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Credit connector

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Financial literacy, How to repair your own credit

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80 contributions to Credit connector
The three major credit bureaus 👈
In the United States, there are three major credit bureaus: Equifax, Experian, and TransUnion. Each bureau has its own way of scoring, which can be a bit confusing but is important to manage correctly. Here's a brief history of each bureau: 1. Equifax: It is the oldest of the three and was started in 1899 in Atlanta, Georgia. Initially, it provided credit reports to businesses. 2. Experian: It began in California and went through several mergers. Initially known as CCN Systems, it later became Experian in 1992. 3. TransUnion: Founded in 1968, TransUnion initially served the transportation industry. Over time, it expanded its services to include general consumer credit reporting. While all three bureaus consider similar factors like credit utilization and payment history, they weigh these factors differently. This can lead to variations in your credit scores across the bureaus. It is important to care about these differences because overlooking them can have real consequences. For example, if you never check your Experian report and it contains an error that drops your score by 50 points, a lender who checks only this score might offer you high interest rates or even deny you a loan. So, it's crucial to stay on top of your credit reports from all three bureaus.
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New comment 1d ago
3 likes • 4d
@Winston Sam Thank you
0 likes • 1d
@Gabriel Garcia Welcome
Reglas de Chase 🚀
- Moneda nativa: Puntos Ultimate Rewards (UR Points) - Mejores casos de uso: ¡Hoteles Hyatt! Solo ellos y BILT pueden hacerlo. REGLA 2/30 - Chase solo te dará 2 tarjetas personales en un período de 30 días, o 1 tarjeta de NEGOCIOS en el mismo período de 30 días. - Como máximo, podrías obtener 1 tarjeta de negocios + 1 tarjeta personal en ese período de 30 días. - No puedes intentar obtener 2 tarjetas personales + 1 de negocios, te lo negarán. - Se recomienda esperar 90 días entre las solicitudes de tarjetas de Chase. REGLA NOTORIA 5/24 - Se te negará cualquier tarjeta de Chase si tienes 5 o más cuentas personales rotativas en un período de 24 meses. - Sin embargo, la regla 5/24 puede ser más flexible en tarjetas co-marca como Amazon, United y las tarjetas de Southwest. REGLA DE UNA TARJETA SAPPHIRE - No puedes tener más de 1 tarjeta Sapphire al mismo tiempo. - Deberías cambiar tu tarjeta Sapphire ACTUAL por una tarjeta Freedom para poder solicitar nuevamente. REGLA DE 48 MESES - Si has recibido un bono de bienvenida de una tarjeta Sapphire en los últimos 48 meses, no eres elegible para una nueva tarjeta Sapphire. REGLA DE 24 MESES - Este es el período de "enfriamiento" para las ofertas de bonificación de registro de las tarjetas Freedom de Chase. APROBACIONES - Chase igualará bonos de registro más altos si les informas dentro de los 90 días posteriores a la solicitud. - Chase acelerará la aprobación de tus tarjetas con envío gratuito de 1 a 2 días, solo tienes que pedirlo. - Hay un límite mínimo de crédito de $500 en todas las tarjetas de Chase. REEMBOLSO DE LA TARIFA ANUAL EN EL SEGUNDO AÑO SI SE CANCELA O CAMBIA - En las tarjetas con tarifas anuales, si te cobran la tarifa anual y olvidaste cancelar la tarjeta, generalmente puedes obtener un reembolso si estás dentro de los primeros 30 días del nuevo año de facturación. - Chase puede ofrecerte una oferta de retención para intentar mantenerte como cliente. ¿PUEDO TENER MÚLTIPLES TARJETAS IGUALES?
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Chase rules 🚀🚀
- Native Currency: UR Points (Ultimate Rewards Points) - Best Use Cases: Hyatt Hotels! Only one besides BILT that can do it. 2/30 RULE - Chase will only give you 2 personal cards in a 30-day period, or 1 BUSINESS card in the same 30-day period. - At most, you could get 1 business card + 1 personal card in that 30-day period. - You cannot try to do 2 personal + 1 biz, you will get denied. - It is recommended to wait 90 days between Chase card applications. NOTORIOUS... 5/24 RULE - You will get denied for any Chase cards if you have 5 or more personal revolving accounts in a 24-month period. - However, the 5/24 rule may be relaxed on cobranded cards like Amazon, United, and Southwest cards. ONE SAPPHIRE RULE - You cannot hold more than 1 Sapphire card at a time. - You would need to downgrade your CURRENT Sapphire card to a Freedom card in order to apply again. 48 MONTH RULE - If you've earned a welcome bonus from a Sapphire card in the past 48 months, you are ineligible for a new Sapphire card. 24 MONTH RULE - This is the sign-up bonus offer "cooldown period" for any Chase Freedom cards. APPROVALS - Chase will match higher sign-up bonuses if you notify them within 90 days of applying. - Chase will expedite your card approvals with 1-2 day shipping for free, just ask them. - There's a minimum credit limit of $500 on all Chase cards. ANNUAL FEES REFUNDED ON YEAR 2 IF YOU DOWNGRADE/CANCEL - On cards with annual fees, if your annual fee posts and you accidentally forgot to cancel the card, you can usually get it refunded as long as you're within the first 30 days of the new billing year. - Chase may offer a retention offer to try to keep you as a customer. CAN YOU HOLD MULTIPLE OF THE SAME CARDS? - You can technically hold multiple Freedom cards of the same exact type. - However, you cannot simply apply for the same card multiple times. It must be achieved via downgrade. MULTIPLE EIN RULE - You can have multiple lineups of the same credit cards as long as they are separated by different entities.
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Bienvenidos a la comunidad!
Hola mi gente! Si eres nuevo en la comunidad skool, por favor deja tu nombre, de dónde eres, y el tema por el cual estás aquí!
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New comment 3d ago
2 likes • 5d
@Carlos Gonzalez ya estableciste una cuenta comercial con algún banco? Y cuáles son las cuatro tarjetas que tienes?
1 like • 3d
@Carlos Gonzalez estás estructurado bien lo único que veo que tienes que bajar las investigaciones de crédito no más de dos por buró de crédito
Welcome to the credit connector community!
Hi everyone! If you're new to the skool community, please leave your name, where you're from, and what specific topic you're here for!
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New comment 1d ago
3 likes • 5d
@Karla Ramos Thank you
1 like • 3d
@Beth Sturdivant Thank you
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Jackie Lavielle
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@jacqueline-lavielle-8486
Hi, my name is Jackie I live in Miami. I am very excited to see where this mentorship takes me.

Active 8h ago
Joined Jan 5, 2024
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