WhoisJohnDoe ?

Credit Application: Your Age? 31 Your Equifax Credit Score? 797 FICO (8/19/2012) Your Experian Credit Score? 793 FICO (8/19/2012) Your TransUnion Credit Score? 784 FAKO (8/20/2012) Can maybe push these higher by getting $0 balances to report next cycle. How many years have you been on file with Equifax? 10 How many years have you been on file with Experian? 10 How many years have you been on file with TransUnion? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? N/A How many late pays within the last 12 months on the currently open loan? N/A How many late pays within the last 13-24 months on the currently open loan? N/A Your current open auto loan is financed with? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 9 Total percentage utilized overall? 4% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 9 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 1yr 1mo Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 760 How long have you held your current job? In school for new job Your total provable monthly gross income is? 0 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Is there additional monthly income? What amount monthly? 2200 Describe the source. Dividends, interest, investments (not liquid) Is the additional monthly income provable? Via bank statements. Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) Anything up to $15,000 (Also trading 2010 Lexus 100% owned ~20k) Does any credit repository contain any Public Record? NO If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? NO If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2012 Toyota 4Runner Trail (~38,000 MSRP) Could do this deal for cash if necessary but want auto tradeline and also to take advantage of promo interest rates if able. I know income will be an issue. No cosigner available. If unable to finance will just pay cash.

When they lower it to the 124, that is a code for an account that is not used. When they did it to me, I went and charged something small, and they restored my limit immediately (The next time the statement cut). Then I was able to get CLI's like normal. <3

I signed into my Paypal account for some luv and noticed that GEMB had chopped my limit from 1100 to $124 (last charge 6/2010). I entered my income and it refused to increase me. (68,000 avail credit on other cards, 783 EQ FICO, clean EX file - just checked credit secure). Oh well. I only keep it open for the account age anyway.

Protip: If you ever find $150k in your backyard, don't go to the media like this salamander. Start making regular trips to the casino and cashing out for $5k or less. Save your receipts. In 6 months of weekend trips, you'll have a totally plausible explanation for where you got that money. Pay the taxes on the "winnings", and put the money to work.

I found some more info in a FatWallet thread. According to one poster, it appears like the 2% will continue until December at which point it will be replaced with a reward structure similar to the BofA Cash Rewards card

NOOOOOOO! I recently started to use this as my primary card now that they *finally* gave me good limit. What did they say in the letter? When is the account closing? What card is it being replaced with? Same limit, what's the story?

You sound like you were in a similar situation. That's pretty much what I want to do - buy a place and pay around what I can afford with my rent right now.

Thanks for the replies. I was unemployed until recently and getting a job required changing fields so the very soonest I would be employed in the same line of work would be 18 months from now, which sucks. I would totally pull the trigger sooner rather than later to get the rates, but I'm just gonna hang in until I've at least been on the job a year.

I want to buy a home next year and want to do the most advantageous thing given my situation: * 778/781 FICO EQ/TU * 3% Utilization / $60,000 available / 13 ACCOUNTS / 3YR AOA / 11 YR AGE * $32,000 year income * $10,000 in savings * No major loans on CR (Car was paid in cash) * 5 year rental history (First time homebuyer) * 1 year at present job * NFCU member I have a nice apartment and am not in a rush to buy. I would like to close on a home within a year if possible. How much ($ wise) home can I afford on my income (my rent now is $765) and what kind of loan would be best for someone in my position? FHA? 100% First time homebuyer? Conventional?

I would second this. My primary Visa is serviced by FIA (aka BOA) and I've always had friendly, helpful CSRs when I've called in.

You won't get my FIA/Schwab Invest First Visa with its 2% cash back til you pry it from my, well you get the point.

That's terrific! Glad to hear. It is a such a relief when you can get baddies off your bureaus.

Worked for me! Thanks!!

Credit Secure from Amex. 11.95/mo. but that's only 2 trimerge reports a month. It's more if you want to daily pull, but I'm not sure how much.

You might want to try running it up near the limit and paying it off before the statement cuts. I did that without looking for a CLI on one account and they raised the limit from $12k to $17k without my asking for the CLI. This after they chopped an account in half for not using the available limit. Well, I had a large purchase I wanted to get the 2% cash back on so I took the plunge earlier this week. I spoke with a CA and after verifying assets & income and a hard pull, I got a $24k line. I made a $14k charge on Friday and will PIF on Monday when it posts just to collect the rewards. I'll probably be doing $9-11k a month on it for the next 6-8 months.