chinaonnitrous1

In my opinion.... If you have a lump of cash, pay off the ones that are small balances...then the highest interest ones.. why? The more cards you have funneling in..... you might forget one, or have one late. Why deal with that? Unless you really trying to boost your fico for a purchase, i dont see why you need to play the % game. Save yourself some grief, and pay off some of the small annoying ones. Then just focus on using/paying the big ones.

Good tactic...I'll follow that route first..

Bump for any more veterans...

Yes... He put her Drivers License Number, Her Soical Number, and her Mom's house as residence in Pinole/Hercules... Thanks for the advice, I'd definatly appreciate more!

Fraud yes.... The guy isn't rich or anything. Theres nothing to get from him at all. He can't even pay his damn dental bill. Yes that is the last route we want to run him into. If we can get this off her report, thats all we want to do. As for the wireless router, he has something else comming anyway. What i'm really getting at is the form was NEVER signed. So why can they use her as a coapplicant?!

So heres the story... Aug 6 Account opened at Gentle Dental in San mateo by her ExBF as we have found out. Account with "Care credit"(GEMB) Girl listed as Secondary user to the account. (Not to her knowledge) (https://www.geonlineapply.com/servlet/MCSGenericApp) Care credit applicaton requires D/L Number and Soical Number. She's never given it. No Inquiry pulled on transunion or Experian, However both now show the Address of her ExBF in San mateo as previos addresses. Found out Aug 23 as 60 days late based on credit report.(Closed/Past due 60 days. $495 past due as of Aug 2007. Adria applied for credit card, and was denied due to credit report. 07/2007 $5,181 06/2007 $5,21 05/2007 $5,153 04/2007 $5,082 03/2007 $4,806 02/2007 $4,868 01/2007 $4,845 12/2006 $788 11/2006 $809 10/2006 $735 09/2006 $885 Address of Ex-Bf was used (san Mateo) Adria has only lived in San Francisco and Hercules. She never lived with him. Account is not in collections YET, just late. I am helping my friend (Girl), sort this out. We just reccived a copy of the handwritten APPLICATION from the Detal office where Care Credit was signed up for. It does have her information, clearly in 1 style of handwriting. She was listed as a co-applicant. BUT WITH NO AUTHORIZATION SIGNATURE!!! She never saw the form, touched it or SIGNED IT. How can Care Credit post on her report?!?!? She was never used as a basis for credit extension, since no one pulled her credit report. Can this be a FCRA violation? The ExBF is not willing to admit to fraudulently obtaining and using her Social # or any other information. I would love to help her get rid of this issue on her ohterwise perfect credit report, and possibly come home with a bit of extra money. Even a donation if possible to this wonderful forum. Any help, input, quotes of laws, statutes, and violations would be greatly appreciated.

How long did it take you guys to get the packet? I got approved for 13.5k. I have 3 citi cards 5k, 10500, and 11000.

Stupid question, but why delete old addys?

I gotta call them tommrow. I tried to apply for the membership by going through the donation process of hte non-profit. It didnt work, I got up to the part to verify information and check the box reading the discourses then it dumped me back telling me to call them directly.

Any idea if scores need to be higher to qualify for a LOC?

I've heard its a nice thing to have. My co-worker has a Wells Fargo Line of Credit... Card. Another co-worker has a checkbook that is access to his line of credit. I'm assuming its similar to a credit card? or is it more similar to the Balance Transfer checks you get from the CC company. I guess it would be nice, since I buy and sell cars frequently, only dealing with 5~9k at a time. It hurts when it comes in and out of my checking account. Would this be a better way? I was also thinking about taking a vacation to Las Vegas and to the PHillippines. Could I write myself a check to buy tickets & vacation packages? Or, take out 10k in las vegas? Anyone with experience, my FICO are about 680ish~695. FAKO almost 700. Who would be a good lender? Citi Flex sent me a few invitaions, but the reservations already expired.

Congrats!! My g/f got it.. I'm an AU... I've used it at a bar, and a girl came up and asked me about it... 2 drinks later... well, I went home. hahahah. :angel

Don't feel so bad....I'm still at my original $400 on the regular card and I've had mine for 8 YEARS! I'm about ready to close it out of principal, it's ridiculous, I've never been late, lots of use, scores in the low 700's.... Congrats to Pink though! Geezus I dont think I could put up with that.

Wheres mine =( almost 6 months, 200 limit. Used 7 times. Payments were all PIF, with 80 bucks a month average use. Once right at limit.

Have had mine before xmas...PIF every month, use it once a month. Nothing yet. still at 200, did not pass go.