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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34234
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Tuesday, May 09, 2017 - 11:43 am: |
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Ntr_rocks:I dont know how it works in canada annai..
process is same but the rating anf history only counts in that specific countries
Ignorance is bliss
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Gotcha
Pilla Bewarse
Username: Gotcha
Post Number: 765
Registered: 01-2007
Posted From: 73.45.2.79
| | Posted on Tuesday, May 09, 2017 - 8:10 am: |
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Auto loan ki risk takkuva as collateral untundi, bad score ayina loans easy gane istaru for auto |
Kalikaalam
Kurra Bewarse
Username: Kalikaalam
Post Number: 2709
Registered: 04-2015
Posted From: 171.159.64.10
| | Posted on Tuesday, May 09, 2017 - 7:41 am: |
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Kalikaalam:, final score is definitely important.
Kaani, ade auto loan ki velithe(with my personal experience), naaku 690 vundi appaatlo(2004 anukonta). kaani 0% loan ichaadu Toyota vaadu. Actual gaa ayithe 720+ valla ku eligibility. kaani, nenu illu koni, vere yevariko cosign cheyydam etc valana score down ayyindi anta.."kaani, payment history bagaundi kaabatii, that's Ok" annaadu.Kaani, ade mortgage refinance ki velithe, naa score ki 'nenu phone lo promise chesina rate ki assalu nuvvu eligible kaadu" ani cheppaadu with similar score.
"The first principle is that you must not fool yourself and you are the easiest person to fool.” —Richard Feynman
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Kalikaalam
Kurra Bewarse
Username: Kalikaalam
Post Number: 2708
Registered: 04-2015
Posted From: 171.159.64.10
| | Posted on Tuesday, May 09, 2017 - 7:36 am: |
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Ntr_rocks:...Rate varies based on score...
That's what my meaning is. Example:Mortgage rate 2.99% anukondaamu.Okadiki 740 vundi.Inkokadi ki 690 vundi. Idharki equal 'debt to income ratio' vundi anukondaamu.740 vaadike ishtaaru.690 vaadini aa aa rate ki assalu consider cheyyaru kadaa?? vaadiki 4.25% or something vuntundi.so, final score is definitely important.
"The first principle is that you must not fool yourself and you are the easiest person to fool.” —Richard Feynman
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 729
Registered: 10-2007
Posted From: 184.174.168.88
| | Posted on Tuesday, May 09, 2017 - 12:10 am: |
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Kubang:
I dont know how it works in canada annai..
Pettesaa
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34222
Registered: 09-2011
Posted From: 184.151.222.168
| | Posted on Monday, May 08, 2017 - 10:33 pm: |
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Ntr_rocks:
ayithe ippudu naa credit rating waste aa ayithe
Ignorance is bliss
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 725
Registered: 10-2007
Posted From: 184.174.168.88
| | Posted on Monday, May 08, 2017 - 8:50 pm: |
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Kalikaalam:
Yes. kani, credit score run cheyyagaane thakkuva number(for example:690)vashte asslu loan ke consider cheyyadu kadaa??Kaabtii, final number vachinaaka, adi baaguntene appudu miglina details loki velathaaru. aa sense lo final number important ani naa openion.
Consider chestaru annai...Rate varies based on score...740+ entha vunna rate same vuntundi and score doesnt matter...
mari bad score (640-), bad marks vunte reject chestaru loan..
Pettesaa
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Kalikaalam
Kurra Bewarse
Username: Kalikaalam
Post Number: 2706
Registered: 04-2015
Posted From: 171.161.160.10
| | Posted on Monday, May 08, 2017 - 8:31 pm: |
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Gotcha:residential mortgage ki debt to income ratio matters
Yes. kani, credit score run cheyyagaane thakkuva number(for example:690)vashte asslu loan ke consider cheyyadu kadaa??Kaabtii, final number vachinaaka, adi baaguntene appudu miglina details loki velathaaru. aa sense lo final number important ani naa openion.
"The first principle is that you must not fool yourself and you are the easiest person to fool.” —Richard Feynman
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Gotcha
Pilla Bewarse
Username: Gotcha
Post Number: 740
Registered: 01-2007
Posted From: 172.87.56.134
| | Posted on Friday, May 05, 2017 - 4:52 pm: |
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Kalikaalam:
residential mortgage ki debt to income ratio matters. score beetasanga una appulu ekkuva unte ivadu. ade commercial ki ayite nee istam banker vadiki neeki understanting to lagincheyavachu. |
Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 78637
Registered: 03-2004
Posted From: 27.59.48.139
| | Posted on Friday, May 05, 2017 - 4:43 pm: |
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Ravanabrahma:unde untaru pessi. peddaga theledu.kakapothe seniors ee ekkuva kanapadatharu.
OK..WA group undhi maa mech batch Ku..
Ravanabrahma:
kothi ba dallas vachi ravatam thone sign chesesadu kotha illu ki
,,👍 |
Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma
Post Number: 25273
Registered: 06-2004
Posted From: 37.187.147.158
| | Posted on Friday, May 05, 2017 - 4:40 pm: |
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Prasanth:
Cool..Hope kothi baa is doing good
96-2000 batch evaraina unnaaraa aa meets lo?
unde untaru pessi. peddaga theledu.kakapothe seniors ee ekkuva kanapadatharu.
kothi ba dallas vachi ravatam thone sign chesesadu kotha illu ki  |
Kalikaalam
Kurra Bewarse
Username: Kalikaalam
Post Number: 2698
Registered: 04-2015
Posted From: 171.161.160.10
| | Posted on Friday, May 05, 2017 - 4:36 pm: |
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Ntr_rocks:Credit score kante history matters
But, mortgage ki final number ye baagaa important. Auto loans, personal loas etc ayithe, final FICO thakkuvagaa vunna, payment history bagaunte approve chasthaaru.Kanai, mortgage ki work avavdu anukonta.
"The first principle is that you must not fool yourself and you are the easiest person to fool.” —Richard Feynman
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44941
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 4:32 pm: |
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vaake fanno1 annai 
stalker@ccdb
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Fanno1
Yavvanam Kaatesina Bewarse
Username: Fanno1
Post Number: 9703
Registered: 03-2004
Posted From: 24.249.211.73
| | Posted on Friday, May 05, 2017 - 4:31 pm: |
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Naaistam:poni aa nayallu limit penchi saavochu kada
vaadu penchakapothe maname adagaali annai. online ki velli request cheyyi, lekapothe phone chesi adugu. |
Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 78633
Registered: 03-2004
Posted From: 27.59.48.139
| | Posted on Friday, May 05, 2017 - 3:47 pm: |
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Ravanabrahma:
Cool..Hope kothi baa is doing good
96-2000 batch evaraina unnaaraa aa meets lo? |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34152
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 3:41 pm: |
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Ravanabrahma:mantalu repadu janalaki jagan discussion lo
Ignorance is bliss
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Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma
Post Number: 25272
Registered: 06-2004
Posted From: 37.187.147.158
| | Posted on Friday, May 05, 2017 - 3:38 pm: |
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Prasanth:
em ledu leehe..poker, rummy, food, mandu untadi. picha paati kaburlu vestharu. ade roju maa daggara party undi. attend ayyi intiki vellaka office call. inka vellaledu 12 ayipoyindi le ani. ayina call chesi nitho vachadu ra ani ante inka vella. next day kothi ba housewarming function lo kalisa malla. |
Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 78632
Registered: 03-2004
Posted From: 27.59.48.139
| | Posted on Friday, May 05, 2017 - 3:34 pm: |
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Ravanabrahma:vrsec meet
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Gotcha
Pilla Bewarse
Username: Gotcha
Post Number: 736
Registered: 01-2007
Posted From: 172.87.56.134
| | Posted on Friday, May 05, 2017 - 3:32 pm: |
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Ntr_rocks:Annai, 20% down cheyakunda investment property ela konalo cheppaledu..
secret emi ledu company peru meeda commercial loan teesukunte all set. neeku telisina banker unte istadu easdy ga. Dallas lo konukuntanu ante chepu details ista. |
Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma
Post Number: 25270
Registered: 06-2004
Posted From: 37.187.147.158
| | Posted on Friday, May 05, 2017 - 3:30 pm: |
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Kubang:ee nitho reddy gaarini attukura DB ki. chaannallu ayindi..
monna vrsec meet lo kalisa. mantalu repadu janalaki jagan discussion lo. janalu chatrathi meeda kottina chilla penkulla chella cheduru ayipoyaru debhaki. kiki. |
Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44934
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:22 pm: |
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Ntr_rocks:
They review your account internally every 6 months...vallaki call chesinapudu make sure it is not a hard inquiry..
sure thanks annai 
stalker@ccdb
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44933
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:22 pm: |
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Kubang:ee nitho reddy gaarini attukura DB ki.
annai fone laki dorakadu ga 
manam queue lo nilabatame...edo time la aayane era ela unnav antaadu 
stalker@ccdb
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 648
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 3:21 pm: |
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Naaistam:
oh penchutaara...ayuthe adugutha
idho marketting strategy anamata mana score ki bokketti malli manalne credit penchamani request chesela scheme anamata..keka
Nuvvu payments emi miss cheyakunda, on time cheste penchutaru...
They review your account internally every 6 months...vallaki call chesinapudu make sure it is not a hard inquiry..
Pettesaa
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34150
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 3:20 pm: |
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Naaistam:nitho
ee nitho reddy gaarini attukura DB ki. chaannallu ayindi..
Ignorance is bliss
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44932
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:19 pm: |
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Kichidi:Annai.. US lo vunnava
kichidi baa avunu...nitho annai teesukochadu...
one year avvindi
stalker@ccdb
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34149
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 3:19 pm: |
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Gotcha:
we haven't taken a new cc in many years. bought car recently with cash. it's not a big thing but it was funny to see her score is almost 40 points better
Ignorance is bliss
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44931
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:19 pm: |
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Ntr_rocks:
motham kattesi adugu, penchutaru...
Every 6-7 months ki oka sari request cheyachu without hard inquiry...Discover, Citi, Amex vallu soft pull thone increase chestaru every 6 months ki..
oh penchutaara...ayuthe adugutha 
idho marketting strategy anamata mana score ki bokketti malli manalne credit penchamani request chesela scheme anamata..keka
stalker@ccdb
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 647
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 3:18 pm: |
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Gotcha:
Annai, 20% down cheyakunda investment property ela konalo cheppaledu..
Pettesaa
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Gotcha
Pilla Bewarse
Username: Gotcha
Post Number: 735
Registered: 01-2007
Posted From: 172.87.56.134
| | Posted on Friday, May 05, 2017 - 3:16 pm: |
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u might have credit hits and new accounts on ur name so ur score will come down. mee avvidaku same credit cards una kotahi emi aame peru meeda apply chesi undavu and no accounts addeded recently on her name |
Kichidi
Celebrity Bewarse
Username: Kichidi
Post Number: 31325
Registered: 02-2010
Posted From: 75.181.48.213
| | Posted on Friday, May 05, 2017 - 3:16 pm: |
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Naaistam:
Annai.. US lo vunnava 
ITALIAN MAFIASO
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 646
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 3:15 pm: |
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Naaistam:ee mukka teldu manaki annai...deenemma...
poni aa nayallu limit penchi saavochu kada
motham kattesi adugu, penchutaru...
Every 6-7 months ki oka sari request cheyachu without hard inquiry...Discover, Citi, Amex vallu soft pull thone increase chestaru every 6 months ki..
Pettesaa
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44930
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:14 pm: |
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Ntr_rocks:More than 30% credit usage aithe damaal ani padatadi score...
ee mukka teldu manaki annai...deenemma...
poni aa nayallu limit penchi saavochu kada
stalker@ccdb
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44929
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:13 pm: |
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Ferrari:
Kubang:
hmm ok.
naa limit chaana takkuva annailu but ya you guys are right 80% vaadinattu unna konnallu...and ventane katti padadobba...ayuna kosesaaadu 
stalker@ccdb
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 645
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 3:13 pm: |
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Naaistam:
More than 30% credit usage aithe damaal ani padatadi score...
10-30% good
less than 10% aithe excellent vuntadi score
Pettesaa
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34146
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 3:10 pm: |
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Naaistam:
ante general ga ekkuva geekesaav and geekina vaatini full amount kaakapoyina decent amounts (vaadi calculation lo) kattatam ledu ani anukunta. Credit card use cheseppudu full limit frequent ga vaadakoodadu if you don't want to impact the score ani ekkado chadivinattu gurthu
Ignorance is bliss
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Ferrari
Mudiripoyina Bewarse
Username: Ferrari
Post Number: 11854
Registered: 09-2010
Posted From: 204.155.22.29
| | Posted on Friday, May 05, 2017 - 3:09 pm: |
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Naaistam:
meeku 10k limit unte andulo 7-8k vaadesaavu anuko appudu score daam ani paduddi..malli full kattina ventane back to normal..usually 30% of the credit limit ne use cheyyaali if u want ur credit score to be good
Nandamuri Taraka Rama Rao - Sachin Ramesh Tendulkar
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Naaistam
Celebrity Bewarse
Username: Naaistam
Post Number: 44928
Registered: 07-2005
Posted From: 208.78.142.232
| | Posted on Friday, May 05, 2017 - 3:06 pm: |
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ee edava reason cheppi last month 37points kosedu credit score
eti asalu adi?
% OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON REVOLVING ACCOUNTS
Balances on your revolving account(s) are evaluated in relation to your available credit. Credit usage is one of the most important factors to your FICO® Credit Score. People with high balances as a proportion to credit limits generally pose a greater risk to lenders.
stalker@ccdb
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34142
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 3:05 pm: |
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Ntr_rocks:
ikkada motham joint accounts thammudu. she only has one cc on her name that too for a very small amount.
Ignorance is bliss
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 636
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 2:53 pm: |
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Kubang:
naakante maa HD ki score ekkuva vundi, how andi how??? she never really worked outside home other than few months in 2015.
Ok, I dont know how it works in Canada...
Credit score kante history matters
Same with me, she came 3 yrs back and only have 3 Credit cards...No auto and mortgages
I have more Credit cards, auto and mortgages...So I have more balanaces to pay whereas they dont have any balances to pay.
Obviously their credit score is better
Pettesaa
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34140
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 2:50 pm: |
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Ntr_rocks:
No
Ignorance is bliss
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Ntr_rocks
Pilla Bewarse
Username: Ntr_rocks
Post Number: 635
Registered: 10-2007
Posted From: 152.85.8.38
| | Posted on Friday, May 05, 2017 - 2:50 pm: |
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US and canada same aa credit history and score lo?
Pettesaa
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 34136
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Friday, May 05, 2017 - 2:45 pm: |
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ippude mortgage broker ni kalisa to find out the amount that I would qualify.
aadu already 5 years ago naaku mortgage ki help chesina vaade. anyway, data update chesi do I have your approval to run a credit check annadu. yes ani asalu score entha vachindi ani adiga as I have no clue.
naakante maa HD ki score ekkuva vundi, how andi how??? she never really worked outside home other than few months in 2015.
Ignorance is bliss
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