If there are no specific thresholds, are the dependent on something else ..read more

@SouthJamaica wrote: It is noteworthy that the judge was not evaluating the $8 rule in itself; he was ruling based on a question as to whether the CFPB is funded in a lawful manner, or in a way that violates the Constitution. That's not what Mark T. Pittman was doing.   Agree or disagree with the policy, anyone curious why the CC companies filed this in the barren, windswept Northern Disctrict of Texas?   It's because Pittman has become the goto federal judge for every out-there right-wing  and "pro-business" cause from abortion to environmental regulation. even the ultra ..read more

@SUPERSQUID wrote: I got a credit alert from Experian via email that I received a cli on my Target Red Card. 1600 - 2100 = 500 cli. Congrats!   Any other data points you can share? Like do you use it regularly? How long you've had it? Time between CLI's?   My Target Card was approved with a $900 SL, just curious if/when it may grow and how long it may take ..read more

@FicoMike0 wrote: If there are no specific thresholds, are the dependent on something else? No, aggregate revolving utilization is a major factor. The lower it is, the better. The higher it is, the worse. It's just that IMHO the changes are gradual. By "threshold" I mean a particular number at which there is a substantial gain or loss.   E.g., in aggregate installment utilization, I have found that in my profile, getting below 10% was worth 32 points in FICO 8. Now that's a threshold. 11%... nothing. 9%... gain 32 points.   IMHO there is nothing like that in the aggregate revol ..read more

You might need to be a bit careful with SoFi products and none of them is perfect. For checking, since use plaid for external transactions, I use my other banks to do an ACH pull from my SoFi checking ..read more

@Bockrocker    >>Only hoop is a direct deposit, but the $1 I divert from my paycheck works to trigger SoFi Plus.   Wow, I did not know this, very interesting, thanks for the info.   I wish just doing an ACH Transfer would trigger the SoFi Plus - I do those quite often to SoFi.  ..read more

I'm looking for the email list that I should send my Goodwill attempt to. Can anyone point me in the right direction ..read more

Actually it's a sold off account. Much worse than a 30 day delinquent.  ..read more

APPROVING BANK: NAVY FEDERAL BUREAU PULLED: TRANSUNION CREDIT SCORE: 808 SOFT PULL/HARD PULL: HP CUSTOMER STATE OF RESIDENCE: FLORIDA NEW/USED: NEW YEAR OF VEHICLE: 2024 MAKE: BMW MODEL: M2 MILEAGE: 10 FINANCE/LEASE: FINANCE PURCHASE PRICE: AMOUNT OF LOAN: 70,000 TERM CONTRACTED: 72 Months APR/LEASE RATE: 5.29 MONTHLY PAYMENT: 1140 ANNUAL INCOME: 260k DEBT TO INCOME RATIO: MISCELLANEOUS COMMENTARY: Instant approval, mailing check. Easy experience ..read more

I'd say the reasons the coding on the business side are likely more generalized, perhaps for easier spend tracking and/or accounting purposes.  ..read more