If you want more Hotel nights, go for the Chase 70k Marriott Premier. Note that some of the highly touted cards, such as Chase Freedom or CSP, are NOT on the plan, and this is by design. UR points are great, but redeeming them for IHG, Hilton, or Marriott aren't necessarily the best value. The CSP's 49k sign-up total is not as strong as the 50k offers for US, AA, or WN for domestic flights, unless you want to do BA Avios redemptions. The UR points are great when you are interested in Hyatt, or maybe redeem for Korean Airlines premium flights to Asia. Note that the plan calls for a new card every 2-3 months, plenty of time to meet your minimum spend. You never have to do MS to try to meet the minimum spend. This plan also gives you flexibility to change. For example, if the Chase Freedom pops up with the $200 offer again, or that the Chase UA card comes back with the 50k offer, you can jump without worrying about too many hard pulls in the last 3 months. Just note that if you add a card into the mix, delay the rest of the plan appropriately so you keep the HPs and spacing in place.
How to pull a credit report online
Using a referral will help community members to earn more points. Day 1 - Apply for the Barclays US Airways MasterCard, with 50k miles after the first purchase and paying $89 in AF. Ignoring the other benefits of the card, this one single application will get you 2 RT tickets in the US. Barclays will also give you free FICO score about every 60 days or so, useful to keep track you score on a continual basis. Day 2 through 60 - put your everyday spend on the Barclays card. Pay off your statement balance each month. You should never pay less than the full statement balance. If you can't pay the full statement balance for whatever reason, stop. You aren't ready for this hobby. Also, if you find yourself spending MORE money each month for MORE points, stop. Day 61 - Apply for the Chase IHG card, with the 70k IHG points. Why this card? If has a small minimum spend of $1000, and there are low cost Holiday Inn and Holiday Inn Express almost everywhere. This card alone will get you 3 nights in a mid level hotel, 4 if you can get the 80k offer.
All three agencies now allow disputes to be reported online (Experian is strictly online), but it still may be best to go the written-letter route to include all information necessary to support your claim. (If you choose snail mail, be sure to send by certified mail and with delivery confirmation so you can establish a paper trail. ) When writing your letter, include the items you are disputing, the facts surrounding why you believe this information to be inaccurate, and a clear removal request. Make sure to also include copies of all items that support your claim. Details and specific information are key. Once the credit-reporting agency has received your claim, you should receive a response within about 45 days stating whether your claim has been substantiated and the information changed, or if it hasn't been proven and will remain the same. If the latter occurs, you have the option of filing a complaint with the Consumer Financial Protection Bureau (CFPB), at which point the credit agency must provide a response to both you and the CFPB.
If you want to begin to offset other travel expenses, the Barclays Arrival Plus would be a good choice. If you want more Hotel nights, go for the Chase 70k Marriott Premier. Note that some of the highly touted cards, such as Chase Freedom or CSP, are NOT on the plan, and this is by design. UR points are great, but redeeming them for IHG, Hilton, or Marriott aren't necessarily the best value. The CSP's 49k sign-up total is not as strong as the 50k offers for AA, BA, or WN for domestic flights. The UR points are great when you are interested in Hyatt, or maybe redeem for Korean Airlines premium flights to Asia. Note that the plan calls for a new card every 2-3 months, plenty of time to meet your minimum spend. You never have to do MS to try to meet the minimum spend. This plan also gives you flexibility to change. For example, if the Chase Freedom pops up with the $200 offer again, or that the Chase UA card comes back with the 50k offer, you can jump without worrying about too many hard pulls in the last 3 months.
My mother lives in the US and as far as I can tell has no source of income. I have a SSN as a dual citizen and I thought I'd quickly check my credit under that number to make sure she isn't using and abusing it 'because I'll never need it or know". Problem is, it's asking me for my current US address, and previous address. I haven't lived in the US since I was four years old. I have no way of filling out those sections, and they're mandatory. Is there a work around this, or should I just let it go? The odds of me ever living in the US are very slim, but I'd rather not have a bunch of debt accrued under my name if I can do something simple to avoid it.
When applying for cards, always try to see if there are referrals or better deals on this sub. Using a referral will help community members to earn more points. Day 1 - Apply for the Citi AA Platinum with 50k miles after $3000 spend. Ignoring the other benefits of the card, this one single application will get you 2 RT tickets in the US. Citi will also give you free FICO score about every 60 days or so, useful to keep track you score on a continual basis. Day 2 through 60 - put your everyday spend on the Citi card. Pay off your statement balance each month. You should never pay less than the full statement balance. If you can't pay the full statement balance for whatever reason, stop. You aren't ready for this hobby. Also, if you find yourself spending MORE money each month for MORE points, stop. Day 61 - Apply for the Chase IHG card, with the 70k IHG points. Why this card? If has a small minimum spend of $1000, and there are low cost Holiday Inn and Holiday Inn Express almost everywhere.
Here are some examples of when hard inquiries apply: Mortgage or auto loan application Credit line increase request Credit card application Your credit score isn't lowered for each individual home or auto loan query if you're shopping around for the best terms, according to the TransUnion website. Instead, these types of inquiries are lumped together by the credit scoring formula if they're all made within a short time frame — typically 45 days. How Inquiries Affect Your Credit Score FICO is the most commonly used credit score. Both soft and hard credit inquiries stay on your credit reports for two years, but soft inquiries are harmless and hard inquiries only impact your FICO credit score for the first year. FICO considers these factors to determine how hard inquiries affect your credit score: Number of recent inquiries Age and number of recent accounts Time since recent account openings and type of account How much time has passed since hard inquiries Hard inquiries can cause your credit score to drop up to five points for each instance.
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"The status is 'settled. ' And it's just as negative as a foreclosure. " Be sure to negotiate so that the lender doesn't report the difference between your mortgage and what you repaid as "balance owed" on your credit report, says John Ulzheimer, a nationally known expert in credit reporting and scoring and identity theft. Your credit score will take a heavy hit, but this action will soften the blow, he says. Sweet's advice is not to discount a short sale as a solution, but to go into it prepared to deal with the consequences. "It may be the right decision to get out of the house, " she says. "(A short sale is) better than a foreclosure in terms of the economy … and moving on with your life. Just don't expect to walk away with no impact to your credit history. " 3. Someone else's debt When you co-sign a credit card or a loan, the entire debt goes on your credit report. So, as far as lenders are concerned, you're carrying that debt yourself, and it will be included in your debt load when you apply for a mortgage, credit card or any other form of credit, Ulzheimer says.
It's smart to check your credit score before applying for a mortgage for your dream home or financing that shiny new car, but does checking your credit score lower it? Will trying to do your due diligence hurt your chance of getting a loan? Checking your credit score doesn't affect it, nor does personally checking your credit report. "This widespread credit misconception fools a lot of people, but viewing your own report and score is counted as a soft inquiry and doesn't change the score one way or another, " said Julie Pukas, head of U. S. bankcard and merchant Services at TD Bank in New Jersey. Your score can, however, take a hit with other types of credit inquiries. Here's what you need to know about what does — and doesn't — lower your credit score. Hard Inquiry vs. Soft Inquiry When you or a company checks your credit report, it's considered a soft inquiry, which never affects your credit score. Soft inquiries are initiated for these reasons: To qualify you for promotional offers To ensure your credit history is still good if you're an account holder To screen you during the hiring process Related: How Your Monthly Credit Card Minimum Payment Affects Your Credit Score Lenders initiate hard inquiries when they're considering granting a loan or opening an account for you.