Never mind.

I went back to look, and realized you were not the OP.

Bob

"Joshua Putnam" <josh@phred.org> wrote in message
news:MPG.1f957f0254e65bc59896c9@news.zhonka.net...
In article <TcydnaPp54uWVbbYnZ2dnUVZ_oednZ2d@comcast.com>,
bobby_wang@hotmail.com says...


There's more to a score than the number of inquiries.

For someone who does not have many credit accounts open, a brand new
card can significantly reduce the average *length* of accounts as well.
(To give an oversimplified example: you previously had two accounts, one
open four years, one open five years. Average length of accounts, 54
months. Open a brand new card, average length of the three accounts
together is now only 36 months.)

--
josh@phred.org is Joshua Putnam
<http://www.phred.org/~josh/>
Braze your own bicycle frames. See
<http://www.phred.org/~josh/build/build.html>

"Bob Ward" <bobward@email.com> wrote in message
news:12hni2p8q7l5ckbtgccqbh8kcg0ftqnr2l@4ax.com...


I think the relevant term here is "I logged on to my online Bank of America
Account today."
He's an existing customer. Whether he was an existing CC customer or some
other kind of customer is not known.
And I guess we'll never know, because it looks like the OP never responded
to this thread again.

Another option is this: https://www.annualcreditreport.com/cra/index.jsp
This is the site that resulted from a federal law that allows you to get a
free credit report every year. You do not have to sign up for anything else
to get your report. You don't have to sign up for a limited-time free trial,
after which you will be charged, etc etc.
It is absolutely free and you get free reports from the three major
credit-reporting agencies.
However.....

1) This will not give you a credit score. You can sign up to pay extra to
get a credit score, but it is not free. But at least the free reports will
show you the inquiries made about you.

2) As you go through the process with each of the agencies, they will try to
get you to sign up for services that cost you money. All you have to
remember, though, is to not sign up for anything that costs you money
(unless you want to). At the end of the process, you will still be able to
get your FREE credit reports.

Just remember, it's free. I've been through the process twice and managed to
get reports from all three bureaus for NO COST. (I did pay an extra few
bucks once to see a credit score, but that was my option).




"Bob Wang" <bobby_wang@hotmail.com> wrote in message
news:dq6dnWGnLIwid7bYnZ2dnUVZ_q-dnZ2d@comcast.com...

On Tue, 10 Oct 2006 22:48:19 -0500, "DP" <nospamxx@xyzddd.com> wrote:

You certainly win the creative snipping award for your efforts, but
you are STILL misrepresenting the original post, which was as follows:

\
:I logged on to my online Bank of America Account today and discovered I
:had a Power Rewards Visa Acct today. I didn't apply for one and didn't
:ask for one. It showed a credit limit of $7500. This tells me my credit
:report has a new entry in it showing I applied for such credit. This
:upsets me! BofA should mess around with its customer credit report. It
:shouldn't create unwanted accounts for its customers.

Note the words "discovered I had a Power Rewards Visa Acct today. I
didn't apply for one and didn't :ask for one. It showed a credit limit
of $7500. This tells me my credit report has a new entry in it showing
I applied for such credit."

"Bob Ward" <bobward@email.com> wrote in message
news:advoi25jqb6rgunod5judv09ievkl2nq9o@4ax.com...

Yes, you are correct, I misremembered the OP.
I thought that since he said he was an existing BofA customer, I assumed he
already had a credit card with them. He might, but nothing in the OP says
that.
Where I live, there are no BofA banks that I know of.
To me, the company is more of a credit card company than a bank because I
don't know of any walk-in branches here with tellers etc (New Orleans-area).
We have Chase banks and even Capital One banks (they bought a regional
banking firm here), but no BofA banks. Hence my incorrect assumptions
regarding the OP.

In article <42_Wg.22587$vi3.10671@bignews3.bellsouth.net>, "DP"
<nospamxx@xyzddd.com> wrote:


If this is the same site I'm thinking about I didn't have to "go through
the process with each of the agencies," however I've only done it once and
right after the program was first started. I just downloaded a form on that
site, filled it out, and put it on top of the refrigerator until 6 months
had passed and my area of the country was eligible for the three free
credit reports (which all eventually arrived).

"Dennis M" <dennmac@dennmac.net> wrote in message
news:dennmac-ya02408000R1210060227540001@NNTP.InfoAve.Net...

I think it has improved some since then. You don't have to download a form;
you just do it all online. Your report shows up online and you can print it
out. Nothing needs to be mailed out and nothing is returned to you by mail.
Some of the agencies (but I don't think all three) give you the option of
returning to that site to view the same report in the next 30 days for free.
The report is in effect frozen for viewing. For example, if you go back to
look at the report 29 days later, it won't show any intervening activity.
And you don't have to do all three agencies when you look for reports. You
can pick one or two.
When you finish with one agency, it kicks you back to the home page where
you can choose to go to another of the three agencies.

It's a shame that there are other sites out there with similar names that
are not really free at all. What they do is offer a free credit report if
you sign up with their credit-monitoring service. For example there is one
out there (and I'm writing this name so that it does NOT show up as a link)
called freecreditreport(--dot--)com. I'm pretty sure that's one of the sites
that is not actually free at all.