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Registered: 04/22/02
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Re: Credit line mysteriously jumped [Re: Sulfurshelfsean]
    #28617809 - 01/11/24 04:25 PM (16 days, 18 hours ago)

Increasing your available credit to debt has always had a positive influence on my credit, both paying debt down and raising my ceiling.  Every time one of my cards up's me a few k or whatever I get a jump.  They look at things like your total amount of available credit, your payment history and collections, the length of time you have had a card or lines of credit, and some bureaus look at the type of lines of credit. I.e. a mortgage vs a credit card.

If you have negative things on your report, just something falling off or getting paid/disputed can be a massive increase.  Some, like Vantage scores also don't look at most types of medical debt. 

Def do what geo says and get your credit report pulled. I'd suggest even doing it at each bureau on its own.  It's a little more annoying but I've gotten far more detailed information that way.  I found out some dude has the same First, middle and ALMOST last name but lives in texas, and is a felon.  He tried to get a credit card opened at bank of america and they did a hard inquiry which is how I found out about it.  I don't even think he was TRYING to steal my identity for it.  The credit bureas had his addresses and mine intermixed on places lived, old phone numbers, etc.  I had to dispute each and every one of them to let em know I've never been to Texas, let alone lived there.

Was annoying to deal with and now I keep my credit frozen and only temp unfreeze it specifically when I'm applying for a new line of credit.


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quote]Urb said:
I know... Its fucked up... Ill fix it minyana..[/quote]


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