A Different Credit Check Question
Dec 2nd 2004, 5:46 pm
#1
You Are All Diseased
Thread Starter
Joined: Feb 2004
Location: Farnham, UK
Posts: 4,511
A Different Credit Check Question
I opened a bank account with Wachovia over two years ago before I had my SSN. All I had to do was show my passport and they opended it.
I'm going into town in a sec to give them my SSN now that I have it.
Will the two years of banking activity go towards my number or will it start from when I add it to the account?
I'm going into town in a sec to give them my SSN now that I have it.
Will the two years of banking activity go towards my number or will it start from when I add it to the account?
Dec 2nd 2004, 5:52 pm
#2
Septicity
Joined: May 2004
Posts: 23,762
Re: A Different Credit Check Question
Originally Posted by rincewind
I opened a bank account with Wachovia over two years ago before I had my SSN. All I had to do was show my passport and they opended it.
I'm going into town in a sec to give them my SSN now that I have it.
Will the two years of banking activity go towards my number or will it start from when I add it to the account?
I'm going into town in a sec to give them my SSN now that I have it.
Will the two years of banking activity go towards my number or will it start from when I add it to the account?
You'll need credit card, line of credit, car loan or mortgage to get on the cart.
Dec 2nd 2004, 6:01 pm
#3
You Are All Diseased
Thread Starter
Joined: Feb 2004
Location: Farnham, UK
Posts: 4,511
Re: A Different Credit Check Question
Originally Posted by fatbrit
Checking accounts and/or savings accounts count diiddly squat at the credit bureaux or FICO, although they may give kudos at the particular bank.
You'll need credit card, line of credit, car loan or mortgage to get on the cart.
You'll need credit card, line of credit, car loan or mortgage to get on the cart.
Guess I won't bother going to town and waiting in line for nothing then
Dec 2nd 2004, 6:04 pm
#4
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: A Different Credit Check Question
Shame that ain't it....
Dec 2nd 2004, 6:10 pm
#5
You Are All Diseased
Thread Starter
Joined: Feb 2004
Location: Farnham, UK
Posts: 4,511
Re: A Different Credit Check Question
Originally Posted by Bob
Shame that ain't it....
Dec 2nd 2004, 6:16 pm
#6
Not living a 9 to 5 life
Joined: Jun 2002
Location: North Carolina
Posts: 11,061
Re: A Different Credit Check Question
Originally Posted by rincewind
Fuggit!!
NC Penguin
Dec 2nd 2004, 6:25 pm
#7
You Are All Diseased
Thread Starter
Joined: Feb 2004
Location: Farnham, UK
Posts: 4,511
Re: A Different Credit Check Question
Originally Posted by NC Penguin
Tempus fugit maybe?
NC Penguin
NC Penguin
Dec 2nd 2004, 6:28 pm
#8
Powder Maggot
Joined: Nov 2004
Location: Nuevo Mexico
Posts: 4,452
Re: A Different Credit Check Question
Originally Posted by fatbrit
Checking accounts and/or savings accounts count diiddly squat at the credit bureaux or FICO, although they may give kudos at the particular bank.
You'll need credit card, line of credit, car loan or mortgage to get on the cart.
You'll need credit card, line of credit, car loan or mortgage to get on the cart.
Dec 2nd 2004, 6:39 pm
#9
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: A Different Credit Check Question
Originally Posted by rincewind
An excellent X-Files episode
Dec 2nd 2004, 7:54 pm
#10
Not living a 9 to 5 life
Joined: Jun 2002
Location: North Carolina
Posts: 11,061
Re: A Different Credit Check Question
Originally Posted by Bob
Speaking off...ain't she a scary bird these days...
NC Penguin
Dec 2nd 2004, 8:31 pm
#11
Septicity
Joined: May 2004
Posts: 23,762
Re: A Different Credit Check Question
Originally Posted by rincewind
Well poo!!
Guess I won't bother going to town and waiting in line for nothing then
Guess I won't bother going to town and waiting in line for nothing then
Dec 2nd 2004, 8:38 pm
#12
Septicity
Joined: May 2004
Posts: 23,762
Re: A Different Credit Check Question
Originally Posted by AdobePinon
Probably don't count much for most things, but they are listed on your credit reports, and mortgage companies pay attention to bank account balances over the short to medium term.
Dec 2nd 2004, 8:41 pm
#13
Powder Maggot
Joined: Nov 2004
Location: Nuevo Mexico
Posts: 4,452
Re: A Different Credit Check Question
Originally Posted by fatbrit
Agree that mortgage underwriters will certainly want to look at your bank balances over time, but they are not available on your credit bureaux report -- the bureaux do not have access to this type of data. Hence, when applying for mortgage, loan officer will ask you for old bank statements.
Dec 2nd 2004, 8:46 pm
#14
You Are All Diseased
Thread Starter
Joined: Feb 2004
Location: Farnham, UK
Posts: 4,511
Re: A Different Credit Check Question
Guess it's time to ask an in-law to co-sign for me so I can get a new car. I hate all this crap. I hate asking people to co-sign, especially when they hardly know me.
Dec 2nd 2004, 9:17 pm
#15
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: A Different Credit Check Question
Originally Posted by NC Penguin
Who me?
Meant G. Anderson....scully...scary...