gabbyraja

I've been here off and on for 12 years. I've been working on my credit the past 6. I began with a secured card and loan and now have a little over 30k in unsecured cls. I'm here to ask for the list of the good credit unions. The ones with ccs that begin with higher limits than usual, get bigger (automatic) CLIs, etc. I know nfcu and Alliant were mentioned years ago (both included in my bk, so they're not options for me, unfortunately) and penfed (my best ccs are with them now). Who else? (I did try to search, but couldn't find this specific info, sorry)

I read EVERYTHING here about 9 years ago, when trying to buy a house. Turned my 530 into a 700, so THANK YOU! At the time, there were a few ways left for bumpage, though maybe not with EX, iirc... But I can't find the info on the redesigned site, and the ones I need bumped are on Ex. So, what say you?

That's a great explanation, thank you!

Well, I have a raise coming in the next couple of weeks. I think I'll wait for that to come through, since it will be like 25% higher than it was when I got the cards. I'm at 2, 000 and 3,000 right now. Do you think I'd be Ok asking for 10,000 on each?

Actually, I don't care about whether or not it's a hard pull. They can hard pull me all day long, lol, if they're going to give me higher limits for it. I just want to know if this is like a "preapproval" for a higher limit or not. Would they just automatically give me a higher limit if they were going to, or do they require you to jump through this hoop?

I've had my NFCU CCs for about 2 years. When I first applied I was pretty active here and many people said when certain things just appeared it was NAVY pretty much "Inviting" you to apply, and iirc they didn't pull, or only a soft pull... Something to that effect. Basically, your chances were good. I thought I had some baddies semi-recently, including late payments on Navy products (not 30 days late, just past the due date), so seeing this is a surprise to me. Is it possible that now it just comes up randomly, or do I have a chance? Btw, the payments were late because I had some difficulty staying on top of things, brain/health-wise, not because I couldn't handle the payments, in case anyone is going to say I shouldn't try because I already can't handle what I've got, etc.

So, Midland seems to have gotten ahold of all of our GECRB debt. They've had their atty in our area sue me for 2 GECRB cards, and are now suing dh. I have no income and I'm not on the primary bank account, so I'm ungarnishable, so wasn't too worried, but dh is the breadwinner. I'd really prefer this not go to court, if at all possible. But the debt they claim is just over $1200. We can pay half, but no more. What do you suppose our chances are that they'll take it? And who do we call to try to get them to take it? The atty, or Midland? Or should we do it in writing? Regardless, I'd think they'll probably want auto-pay and there's no way I'm letting those cultures in our bank account... Le Sigh.

Thanks, guys. Yeah, I NEVER have that kind of luck, and it's on the report Navy pulls, too, so SUPER yay!

I sent the dispute on Dec 30th. Could that have something to do with it? It was the third time I'd disputed this TL in the past year. I disputed it on EX, too, and it didn't come off there... I don't really care I guess, but just wanted to share my joy. I finally got a stroke of luck!

We have a USDA RD mortgage. We had our taxes greatly adjusted, which caused us to have a large escrow surplus. After they informed us of the surplus we faxed a letter asking them to use it toward our Dec payment (which they told us on the phone and in the local office we could do, and the amount would make our full payment). We have the fax confirmation showing that the fax went through, but they claim it never did. If they had not received this letter they were supposed to send us a check for the amount, and they did not do that...The local office rep couldn't figure out what was going on and why they were still holding it, but got it applied, finally. But not before their system decided to report that our payment was 30 days late. > Since their ineptitude caused the problem to begin with I have a feeling dh is going to have that late on his record until he dies. However, in case anyone here had a heartwarming tale of them getting it right and fixing the CR...I figured I'd place the question on how best to do it. Maybe somone has an address or person to whom it should be addressed...? Or could we dispute it directly with the CRA? Honestly, I don't think I care too much if we lose the whole TL, since they report only to TU anyway. I had literally that week fully cleaned dh's TU report. Without this late he would have zero baddies... I'm so bummed it worked out like this. Thanks