johnny5

File a complaint with the FCC, the office of the president who typically responds to them can do a bit more.

Did you DV include any of the info they requested? You should not give them any info they do not already have but at least something like an reference number from their dunning letter? Or the account # off your credit report if its reporting?

Short Version I can confirm BackDating is still possible, my first 2 personal cards I opened finally started reporting after 2 billing cycles and are showing open dates back to my first AMEX. Now to wait until Wal-Mart FICO updates to see how that longer AAOA helps out 2 cards with 10 years should give a little bit of movement.

I've had one in the 10 months I've had my current loan, I believe the other posters are correct though unless you are late/behind or otherwise breaking the terms of the loan there is not a whole lot they can do. I'd guess they just like to check in to consider offering you promotions or other products but also it might give them a little bit of heads up that a customer might be more likely to default soon.

From what I've seen they are the worst about adding them cause they feel like it and taking forever to remove them, they bassicly use them as punishment in my opinion. Also worth noting that I've had completely terrible experiences with EQ and their imaginary FA's... I have seen some folks who have better experiences than my self hopefully you'll be one of them!

Wow that thread is like an angry mob/witch hunt out of a bad movie..

2 is quite a low number of cards to carry. Personally I try to diversify in 2 ways: 1. Not carrying 2 cards from the same bank/creditor. (Never know when a bank might get nervous and block all your accounts... Amex and NFCU I'm looking at you 2 specifically..) 2.Not carrying cards all on the same transaction processing network. (While the network outages are not often, wide spread, or long they happen I'd hate to not be able to pay for something because the Visa network was out to lunch.) After that I consider rewards and percentages. My main 2 are my Amex charge and Discover More at the moment anyways but I always carry a Visa or Mastercard just in case I tend to rotate that slot a bit just so I give everyone at least 1 transaction every couple of months.

I would guess that the personally guaranteed business cards are probably similar to their personal counter parts for those that have matching counter parts. Ultimately I'd think its easier to get a personal card though, since a business card is more likely to see higher spending right away and possibly slightly more risky since you might be depending on income from your business there is another level of trust there. I think only the corporate level amex cards are based on the businesses credit exclusively and I guess they can be very stringent for a corporate account, new cards on an existing corporate account are pretty easy they let me be an AU on a PG business account and hold a corporate card years before they finally let me in with a personal account.

They are pulling your raw report and can apply any score calculation method they choose. It all has to do with their preferences and their contracts with the CRA's and FICO. Many lenders tend to use a version of FICO when scoring a report, regardless of what CRA they get it from. However within that there is plenty of room for difference, I just saw someone the other day post about how their FICO '98 and their FICO '08 scores had almost a 100 point difference even though both where generated from the same report. As deemac said, some like to use other commercially available models or even their own private scoring system. The exact combination of CRA and scoring model can vary with the same credit day by day, based on your application location, method of application (phone vs internet vs in-person), the speed at which CRA's servers are responded to that particular banks servers at that exact moment, etc. Most lenders have a preferred combination that most people experience with limited other factors, the main factor being location some lenders have carried over the regional nature of what CRA's used to be into today. (CRA's used to be more regional based, so a bank would pull EX for someone in California but EQ for someone in Florida as an example.) Many lenders also compare their own records on you at some point in the credit application process, some will even base certain decisions completely on their own records such as CLI's with no Inq where some will only check for negative records to make sure they are not about to extend credit to someone who has burned them before, this is often called the "Black List". A lender only has to tell you what CRA and Score they based their decision on if they deny you completely, deny you the best possible terms (i.E the interest rate is 14-21 and you get anything above 14), or with adverse action (lowering your credit limit due to something they saw on your report during a review for instance).

Seems like this is HIS banks issue and not NFCU... A while back I had a check made out to my deceased father, went into USAA with all the executor of estate paperwork and such and person at the front counter pulled out a card that had an example of how to endorse the check and said just do that and put it into the ATM. Never looked at any of the paperwork that said I was entitled to cash the check, nothing. Wrote out the endorsement like the example said, popped it in the ATM and never heard another thing about it.

Personally I've never used special paper or colors, just regular white paper with a standard font in black. My reasoning behind it is that my cheap scanner/printer unit came with software that has OCR to create searchable PDFS or Word Documents, in my experience it tends to pick up almost everything rather accurately, of course it makes mistakes but they are usually not big enough to affect the overall content of the page. I have seen it pick up text out of Logo's, Hand Written notes, weird fonts, etc with no issue and no special action on my part just dropping it in and hitting the scan button. (Generally speaking if its easy for me to read it has no problem, the only time I've seen it struggle or completely fail was terrible handwriting that I had trouble reading, or things that where super faded on the page.) If the scanner I bought at Costco for $100 can do a pretty darn good job, I would hope that the CRA's scanner & software combination that they probably spend a decent amount of money on can do better. Ultimately I agree with others, if you make it hard enough for the scanner to fail how much is the human who ends up having to read it going to struggle as well? Further more for all we know they could be just sending the scanned image off to a office in another country where a non native english speaker is trying to read and code the letter. Wouldn't you want it to be as clear and simple as possible so that its coded correctly? In the end if you clearly and correctly communicated the information to the CRA and they failed to comply with the appropriate laws and regulations wether it was scanned or coded via magic 8 ball they are at fault and if you take them to court your likely going to win. "My scanner mis-read the letter" is not exactly a defense the CRA can use.

No idea about the card specifically. I do know the 2 accounts are rather different, the cash account is a checking as you say and the funds are some how FDIC insured because they sweep them over to an account with a bank or something weird like that. Where a brokerage account is what you need to buy stocks, bonds, etc and I think they have a min balance requirement of $2,500 at least they did when I opened mine.

I thought that NPSL cards that do not report a limit, their balance is not considered in your utilization so how would it hurt their score? Though I agree Amex might be better down the road, they wouldn't approve me even though I had an AU and a Corp card running $10,000 combined a month, but 6 months later with a couple new cards under my belt (Discover, Barclay, NFCU) they finally let me in, also my FICO on my approval was LOWER than the FICO on the previous 2 denials.... And nothing else changed but an 2 year old baddie becoming just shy of 3 years old.

I may very well be the exception, but my experience is as follows: * Added to mothers Amex as an AU in 2009 (her card dates back to the 90s) * AU account reported as a new account in 2009 (no backdating) * Approved for an Amex product on my own this year *Account reports an open date of 2009 (the year I became an AU), and reports a perfect history from 2009 to present. YMMV. That's pretty standard, you just have to have your name and social attached to a card can be AU or your own account. Some folks who established member since date as an AU have reported troubles but I'd guess that's just part of the random Amex factor having trouble backdating.

I believe thats an old enough scoring model that still pays attention to AU's, my understanding is newer ones don't do anything or the weight is significantly lower. All depends on who's running your score and what model they like to use.