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[此贴子已经被作者于2011/8/18 16:41:26编辑过]
Another way, I am thinking that can you dispute directly with the credit report bureau? Just say two facts: 1) you did not get the mail. 2) once you get the mail, you paid it immediately.
VS may not help you since you closed their card shortly after open it, right?
I agree with you.
That's a good suggestion.
我信用卡付晚的时候很多呀，总忘，难道我的信用纪录会差一些。
我老公从来申请不到macy的卡
我有个朋友,第一次被拒掉了,结果第二次惴惴不安的申请了一下,居然拿到了
要是怕忘了,就设置一个自动转帐吧,有的银行有这个功能
Pay your bill on time will improve your credit score for sure. I paste these tips again for your convenience.
Tips for Improving Your Score
- Monitor your credit report and dispute errors. Errors in your report will usually translate into a low score.
- Pay your bills on time even if it means you can only pay the minimum amount due.
- Low balances are a positive factor in scoring models. Don't use all your available credit.
- New credit applications can detract from your score. Even an application for a department store card can lower your score. Multiple applications can have a devastating effect on your score, especially around the time you are shopping for major purchases like a car loan or mortgage.
- Old accounts (even those you haven't used for a long time) can help your score. Scoring models look at not just how to use credit today but also how long you have used credit.
- Consolidating balances or moving debt around may make for one easy payment, but this can have an adverse effect on your score. Shuffling of balances could be especially harmful to your score if you close established accounts and open new accounts to consolidate your debt.
- Ask your lender what scoring model it uses. With new scoring models like the credit bureaus' VantageScore, it is easy to get confused. A number score alone will not tell you where you stand.
- Know the going interest rates. Current rates for mortgages, car loans, and other consumer credit are published in daily newspapers or can be found online at such sites as www.bankrate.com. If you have a good credit score but are not offered a good interest rate, ask questions, negotiate, or shop elsewhere.
I was wondering if the address shown on your husband's drivers license is current.
Another way, I am thinking that can you dispute directly with the credit report bureau? Just say two facts: 1) you did not get the mail. 2) once you get the mail, you paid it immediately.
VS may not help you since you closed their card shortly after open it, right?
I agree with you.
That's a good suggestion.
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[此贴子已经被作者于2011/8/18 16:40:04编辑过]
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[此贴子已经被作者于2011/8/18 16:41:45编辑过]
现在严重怀疑我的信用分，因为从来没有查过，如果我要申请贷款买房子的话都不知道能否弄到钱
那就应该去
https://www.annualcreditreport.com/cra/index.jsp
看看自己的信用记录。
费了半天近，怎么最后要收钱看，不给
到底了
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