72 replies to this topic

[800SomeDay]

Ouch.

(glad I have my EX frozen...)

Double Ouch! Write that letter George!

And Sticky....glad I have my EX frozen too! It enables me to avoid these issues!

Best thing I did was freeze my EX.
Down to 3 inq all older than 18 months.

DO THEY JUST SAY DENIED

or DO THEY SAY YOU MUST UN-FREEZE IT

or DO THEY GO TO TU or EQ?????????

Nobody yet has had the experience of just being
denied!!!! Some have had the experience of pulling
a different CR and being approved. Most times they
send a request asking you to un-freeze.

JOIN THE CLUB GEORGE
both Colorado and California allow it!

SHOW ME THE WAY MASTER.............

LOL

I'm going to save that one!

Experian Security Freeze
P. O. Box 9554
Allen, TX 75013

Send by certified mail.

Include full name, with middle initial and Jr./Sr., etc.

Include current address and home addresses for past five years, Social Security number, birth date, and two proofs of residence (copy of driver license, utility bill, insurance statement, bank statement).

Pay by check, money order or credit card. Give name of credit card, account number and expiration date.

Quoted from:

http://www.privacy.c...urityfreeze.htm

[GEORGE]

Ouch.

(glad I have my EX frozen...)

Double Ouch! Write that letter George!

And Sticky....glad I have my EX frozen too! It enables me to avoid these issues!

Best thing I did was freeze my EX.
Down to 3 inq all older than 18 months.

DO THEY JUST SAY DENIED

or DO THEY SAY YOU MUST UN-FREEZE IT

or DO THEY GO TO TU or EQ?????????

Nobody yet has had the experience of just being
denied!!!! Some have had the experience of pulling
a different CR and being approved. Most times they
send a request asking you to un-freeze.

JOIN THE CLUB GEORGE
both Colorado and California allow it!

SHOW ME THE WAY MASTER.............

LOL

I'm going to save that one!

Experian Security Freeze
P. O. Box 9554
Allen, TX 75013

Send by certified mail.

Include full name, with middle initial and Jr./Sr., etc.

Include current address and home addresses for past five years, Social Security number, birth date, and two proofs of residence (copy of driver license, utility bill, insurance statement, bank statement).

Pay by check, money order or credit card. Give name of credit card, account number and expiration date.

Quoted from:

http://www.privacy.c...urityfreeze.htm

I HAVE NEVER IN 30+ YEARS EVER SENT ANY PROOF OF ANYTHING TO ANY CRA

INCLUDING THAT MAGICAL UTILITY BILL THAT WILL CURE CANCER

MONEY????

OH WELL I GUESS IT IS WORTH THE $20 FOR 2 X EXPERIAN TO BE GONE

VISA/MC/DISCOVER/AMEX

CAN I BORROW SOMEBODY'S AMEX ONE NUMBER FOR $20<---

I WILL TRADE A $40 WALMART/SAMS GIFT CARD

Edited by GEORGE, 17 August 2006 - 02:09 AM.

[GEORGE]

A SECURITY FREEZE WON'T DO ANYTHING TO AMEX 365 F.A.C.O. WILL IT???

[800SomeDay]

I HAVE NEVER IN 30+ YEARS EVER SENT ANY PROOF OF ANYTHING TO ANY CRA

INCLUDING THAT MAGICAL UTILITY BILL THAT WILL CURE CANCER

MONEY????

OH WELL I GUESS IT IS WORTH THE $20 FOR 2 X EXPERIAN TO BE GONE

The CRAs do not like freezes so they do return your money
if they can. When they returned mine, I copied about 5
of my CC bills that were on my report and redacted any info
that they did not already have and sent it in again.

$20??

Cost is $10 and with EX un-freeze is free
and convenient. Thaw it for your choice of
length (2 days 3 days 7 days 30 days)all on
their web site.

I never have thawed mine but others have
said it worked very well.(good?)

[GEORGE]

I HAVE NEVER IN 30+ YEARS EVER SENT ANY PROOF OF ANYTHING TO ANY CRA

INCLUDING THAT MAGICAL UTILITY BILL THAT WILL CURE CANCER

MONEY????

OH WELL I GUESS IT IS WORTH THE $20 FOR 2 X EXPERIAN TO BE GONE

The CRAs do not like freezes so they do return your money
if they can. When they returned mine, I copied about 5
of my CC bills that were on my report and redacted any info
that they did not already have and sent it in again.

$20??

Cost is $10 and with EX un-freeze is free
and convenient. Thaw it for your choice of
length (2 days 3 days 7 days 30 days)all on
their web site.

I never have thawed mine but others have
said it worked very well.(good?)

MRS IS FREE???

[GEORGE]

I HAVE NEVER IN 30+ YEARS EVER SENT ANY PROOF OF ANYTHING TO ANY CRA

INCLUDING THAT MAGICAL UTILITY BILL THAT WILL CURE CANCER

MONEY????

OH WELL I GUESS IT IS WORTH THE $20 FOR 2 X EXPERIAN TO BE GONE

The CRAs do not like freezes so they do return your money
if they can. When they returned mine, I copied about 5
of my CC bills that were on my report and redacted any info
that they did not already have and sent it in again.

$20??

Cost is $10 and with EX un-freeze is free
and convenient. Thaw it for your choice of
length (2 days 3 days 7 days 30 days)all on
their web site.

I never have thawed mine but others have
said it worked very well.(good?)

MRS IS FREE???

SO I WOULD MAKE 20 MILES

...AND CHARGE IT AGAIN I GUESS

[800SomeDay]

I HAVE NEVER IN 30+ YEARS EVER SENT ANY PROOF OF ANYTHING TO ANY CRA

INCLUDING THAT MAGICAL UTILITY BILL THAT WILL CURE CANCER

MONEY????

OH WELL I GUESS IT IS WORTH THE $20 FOR 2 X EXPERIAN TO BE GONE

The CRAs do not like freezes so they do return your money
if they can. When they returned mine, I copied about 5
of my CC bills that were on my report and redacted any info
that they did not already have and sent it in again.

$20??

Cost is $10 and with EX un-freeze is free
and convenient. Thaw it for your choice of
length (2 days 3 days 7 days 30 days)all on
their web site.

I never have thawed mine but others have
said it worked very well.(good?)

MRS IS FREE???

No

OKAY I'm slow.

[GEORGE]

CAN I BORROW SOMEBODY'S AMEX ONE NUMBER FOR $20<---

[800SomeDay]

A SECURITY FREEZE WON'T DO ANYTHING TO AMEX 365 F.A.C.O. WILL IT???

Does not affect the Trilegiant companies,
I still pull daily from CreditAlert.

I cannot pull from myFico for EX.

I believe others pull unhindered from TC.

[GEORGE]

A SECURITY FREEZE WON'T DO ANYTHING TO AMEX 365 F.A.C.O. WILL IT???

Does not affect the Trilegiant companies,
I still pull daily from CreditAlert.

I cannot pull from myFico for EX.

I believe others pull unhindered from TC.

NEVER HAVE USED MyFico

Edited by GEORGE, 17 August 2006 - 02:50 AM.

[Rogue]

A SECURITY FREEZE WON'T DO ANYTHING TO AMEX 365 F.A.C.O. WILL IT???

Does not affect the Trilegiant companies,
I still pull daily from CreditAlert.

I cannot pull from myFico for EX.

I believe others pull unhindered from TC.

Way to go GEORGE! This will be the best $20 you have ever spent. As 800 wrote, the CRA's DO NOT LIKE to be FROZEN! So make sure you provide ample proof of your current address. I even included copies of the address pages of several previous EX reports and payment coupons from CC statements.

The only negative I have experienced thus far, is that the freeze does effect TC! If you pull from TC you will not receive any info from EX, however you will still receive TC Alerts for EX and get the EX FAKO score (ignore FAKO!).

With EX, to "THAW" your freeze is very simple, simply log-in here:
https://www.experian...on.do?code=THAW

[GEORGE]

A SECURITY FREEZE WON'T DO ANYTHING TO AMEX 365 F.A.C.O. WILL IT???

Does not affect the Trilegiant companies,
I still pull daily from CreditAlert.

I cannot pull from myFico for EX.

I believe others pull unhindered from TC.

Way to go GEORGE! This will be the best $20 you have ever spent. As 800 wrote, the CRA's DO NOT LIKE to be FROZEN! So make sure you provide ample proof of your current address. I even included copies of the address pages of several previous EX reports and payment coupons from CC statements.

The only negative I have experienced thus far, is that the freeze does effect TC! If you pull from TC you will not receive any info from EX, however you will still receive TC Alerts for EX and get the EX FAKO score (ignore FAKO!).

With EX, to "THAW" your freeze is very simple, simply log-in here:
https://www.experian...on.do?code=THAW

AMEX 365 F.A.C.O. IS ALL I HAVE

I DON'T DO 24+1 (TC) or any other F.A.C.O.

I DO WHEN I WANT

Unless you were going for a MORTGAGE I see no reason to "THAW"

(at least at this time)

Edited by GEORGE, 17 August 2006 - 03:34 AM.

[jenyphur]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

[Islandgal]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

Here we go again...

[dj144lyons]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

[jenyphur]

LOL...apparently it's taboo to ask that question? I'm not sure why but Juniper seems to be a sub-prime company and I honestly don't know why anyone (not just George) would want it if they didn't need it.

Maybe you all could fill me in on the 'here we go again' part cause I have no clue what the issue is.

[Islandgal]

LOL...apparently it's taboo to ask that question? I'm not sure why but Juniper seems to be a sub-prime company and I honestly don't know why anyone (not just George) would want it if they didn't need it.

Maybe you all could fill me in on the 'here we go again' part cause I have no clue what the issue is.

Use the search button, subject is not taboo, but the horse has flogged dead on that subject...

[Islandgal]

LOL...apparently it's taboo to ask that question? I'm not sure why but Juniper seems to be a sub-prime company and I honestly don't know why anyone (not just George) would want it if they didn't need it.

Maybe you all could fill me in on the 'here we go again' part cause I have no clue what the issue is.

BTW, Juniper is not Juniper, it is actually Barclays Bank, since the recent acquisition, and Barclays bank is a highly established prime british bank seeking expansion in the US - at some point I expect to see CC issued with the Barclay logo..

[rose252]

man they are just not going to give you a break

[Islandgal]

LOL...apparently it's taboo to ask that question? I'm not sure why but Juniper seems to be a sub-prime company and I honestly don't know why anyone (not just George) would want it if they didn't need it.

Maybe you all could fill me in on the 'here we go again' part cause I have no clue what the issue is.

Keyword search - whymorecards

http://creditboards....hl=whymorecards

Look at post 5

[NoBull]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

Here we go again...

You took the words out of my mouth, Kiowa!

[Islandgal]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

Here we go again...

You took the words out of my mouth, Kiowa!

Hey Buddy,how goes it?! NB speechless?! I just love marcustx writeup on it, hope he doesn't mind me quoting him on it..

[NoBull]

My question is why would you even apply for a card with Juniper in the first place? Don't you have enough credit already? Why even bother with them?

Here we go again...

You took the words out of my mouth, Kiowa!

Hey Buddy,how goes it?! NB speechless?! I just love marcustx writeup on it, hope he doesn't mind me quoting him on it..

'morning, Kiowa! Been really, really busy with work, school and the gym...

Hope all is well with you!

[800SomeDay]

Juniper's not bad just quirky.

[jenyphur]

LOL...apparently it's taboo to ask that question? I'm not sure why but Juniper seems to be a sub-prime company and I honestly don't know why anyone (not just George) would want it if they didn't need it.

Maybe you all could fill me in on the 'here we go again' part cause I have no clue what the issue is.

Keyword search - whymorecards

http://creditboards....hl=whymorecards

Look at post 5

Oh trust me, I know how to use the search button in fact I have been known to tell others to use it. But seriously, you think I should have known to actually use the keyword 'whymorecards?' LOL That's not even what I was asking.

I understand the idea of utilization and all...which is basically what that thread is about. That's not what I was asking. I was wanting George's opinion on the subject. Why would HE want another card, especially a sub-prime card when IIRC he has over 100k in available credit. Or is it 200k?

I have a few cards that I keep for utilization but my total available credit is much, much, much less than his...if I had his limits, I wouldn't be applying for Juniper, that's for sure. Or barclays or whatever they are called now.

They are considered sub-prime and in my opinion, that could look 'negative' on a report if someone was doing a manual review. Just like cap one, orchard, aspire, etc.