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billege · 04-20-2005, 08:46 AM

d00der, I bought a bike via a Yamaha card, 5 years ago. That sucker will FINALLY be paid off this August. Do not. Charge. A Bike. Repeat: Do not charge a motorcycle. Those bike finance plans that sound so great are freaking credit cards. THere's a reason my wife calls the bike "the money pit."

Pay cash, get a traditional auto/bike loan, or don't get the bike because you don't have the money.

jogelito, thanks for that link. It was mucho handy. Saved me from paying 15/each for this quarter's credit reports. (My wife and I run both of ours every quater.) This time, for kicks, instead of using equifax (like usual) I used TransUnion for me, and Experian for her. The FICO scales are different, that suprised me. TransUnion's goes up to 925. I thought it topped out at 850. Experian tops out at 830. The format that TransUnion uses is the most readable one I've seen out of the three. Very nice catagorization and display. It reads well, and is very usefull. I think I like Experian's report style the least. I mean, all the info is the same, but the Experian people could spend some time designing a visually attractive and useful format. That said, Equifax fits in teh middle for me. Readable, accessable, but TransUnion is better.
Notes: I typed one digit in her SSN in wrong, and TransUnion isn't having it, period. Don't make a type-o on the inital information page, or you're now finished with the online process, and can call them.
I had TransUnion reject 3 correct account numbers when I was verifying my ID. That was annoying. It initially rejected employer info. TransUnion puts up a city, then asks you to put in the name of an employer you worked for in that city. Catch was, I worked for three different companies in that city, and I'm not sure which one of them I worked for in June of 1998. I'm pretty sure I put in the right one, and the only other possible one on try #2, but it rejected both. I bet it was formatting type errors. Like, I put in "Company 1" and it wanted "Company 1 Inc." Who knows?

The account # rejections were irritating, because I have teh statements right in front of me. TransUnion wants two account numbers from the possible 4 they list. Okay, then accept what I type in from the statement. I'd bet there it's also formattting. IE: It wants "XXXXXXXXXX" and I'm typing in "XXX-XX-XXXX." Either way, there was enough error tolerance I got my report. However, it was my last attempt before lockout.

04-20-2005, 08:46 AM	#3 (permalink)
billege Watcher Location: Ohio	d00der, I bought a bike via a Yamaha card, 5 years ago. That sucker will FINALLY be paid off this August. Do not. Charge. A Bike. Repeat: Do not charge a motorcycle. Those bike finance plans that sound so great are freaking credit cards. THere's a reason my wife calls the bike "the money pit." Pay cash, get a traditional auto/bike loan, or don't get the bike because you don't have the money. jogelito, thanks for that link. It was mucho handy. Saved me from paying 15/each for this quarter's credit reports. (My wife and I run both of ours every quater.) This time, for kicks, instead of using equifax (like usual) I used TransUnion for me, and Experian for her. The FICO scales are different, that suprised me. TransUnion's goes up to 925. I thought it topped out at 850. Experian tops out at 830. The format that TransUnion uses is the most readable one I've seen out of the three. Very nice catagorization and display. It reads well, and is very usefull. I think I like Experian's report style the least. I mean, all the info is the same, but the Experian people could spend some time designing a visually attractive and useful format. That said, Equifax fits in teh middle for me. Readable, accessable, but TransUnion is better. Notes: I typed one digit in her SSN in wrong, and TransUnion isn't having it, period. Don't make a type-o on the inital information page, or you're now finished with the online process, and can call them. I had TransUnion reject 3 correct account numbers when I was verifying my ID. That was annoying. It initially rejected employer info. TransUnion puts up a city, then asks you to put in the name of an employer you worked for in that city. Catch was, I worked for three different companies in that city, and I'm not sure which one of them I worked for in June of 1998. I'm pretty sure I put in the right one, and the only other possible one on try #2, but it rejected both. I bet it was formatting type errors. Like, I put in "Company 1" and it wanted "Company 1 Inc." Who knows? The account # rejections were irritating, because I have teh statements right in front of me. TransUnion wants two account numbers from the possible 4 they list. Okay, then accept what I type in from the statement. I'd bet there it's also formattting. IE: It wants "XXXXXXXXXX" and I'm typing in "XXX-XX-XXXX." Either way, there was enough error tolerance I got my report. However, it was my last attempt before lockout. __________________ I can sum up the clash of religion in one sentence: "My Invisible Friend is better than your Invisible Friend."