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I apped for a Bofa biz card and was denied. My score is 760 and my partners is 780+! Spoke to a csr and was told we should reapply only in his name due to a chargeoff i had in 99. I don't even slightly recall having a card with them back then. It might have been some MBNA or FIA card?? Has anyone been able to get a card with them after being on there "blacklist"? They pulled EQ due to EX being frozen.

Thanks.. saved me a phone call to MPM

I've had MPM for a month and it has never showed any info for EX. My EX is frozen but still shows on CCT, CS, and USAA. Do TU based pullers not show EX if it's frozen?

So, CCT+CS+MPM= same as USAA+CS+MPM ?

Why would USAA work better than CCT ?

How do i add a screenshot and reduce the size?

Finally got to the bottom of my low limit and CLI prob! Spoke to 3 csr's today. 1st" no cli without hard pull, new law"(no thanks). 2nd " asked for to much of an increase. 2k is max , lets try again. Need to pull hard and have analyst review. "( no thanks). 3rd (called recon # and finally some closure ) "It seems that the reason for the low limit is, you had a charge off in 97 and they are giving you another chance to build up a relationship again." Oops, I guess i forgot about that . I dont even remember having a discover in 97 .

I finally got the phone option for a CLI today. After entering all my info and the amount i wanted to increase, the message stated more info was needed. I was forwarded to a rep. and once again was givin the "new law, hard inq. required speech." I told her she can pull as many softs as she wants and view all my cr info and fico's, which are in the 760 range. She was very nice and gave me a # to call during regular biz hours and speak to the credit assistance dept. I called the # and it gives me the same automated message as the # on the back of my card

Thats what i figured! I just think it's funny how much wrong info is givin by many frontline reps.

I called today to confirm date when i will be eligible for my 6 month cli. Was told by the csr that all cli's require a hard inq after the new laws passed. I told her i got an auto cli at 3 months with no pull ! Her response was "OH" . My Discvover came with my lowest limit by far. The csr also said when i call for cli, that i request the limit i want. I don't think she knew the difference between hard and soft pulls, so i just let it go. Anyone have experience with discover cli's? (CSR and limit i request)=Hard ? (phone option)=Soft ?

MPM, CCT, and CS are useless for any alerts. I app'd for a cc about a week ago, instantly pulled my cr ,and saw the inq on EQ. Why didn't any of the three email me with a alert (made sure my email is set up to recieve notification) ? I guess these services are only good for B* and to monitor myself!

My Equifax chop dates seem to have been in the 16th to 18th of the month range. February 1, 2010 everybody who gets chopped was chopped. I would squeeze in a few "free" trials by March 16th, just in case choppage happens on that date. But, with only 2 Equifax inquiries, I wouldn't worry too much. No worries , i just like that clean fresh feeling! I'm not planning on apping for anything soon, but u never know when a new 0% bt 0% apr card is gonna come out and want to give me that BW limit!

Since we counted 65 and hopefully have at least 7 more days before EQ starts swinging the axe, i should see some action using my 3 pullers?

THAT one isn't going away any time soon. Since i'm getting chopped, how are the hards ever going to B* ?

Will do. I have 2 hards EQ (3/6/10 , 11/27/09) 1 TU (2/5/10)