Cane Sugar

Congrats. i enjoyed, and agree with your rant.

Way to go!

FICO25 worked for me on 1/10/11.

Congrats!

Woohoo!

Thanks all!

Thanks CB! During my divorce I lost my job and my credit went downhill with late payments and one charge off. Last year I got serious about my finances and started implementing the strategies I learned here. Initially I felt I would have to simply wait for the negative info to fall off in time. The good thing about that mindset is that I didn't apply for new credit, so my inquiries were very low. I opened an account with my job's credit union and they said they would use the same hard pull (Experian - 694 FICO) if I wanted to apply for a Visa. Sure, why not? On the app it asked the limit I was seeking. Playing it safe I said $3000....... and that's what I got. The only other major card I had for the last 6 years was/is Capital One for $300. So I don't even count that. Plus they ALWAYS denied me an increase. Anyway, since studying this board I've been approved for the Sterling trifecta - $1300 ea, Macy's $300 with a drop to $170 but I am keeping it, and CareCredit - $1000. Now a $3000 from my credit union. My scores have increased because I am now an AU on two perfect trade lines. But they did take a dip when I applied for various credit. I was denied Amazon Visa and United Visa. But will try them again at the end of the year, along with Amex. Amex to 'me' will have said that I made it. Thanks again CB. I have learned a lot. Still have a ways to go, But I have gained quite a sense of personal fulfillment due to the knowledge learned here.

What do you mean by 'cap'?

I got the same letter from TU. Before I could even reply to their nonsense, they deleted my two unpaid collections accounts I was disputing and sent me an update.

I was wondering why the need for a hard pull. I just opened a CU checking and savings and they pulled Exp. Fortunately, they will use the same pull for my credit card ap.

Congrats!

You'll know changes we're made because you'll get an email alert first so it ruins any surprises. Yeah I get the email, but I don't know what till I log in. So I'm still easy to please.

It is very addictive. I log in to CCT holding my breath sometimes because I'm so anxious to see if and any changes were made.

Exactly. The database is painfully outdated. OP, maybe you can do a search for specific credit cards and find your information that way.

I'm not understanding. Why would there be a problem if the return is made within company guidelines? I've always used my debit card till now. Never had a problem.