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Monday, November 14, 2022

Recent FICO Activity

In a recent blog post, I discussed issues I noticed with my FICO score when I applied for the Amazon Store Card.

This post provides a bit of an update in that my FICO score, as reported by Mint- as of November 9, 2022, based on the TransUnion VantageScore® breakdown, increased by 7 points to 766 from the low of 759 after the application process for the Amazon Store Card.

What happened on November 9, 2022? There was another credit inquiry from Chase Bank because on that day I applied for the Amazon Signature Visa Card. So why did it go up? I am researching all of this.

Why was I applying for credit cards, anyway?

  • Credit reporting agencies contend negative data because I did not have enough debt or credit cards. Only one Mastercard and several personal & business debit cards.
  • Rewards on existing Mastercard not as attractive as offerings from other banks.
  • Amazon Signature Visa offers rewards, not the Amazon Store Card I applied for on Oct. 6, 2022. In both cases I received Amazon Gift cards when my applications were approved for a total of $160.00.

Why do I share this type of information? I need total transparency. Odd things happen to me. Recently (Sept. 30, 2022) I received two invoices via PayPal claiming I owed $299 each for something to do with Microsoft applications. Had no idea why those invoices were sent to me.

When I tried to have Paypal correct these issues, they indicated I could just ignore them. That said, the invoices are still showing on my dashboard and I cannot seem to report I did not order any software from Microsoft.

I use PayPal for my ecommerce shop, and most other payment options. I have had some pressure to switch (not sure why since I get no hits on WiredShops), however, my business bank and other payment options are not as cost effective as PayPal at this time. I am not sure if this is why I have noticed more odd issues than normal.

Prior to that, for some reason, Facebook decided QiSoftware was no longer a legal business entity. Instagram thinks QiSoftware is a business, my banks, PayPal, etc. all consider QiSoftware a business entity. Facebook recorded QiSoftware as a business entity in 2008 when I first joined.

In June 2022, they decided QiSoftware was not a business. I can ask them to reverify, however during the time of the verification process I was getting strange calls on my business line from characters with heavy accents. It may have been one of those calls that determined I was not a legit business, however I am not sure what happened. Just not in the mood to argue about this with Facebook. After I have my banks and Maryland update my business address I will look into this again.

I should also provide, in April 2022 QiSoftware was again verified as a business on Facebook and then in June 2022 for some reason they requested a reverification. It failed. If you are a Facebook developer you may know they do this a lot with applications. Why do you need those permissions, etc? I can easily prove QiSoftware is a business entity so I was surprised they did this.

Other minor issues that seem odd. Decided at this time, I want full transparency.




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