GACREDIT

He is just taking out a 401K loan. It isn't a withdrawal. The payments he makes (P&I) go right back to his 401K account.

Got a letter today that my Visa Gold is going from 11.9% to 13.9% effective Nov 25th. due to "economic and compliance impacts". Some of the fees are going up also. Anybody else get this?

Checked my Experian report and there is a soft pull on 9/17 from Credit Communications Sv, 14901 Bogle Dr, Chantilly, VA 20151. Anyone know anything about them and why they are peeking at my Experian file?

You did see "for a charge of $49" didn't you? How often do they charge the $49?

I guess it was a coding error after all! Just checked my Experian and inquiry has now changed to Macy's. That's a relief!

There is a thread that R&R Furniture softed Macy's cardholders on Experian. I got softed by R&R also on Sept 2. I also got softed by Bloomingdales on Sept 2. Wondering if this is a miscoding by Experian and is really a soft from Macy's? Does Macy's & Bloomindales pull softs on the same day. If not someone has stolen Macy's cardholders info.

I got a soft inquiry too. I also got a soft on same day for Bloomingdales. Wonder if Experian miscoded the inquiry for Macy's. Need to get BUBBA's attention to see if Macy's & Bloomingdale's do their softs on the same day. Will start a new topic to see if that is the case.

Bubba, What is the highest CL you have seen for a store account? I currently have a 6K Macys and 5K Bloomingdales. Just wondering where I stand in the average CL.

I looked at ChaseIDProtection, I called and the rep said you could only refesh report every 30 days. They must have changed the program since you signed up. Every 3 days would be good for $11.99 a month. Wish they still offered that!

Just cashed in my "REWARDS", I am going to get a bucket of KFC on HSBC! Sorry guys, I guess HSBC will have to cut some more CL in order to pay for my bucket of chicken!

HSBC got me too! 3500 DMB M/C cut to 300. 3 year old account, no balance, PIF. I did run several hundred dollars a month through it, no more business from me- to the sock drawer it goes. I haven't decided about closing it yet. First CL cut that I have had since the "credit crisis".

I have a 2 year old BK7 and was allowed to keep 2 zero balance accounts, Spiegel and Goody's, was pre-approved for a Blair account right after discharged and have gotten CL increases. I did apply for one of their furniture store accounts and was denied for BK7. I think the retailer has some input in what risk they want to take. I think Blair & Spiegel are their two easiest approvals.

I applied during the rush last night. I checked my Experian back door this morning. They have already reported the credit line!

If you were with TrueCredit and got you account cancelled, you get locked out of Transunion too. I found that out also trying to look at an old report.

Well, I got my E-mail today cancelling my account that I have had since 2003, was only paying $9.95 a month. I have been pulling daily for about the past 2 years. I am not going to even bother calling them.