SLiM JiM 156

I was successful at getting first premier to delete a TL. I'm not sure who I wrote anymore, but I found a name in Corporate and sent them an e-mail giving them my story about how I'm trying to buy a house and this TL is holding me back. The next day I received a phone call from a very nice lady and she promised that if I paid the balance in full, she would have everything removed off my credit. About a week later is was gone!

I don't think it's instant. I got the wait letter and a week later my card arrived in the mail. This was when my FICO's were in the high 500's

I am recently in the 700 club too, feels nice doesn't it? When did you get your Amex Bluesky card?

I asked for a CLI on activation, and was told they couldn't give me one, but offered to cut my AF in half. I called 2 months later and told the guy that I wouldn't even use this card because one transaction for me would put me over the limit, and he gave me an $800 CLI. It seems like everybody has different results with them.

I don't think Sallie Mae reports 30 days late, i'm pretty sure they dont post a derogatory mark until you're 60 days.

He didnt even say anything to me. I handed him my card and after he ran it, I saw the .50 charge.

I have this Liquor/Deli right across the street from my house. I bought a sandwich and tried to pay using my Credit Union Visa card. The clerk told me that there is a .50 charge for using a credit card under $10, but if I wanted to use my debit card then there would be no charge. Granted .50 isn't very much, it still irritated me that I was getting penalized for using credit.

Erasmus: You are -AWESOME!- I am Honored to have a Quote of mine in your Siggy. My personal favorite is "IS THE SKY FALLING AGAIN"? .. ok back on topic from I made a Funny Id like to insert my Own history into this thread. Checking CCT for Fresh statistics and also doing Bumpage (Im at 2 in 2 days, may skip Tomorrow due to a day in history,) ... Wow look CCT just said "We're sorry! If you order the same report within the same day, you will receive duplicate information. Please try back again tomorrow." .. ok i have my Newest Inq out of the 5 as December 14th 2008... 2) My AES/SLMA (I dont know who or what that is, Sallie Mae alternate name?) as 120 Days Late in September 07, not sure, i should DV them i suppose.. 3) I have a Caiptal one 90 days late from Aug 07 but it went to 60, then 30, now im OK straight through this month of this year... ... and i have a KD from Dec 07 until this month. Trying to get this consolidated, its an SL thats why its a KD. Also Sallie Mae has a Late of 120 on May 08 but i get to pay $50.55 a month on those loans startign this month... i wonder if i should DV them too. Did you post this in the wrong thread??? . I am going to talk to my parents and see if they will add me as an AU..

No offense taken, thats why I was asking here. Just curious why don't you think I would be approved? My short history or the 5 inq's? thanks

No baddies, clean reports (Thanks CB ) All the INQ's are less than 4 months old..

FICO scores are in my sig. My main goal since starting here was to eventually get an AMEX Blue cash card. I only have about 3 years of reporting history and 5 inq on my reports. Think I would get approved?

It's kind of a long story, but I ended up settling with Credit one the day before it was to be charged off. Something happened and they acctually did charge the debt off. So I called in the day that I saw it and they bought the debt back. I kind of think that's the reason why they offered to delete the whole TL.