment is now going to be late and i was going to get a new phone oin the Edge plan too. Am I going to get charged a late fee and does tgis affect my eligibilityafter 14 years of on time payments! And why did you wipe out my stored payment info?

Ratwurkz,
Oh my goodness! That is not what we like to hear. Were you able to log in online not through the My Verizon App? Did it show the card available in there? Is this the same card that you have used for past payments? Let's look a little closer.
RobinD_VZW
Follow us on twitter @VZWSupport

If I upgrade to Lion now will mountain lion be a free update?

If I upgrade to Lion now will mountain lion be a free update?

I really hope that Apple will do the right/ethical thing and give recent (within the 8-9 months) purchasers of macbook, macbook pros, macbook air, and people who just bought single OS copies of Lion OS-either a free copy of Mountain Lion or a huge discount price on the OS ($5.00 max ). Let's be honest here....Mountain Lion is the patched up Lion. Apple couldn't release an update large enough to fix the problems with Lion so they instead created a new OS. They know that is the truth.
As someone who just bought a macbook pro that came pre-installed with Lion (had no choice really but to accept that or completly wipe it clean and try to put on Snow Leopard, but I was hesitant to because of being warned not to try that on the pre-installed macbook pros.) I don't feel it is right that I would have to pay for another OS when I was already supposed to have a functional OS included with my recent major purchase. Let's think about it for second: when I got a powerbook g4 around 2004/05 I paid about the same price as this macbook pro i now own. With that I got the lap top, the installer OS cds (a functional OS I might add), manual, stickers, a vga adapter, s-output cord, ac adapter, ac extension cable, and phone cord. With the 2011 macbook pro I got the laptop, manual, stickers, ac adapter, ac extension cable, and cloth to wipe off my screen. I didn't get any s-video output or vga adapter, and I'm actually glad that they didn't give me any lion installer cds because that would have been a waste of optical disc. What came free in a box over 6 years ago (vga adapter display port) is now $30 extra at the apple store. Also, no s-video. So I can't hook it up to an external monitor or tv. (and no, I can't just go and buy a fake one on amazon because I have analog so i would on top of that buy a pc converter box. ) I honestly wouldn't mind buying the converter box... had I gotten a free vga display adapter with my laptop. Also let's compare a minor difference in applecare: back then I got a receipt and a box with some info and a applecare test cd that was good for diagnostic utility testing. while maybe a bit old fashioned, I still like having cds that I can use for testing problems. This time, I didn't get any info box or cds, or a receipt for that matter--well i did get an email saying I had extendedapple 3 year but I never had the chance to make a phone confirmation that proves I am in service. I feel that is a bit risky sending people home without a hard copy of your purchase. They could just claim you didn't buy it. maybe i'm just old fashioned that way. To be clear, i can't compare the actual service of applecare of present day and former because so far I haven't had enough use of it to compare it yet.
What I'm getting at is that with the money they saved on gypping me with included accessories and a function OS, surely they could afford to right the situation by giving me a free copy of the new OS Mountain Lion. I might add, that way back when I had my powerbook g4 I went into to apple's genius bar one day and was trying to get an issue fixed regarding the itunes razor phone I had just purchased (way back before iphone had just come out) the music wasn't transferring from my computer to my phone. The guy was very very nice and he said he couldn't fix the problem with the phone (the usb turned out to be damaged) and he upgraded my panther to tiger for free!
That is an example of good customer service. That is example of keeping loyal apple customers.
---also--I found something posted on another forum that I felt I just had to share that further demonstrates examples of extrodinary past customer service from Apple:
Posted: Tue Jul 27, 2004 2:35 am
I had the logic board in my iBook 800/12.1" (Nov. '02) replaced 3 times. After the 4th failure occured a couple of weeks ago, I called Apple Support and requested a replacement machine. They refused, and were fairly rude about it.
So, in a moment of desperation, I sent an email to Steve Jobs. I did not demand a replacement machine. I simply said that I was extremely displeased with the quality of my iBook and I would no longer be purchasing or advocating Apple products. I wished Mr. Jobs the best of luck in Apple's future endeavors.
Two days later, I received a call from Apple's Corporate Executive Relations team. The woman I spoke with apologized profusely for my troubles with the iBook. She explained the logic board replacement program to me in great detail, and then, without any prompting from me, asked if a new iBook G4 (as a replacement) would cause me to reconsider leaving the platform. **** yes. So, I'm typing this post on a brand new 1Ghz, 12.1" iBook G4
Needless to say, despite the trouble with the machine, and the heartburn of dealing with Apple Support - in the end I'm left feeling fairly impressed with Apple. In the end, they did the right thing, and kept a customer.
* Edit for grammar/spelling
< Email Edited By Host >

My phone blacked out, re-set it and now says my sim card is not installed! Help!

What do I do if my phone blacked out, then re-set it, but now says my sim card is not installed!

Honestly it sounds like you purchased a no-contract phone and not an unlocked phone.
Without the receipt it is impossible to say what was really purchased. Contact Apple to get a copy of the receipt. If you did infact purchase an unlocked iPhone, then they will resolve it.
What model iPhone do you actually have? Paying $700 for and iPhone 4 would have meant it was purchased approximately 2yrs ago. Also, there is no 35gb model.
If it is the iPhone 5, the unlocked version was not available at launch but rather released (online only) on November 30th. Later it was available in store.

Now AT&T Universal Card offers Free FICO Score!!!

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