m******3
发帖数: 108 | 1 小弟去年8月来美读书，最近准备贷款买车，就上网查了一下三家的credit scores. 发
现Experian
和Equifax都是730+，唯独Transunion显示No score available。这是不是我的信息丢
失还是
来没时间不够长？
不知道我这种分不全的贷款能不能带到相对低一点的APR?
谢谢啦 |
|
d*****q
发帖数: 75 | 2 我在Experian 查了我的score是740。但是dealer他们说查不到的experian的score。这
个是怎么回事？dealer查的和我的不一样吗？ |
|
u****r
发帖数: 2053 | 3 【 以下文字转载自 Money 讨论区 】
发信人: ustcer (cong), 信区: Money
标 题: 这个credit score能拿到什么样的车贷
发信站: BBS 未名空间站 (Wed Jan 9 07:36:29 2013, 美东)
最近打算买新车，不知道自己的这个情况能拿到什么样的APR。
3年多点的history，
credit.com score:733
credit karma:755
credit sesame: 783 |
|
d*****n
发帖数: 365 | 4 12年10月份带朋友买车，BMW。
绿卡，7个月的Credit History，两张信用卡，一张1200,一张500；实际无工作，但是
当场编了一个。
首付40%，拿到3.79%的利率。
LZ这样的情况，根本不用担心。
不过你去之前最好把自己查的Credit Score都打印出来带着。就像大家说的，dealer查
出来的不一样的。
当时，我朋友的credit score是7XX，但是dealer查出来6XX。我们当场拿出打印的，他
们不信，然后当场上transunion官网查，结果对方无语。 |
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X***9
发帖数: 7385 | 5 正规dealer根本没有必要谎报分数，因为需要客人签credit score disclosure.
正如有些人所说，dealer的信用评分用的不是一个系统， dealer 用的是fico auto
score, 注意有个auto，和办手机，租公寓的查询系统不同。
每个车行也用不同的信用公司，有些车需要用transunion, 有些需要用equifax,你自己
查的也许是experian
但是704和740在光从分数看起来都还可以，但是银行用的是tier分层，比如说要求最低
利率的最低限是710分，那么你709也不行，除非车行和银行做了tier bump,即升了一等
级。通常车行的老客户，或是你买了什么额外的服务的话车行愿意帮你做。 |
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z*****s
发帖数: 289 | 6 从自己的银行贷款。 买车时带了money order 做为首付。
可是，dealer坚持要查我的credit score。说不让查就不给我要求的价格。
担心他们搞太多hard pull， 就没当天买。
我不从dealer 贷款为什么一定要查credit score？
dealer有什么目的么？ |
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M*4
发帖数: 2937 | 7 Lately, the minimum due for each month has been higher than bofore. So I
wonder if my credit score dropped significantly. Any way I can check that
for free? I loved the old Providian card, which has free score monitor. |
|
t**********r
发帖数: 1497 | 8 【 以下文字转载自 Money 讨论区 】
发信人: thegodfather (godfather), 信区: Money
标 题: 信用卡一直欠着一点钱，会多影响credit score？
发信站: BBS 未名空间站 (Thu Jan 22 22:47:08 2015, 美东)
大约每个月都保持欠着信用卡一点钱，大约所有信用额度加起来的20%吧，每个月新出
的开销到都按时还。这样会把credit score拉低很多么？
多谢 |
|
s*******u
发帖数: 172 | 9 got low scores on the enviroment?
that is sad...
but considering your total score...that means you did really well for other
4...
congratulations~ |
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w*********8
发帖数: 132 | 10 申请了一个NIAID的K 系列项目，Impact/Priority Score是36，没有给percentile，也
没有给Just in time link，而eRA Commons上提到：The NIH provides the JIT (Just
in Time) link in the Commons for applications receiving a percentile of
less than 30 or for applications receiving a priority score of between 100
and 300 if no percentile is provided，没有给Just in Time link是不是就说明了
percentile是大于30了吗？
这个K系列项目申请的人很少，每年只有3-6个人申请，近5年的success rate在33.3%-
50%之间，有经验的朋友帮我分析一下这个分数还有希望吗？
谢谢！ |
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y****1
发帖数: 46 | 11 今天早上8点的评审会，下午2点回家后查，Priority Score 20；这是RESUBMISSION;第
一次的Priority Score 29。希望这次的分数能够拿到钱。学校的秘书说没有问题。 |
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l********g
发帖数: 400 | 12 LZ 讲的 SCORE = Support of Competitive Research (SCORE)grant |
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j*****2
发帖数: 160 | 13 First R01 got a score of 45 (52%). Good to get a score; but not even close
to get the big money...Lots to do for the revision! |
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c********e
发帖数: 215 | 14 玄吧，多半是个grey zone score，但基本上不太可能，除非实在没有人申请，但这是
FY2015的第一个cycle，所以应该不太会fund这个score。但这个分数说明你没有特别巨
大的问题，应该是可以address的，resubmit吧。 |
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l**********g
发帖数: 281 | 15 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
一张25刀的score card。在2012年1.1-1.31之间，消费满50，才可以redeem这个score
card。也就是说凭这个卡，下次购物满50减25
单张面值:
$25x1
可接受价格(必须明码标价！):
5刀
物品新旧要求:
new
邮寄方式要求:
free code or u choose u pay
买卖双方谁承担邮寄损失(Required if not code only):
b4 delivery me, after u
付款方式说明:
non-cc paypal
其他补充说明:
广告的有效期:
till gone
物品来源(Required for All Cards!):
dp
我的联系方式:
bbs mail
Warranty期限:
能否证明是合法的一手卡?(Required for All Cards!):
yes
state and zip: |
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K****D
发帖数: 30533 | 16 Per request, Johnny2000, upward and tyning have been delisted.
Let's welcome scarface's IPO!
armor: B+
Last month the market raised about 1.3%, which continues to give armor
downgrade pressure as he/she is a famous bear.
tonys: B+
The excellent performance of HSI finally bumped tonys up a notch, as
he said on Mar 13: 港股最近会启稳，当然要看美股的情况. Last time he
had this high score was still in Oct last year.
stockdemon: B
The high oil price still hurts him. No score change this month.
badcompany: A-
He conti |
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r****m
发帖数: 1204 | 17 My scenario of YES is in a relative sense, and under the assumption if one
has outstanding credit card debt.
If you use the money to pare down the debt, certainly it will help improve
one's credit score. But I should have said otherwise, it won't make the
credit score worse. |
|
a*****e
发帖数: 121 | 18 【 以下文字转载自 Quant 讨论区 】
发信人: asquare (asquare), 信区: Quant
标 题: Credit Score 对quant多重要？
发信站: BBS 未名空间站 (Wed Nov 30 07:14:40 2011, 美东)
拿到一个pending offer. 要对我进行background check.
别的都没有不良记录，就是credit score有点低。这个很重要吗？ |
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k***t
发帖数: 276 | 19 S=max score
individual points p1,p2,...,pn
how many permutations of p1,...,pn (multiple occurences of px allowed) give
us total score S.
This is essentially based on American football, where each drive can end in
2 points (safety), 3 points (field goal), 6 points (td) or 7 points (td+fg).
Example:
S=47
p1=2,p2=4,p3=7
Answer: 226234 permutations
3,3,3,3,7,7,7,7,7,:(126 permutations)
3,3,3,3,3,3,3,3,3,3,3,7,7,:(78 permutations)
2,3,3,3,3,3,3,3,3,3,3,3,3,3,3,3,:(16 permutations)
2,2,2,2,3,3,3,3,3,3... 阅读全帖 |
|
k***t
发帖数: 276 | 20 S=max score
individual points p1,p2,...,pn
how many permutations of p1,...,pn (multiple occurences of px allowed) give
us total score S.
This is essentially based on American football, where each drive can end in
2 points (safety), 3 points (field goal), 6 points (td) or 7 points (td+fg).
Example:
S=47
p1=2,p2=4,p3=7
Answer: 226234 permutations
3,3,3,3,7,7,7,7,7,:(126 permutations)
3,3,3,3,3,3,3,3,3,3,3,7,7,:(78 permutations)
2,3,3,3,3,3,3,3,3,3,3,3,3,3,3,3,:(16 permutations)
2,2,2,2,3,3,3,3,3,3... 阅读全帖 |
|
c**********5
发帖数: 653 | 21 【 以下文字转载自 Programming 讨论区 】
发信人: creageng2005 (creageng2005 (万米）), 信区: Programming
标 题: 牛牛们，Brainbench score of 3.14
发信站: BBS 未名空间站 (Sun Oct 12 01:04:04 2014, 美东)
python, 第一次被公司面试参加coding TEST,Scored higher than 56% of previous
examinees
是不是太载面了？不过倒是拿到CERTIFICATE.
有没有希望近下一论？ |
|
S*********n
发帖数: 521 | 22 15年的看看是不是score不那么重要
信用记录上有三笔没交的医疗费，credit score低于700，咋办？
三张账单总共不到200元，但我那些日子病了，忘了交，结果被collect，我又忘了管。
现在咋办？ |
|
k***a
发帖数: 1104 | 23 credit.com 给你score range. 一月一次。 quizzle.com 给你free report and score
, 半年一次。 |
|
j**********1
发帖数: 77 | 24 打算多问几家银行的mortgage rate, 但每次他们都要查询我的credit score，这样就
会降低我的credit score.各位大侠有什么好招吗？多谢。 |
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H******7
发帖数: 34403 | 25 that is joke.
to get your free credit score, go to car dealer, and tell them you want buy
a car, they will go to check your credit score and go back to you... |
|
t**h
发帖数: 241 | 26 进入escrow了，才发现由于我们的一个信用卡公司出错（信用卡公司已经承认），导致
credit score很差。
我们的agent给我们介绍了rapid rescoring，可以在短期内快速修复credit score，只
要credit card company出具证明。有人做过吗？能介绍下吗？能推荐做这个rapid
rescoring的broker吗？万分感谢！ |
|
p*********g
发帖数: 116 | 27 开始购房准备,想先查一下credite score,请问在哪儿买credit score呢?
在网上SEARCH了一下,看了bank of america, equifax, experion,america express的
program,不知道该选哪个好.
谢了. |
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M**3
发帖数: 186 | 28 By default, AMex shows you the Experian score. Now, there are two others (
Equifax and Trans Union), which you have to pay to get the score.
You might be right. The median may be lower the one is currently shown by
Experian. I am not sure though, typically how big a difference can it be. |
|
M**3
发帖数: 186 | 29 As compared to Amex's score, what is the difference to your FICO score?
5% difference, or 10% difference??? |
|
M**3
发帖数: 186 | 30 Wow, that's pretty significant... makes me want to check fico score now.
By the way, is fico one of the following three: Experian, Equifax and Trans
Union. Or it is the median of the three?
Not sure if this is gonna be a second pull on my credit score, if I check
fico. If that is the case, I am reluctant to do that at this point. |
|
O****o
发帖数: 185 | 31 谢谢！ 除了买房，买车，这个credit score也就没啥大用了吧，如果已经买房了，这
个score是不是就不太重要了？ |
|
g*******t
发帖数: 552 | 32 大家买房贷款时的credit score一般都是多少?
这是我的credit scores,够了吗?
experian: 735
transunion: 799
equifax: 796
以上三家满分都是850左右.不知道experian为何那么低. |
|
h***b
发帖数: 1233 | 33 applying for store credit shouldn't impact your scores unless it's excessive
. also, carrying balance, specially balance/limit ratio is high (say 80-90%
) may negatively impact your FICO scores. |
|
N****E
发帖数: 1474 | 34 It only gives equifax score for free. You have to pay to get scores from
the other 2. |
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w*******e
发帖数: 285 | 35 Hi, gusy.
My credit score was a little bit under 700 because of a medical bill in the
past. I locked the re-fi rate several days ago and today my dispute
succeeded with and my score jumped to more than 760. My agent said I can not
use a new credit report unless the old one expired. Do you guys know if
there is any penalty for me to walk away now and choose another agent for re
-fi? |
|
k******o
发帖数: 3328 | 36 I have similar but opposite case.
When this client started to refinance, his FICO score is >= 740, just before
loan document out, his FICO score drop < 740 due to applying for a new
credit card, penalty was applied automatically by the lender (i.e. rebate
from lender was reduced significantly)
the
not
re |
|
p*******p
发帖数: 220 | 37 Thanks. how many point will be dropped? when the score can come back the
original score after the applying the card? |
|
M*S
发帖数: 459 | 38 我自己在myFico.com 查Fico Equifax credit score 跟 creditor 查的居然差了三十
多分。另外在myFico.com 查不到我的TransUnion 的 score. 大家碰到过这种情况吗？ |
|
M*S
发帖数: 459 | 39 我的意思是自己查的credit score和creditor 查的credit score很不一样，不知道这
里是否有人有类似的经验，也想知道这到底是怎么回事。 |
|
Z*******n
发帖数: 694 | 40 有同样经历。自己查的credit score比creditor 查的credit score 要高。 |
|
j***0
发帖数: 87 | 41 zip code: 90266
housing price: $990,000
down: $370,000
load amount: $620,000
I need 15 years fixed
拿到多少rate算deal？credit score 744 可以拿到最好rate 吗？现在credit report
上有个 collection，＄94 from T－mobile，本来credit score可以上800的 |
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m***g
发帖数: 221 | 42 发现credit score 出了问题，原因是上个月所设置的自动交款功能出错，并未能及时
付账。进而credit score直线下降！
而这几天刚看上一个房子，所以很着急啊。打了credit card公司的电话，服务态度挺
差的。
大家有这样的经验么？不知道能否买成这房子啊！时间上是不是很紧张啊？？目前正全
力处理这问题。也恳请有经验的大侠指教！谢谢啊 ！！！！！！ |
|
s******8
发帖数: 2131 | 43 买之前查的credit score是800+，待了款后被另一家银行塞了张信用卡和credit
report，发现score变成780了。最近也没干什么不还钱的事。这正常吗？
★ 发自iPhone App: ChineseWeb 7.8 |
|
E*P
发帖数: 526 | 44 lz确定credit score下降是因为late payment吗？我以前忘过几次，credit score一点
影响也没有啊。你这个下降这么厉害，是不是有identity theft,或者最近hard pull太
多了？ |
|
y******n
发帖数: 8667 | 45 Every year, you can get a free credit report. google free credit report.
From there, you cannot get the score, but you can get all the events which
may affect your credit score.
Mostly, you have one or several bills you didn't pay. |
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w**********e
发帖数: 557 | 46 Is the score on credit karma the same as or similar to the actual score? |
|
b********2
发帖数: 5191 | 47 不一定, 一般来说我们agent查的credit score比其它的机构(car dealer)查的要低.
不查credit score的算是pre-qualification, 不算pre-approval. 一般listing agent
收到offer后会打电话给出示pre-approval的loan agent, 询问pre-approval的情况.
如果要抢房子, 最好是拿一个真正的pre-approval. |
|
o*****p
发帖数: 5952 | 48 Our FICO score is the exact same as Karma at all. Normally a little bit
lower.
For 15 year, credit score is nrmally |
|
w*****w
发帖数: 884 | 49 房子打广告有一个礼拜了，有6、7个来看的，但是都是看过之后没下文了。只有一个要
要租的，但credit score只有530多，是个单身妈妈，有两个孩子，现在租房住，她说
是看中我们这的学区，想把她小孩从catholic school转到public school来。她名下有
两房，都离我们这很远，都有loan，欠着钱呢，所以credit score低，现在这两房都出
租着，她说和银行商量改还款条款，实在不行就short selling。她是有工作的。我觉
得不太踏实，但只有这么一个申请人，又有点犹豫，能不能租给她呢？ |
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p********7
发帖数: 849 | 50 一直以为自己信用记录还可以，今天发现discover card可以提供fico的score，只有
705，显示说 your FICO® Credit Score is affected by these key factors:
1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED:
Your credit report shows a derogatory public record or collection filed.
请问derogatory public record包括那些？我也没欠什么钱，credit card 都是及时还
钱的。也没接到什么collector的电话。
因为有打算买房，不知道这个会不会影响贷款呀？ |
|
