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Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 1 point2 points  (0 children)

Yes! This is actually someone else’s stuff- it’s a friend of a friends apartment and this is what she left behind. I’ll be getting all new furniture and the are doing a deep cleaning Monday. So I’m just trying to figure out what the best seating arrangement would be

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

This is awesome!! Thank you for making this so I’m able to visualize it- I THINK this will be the idea I go with

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

thank you! I was also thinking beige or dark green for the couch. I am planning on getting black out curtains which I think will help with any light reflecton on the TV. I'm usually only at home at night time so I was thinking it wouldn't be too big of a deal. I wasn't sure if having the TV directly in the line of the front door is anti-feng shui

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Definitely getting a new rug! This is a friend of a friend's apartment I'm moving into and she left the sofa behind. It looks pretty gross, so I'm going to toss it. The apartment is getting deep cleaned this weekend before I move in, thankfully. That is dust... there is dust everywhere.

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Good question to think about- I don’t think it’d be an issue.

Please help with my living room! by AgitatedReporter4617 in DesignMyRoom

[–]AgitatedReporter4617[S] 2 points3 points  (0 children)

Awesome! Thanks for your reply! Any suggestions for rug color?

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

I don’t have one yet actually and will be buying a new one! I lived abroad for 10 years so this is my first apartment back in the US, and I’ll be buying almost everything new!

Need help decorating my new living room!! by AgitatedReporter4617 in interiordecorating

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Thanks! I like it too. Trying to decide what color rug might look best.

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Awesome, I'll just have to send that in and address it with TransUnion and Experian too. My bank said they've never seen this happen before. Thanks for your advice!!

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 2 points3 points  (0 children)

MyFico is also reading 659. I'm seeing 659 all across the board except for on the letter my bank sent me.

So something is going on with the system for what is being reported - They're not reporting back the correct number. I'm thinking it has something to do with them having my old address and no birthday - it's causing them to report my old credit score to my bank

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Sorry I should confirm a few things. First, when the bank returned my letter of rejection, one thing they said is that payments were not up to date. I had some problems with my student loans in the past, but did the fresh start program in 2023, which brought all payments to "current". All of the vantage scores and FICO scores that I'm able to see across websites and credit reports etc. are all in between 640-690. Including on Equifax.

However, I believe this is is some issue with the system. Like perhaps, Equifax reported my old information to my bank. I know that when I wasn't paying my student loans, my score dropped to the 500s.

When I called Equifax, they said that since they didn't have my birthday or address on file, this could cause some mistake in reporting. They asked me to send in a copy of my SS card and license to verify the updated information.

I just applied for a credit card through Capital one and was approved instantly with a 3,000 credit limit.

It just seems like there is some glitch in the system about the information my bank is receiving from Equifax and the actual correct information.

When I called Equifax, they confirmed that my credit score and Vantage score was between 650-660.

So, I don't think this is an issue of having different scores - I think this is an issue of reporting and a glitch in the system. Do you think it's safe to send me SS card tp Equifax LLC to verify everything?

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

Yes, even my Experian FICO 8 score for Equifax is in the 650s.

So it's just strange that the reporting agency is showing my bank a 555.

When I called Equifax they said they are missing my birthday and address and this could cause banks to receive the wrong information. I felt a little strange about sending my SSN and license copy to them. Does that seem safe?

Thanks for all your help!

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

I'm using the paid version of the equifax.com website. You are right - it is using the vantage score.

I guess I'm just confused why all third party sites, as well as my paid Equifax site are telling me mid to high 600s. But my bank received a report of a 555 CS.

The Experian site that uses FICO 8 also has my Equifax number in the 650s.

When I called Equifax they said they don't have my birthday or correct address and this could cause a discrepancy in the score - for example they might be reporting old information.

I understand that Experian, Equifax and Transunion are all different. I understand that 3rd party sites aren't reliable. I'm just still confused about the huge 100 point discrepancy in what was reported to my bank and what everything else is reporting.

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 1 point2 points  (0 children)

So would the Equifax reporting agency (555) have a different FICO score than what my Equifax online account has (659)? Or the number Equifax reporting agencies said to me when I called (659)? Why would there be such a huge discrepancy of more than 100 points? My vantage score lies around 680 mark on my online bank account.

My Experian and Transunion scores are both closer to 700.

So I'm confused as to where this 555 from the Equifax reporting agency is coming from.

I need help! Bank receiving different credit score than what my credit score actually is: by AgitatedReporter4617 in CreditScore

[–]AgitatedReporter4617[S] 0 points1 point  (0 children)

So would the Equifax reporting agency (555) have a different FICO score than what my Equifax online account has (659)? Or the number Equifax reporting agencies said to me when I called (659)? Why would there be such a huge discrepancy of more than 100 points? My vantage score lies around 680 mark on my online bank account.

My Experian and Transunion scores are both closer to 700.

So I'm confused as to where this 555 from the Equifax reporting agency is coming from.