RichDash

Hence my strategy of opening tons of accounts when my credit was clean... In a few more years my AAOA will not be affected by much at all.. It's a buffer strategy that might not be for all but prevents these posts...

I think they said they were sending yours last... No doubt, saving the best for last makes sense!

Were the scores directly from TU? Did utilization increase? Did the auto or furniture loan get paid off completely?

Lame! Haven't gotten my card yet!

I agree that the fico 4 will be most sensitive to multiple accounts. Toss it on one and see. The fact is that Fico 4 does not really like any debt so even the 40% will sting quite a bit... On top of that be ready to explain things to the lender who undoubtedly will not like the site of 40% util on a large card. The debt would look much better for you on a loan if you could get one...

Looks like the rates jumped a bit. Ik now in the past they have always offered me lower rates than most. Still easy to work with and good people in general.

I have a Golden One account. I know that the people who I know that have used them for many years love them. Customer service is always good, In fact I am using them to store and season funds for a home purchase right now. Large amounts of money tend to scare them a bit it seems. Even just depositing 8k in cash gets odd looks and a need to go to the back to count. They will do a hard pull to join however they will give an amazing auto loan and cc on that same pull. Generally nice and easy place to work with but they hate chex which really isnt much of an issue for most. I can't tell how fast they release funds, I use them for little at this point. My future relationship with Golden One will be auto loans strictly and a credit union to park funds to season locally...

I did - spent 20 hours a week on it in January and February. I think I started with 82 baddies, and got down to about 30. I challenged multiple times, multiple ways in the order he suggested plus all the TX TFC ways. They've just confirmed over and over. But maybe I'll go back through and try again. Be relentless, hit them at every angle possible and nail them with every screw up they make. Deny any info they validate with and reject the notion that they even came close to satisfied your request. Reality is that they more oftne than not can not comply. IF you run out of all moves then offer PFD and see what happens. Literally tell them straight up that they can take it or leave it and never get a dime. Be sure that you follow the 1-2 flow chart as well as making good letters unique never copied etc...

Congrats, welcome to the club!

The sex robot clearly gave him a virus... I bet John Mcafee could fix him...

Joined April 2015, clean but thin file and relatively young with many fresh inq's. Denied ploc and card. Given compliments on clean file but too thin for them. Never gotten a pre approval or soft offer...

Eh, please don't kill this if it works before my loan goes through...

Hege, are you still celebrating 4/20 from last month?

Lender pulled 737 - 730 - 718 Today - 5/18/16 as expected... Ill update this thread on more time in the future when they pull my credit again and consolidate the info into one post with dates and vital info.

I would go study the psychdoc transcripts and follow his instructions to a T. You're well past SOL so you won't be sued. You may want to try and work them off before a mortgage inq shows. They will be much less likely working with you after they see that they have a power play. Lates, Liens and any CO are removable often. You really have nothing to lose and everything to gain... It'll just take a few days of work and research.