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  2. Thank you both so much for the reply. I still do not understand even though they may continue to report for 7.5 years why the DOFD was changed first from original date of april then to august and now october .. it has remained the same ... april 2012 .. through these past few years until now when it is time to go postive. Innovis has removed it completely and stated in 2014 that it would go postive in January 2019. Confused ...
  3. You are correct in the 7.5 years technical aspect. However, in practice this is seldom done. I can think of maybe a couple of threads, as long as I have been reading these boards, where a TL was deleted by the bureau at 7.5 years. The bureaus set the auto deletions to delete 1-4 months early. The DOFD was changed THREE times, each time without a corresponding change of last reported date, It seems odd that a credit bureau would do something as inefficient as this. This leads me to this question. Can a creditor make a change to a TL WITHOUT having the last reported date updated? If someone could definitively answer this question, it would be helpful to determine who is originating the change.
  4. That was my experience. Hilton Business SUB and MR referral bonus this last January.
  5. Today
  6. interesting. I always assumed it was plus-size since "barn" is in the name.
  7. the apple card that wasn;t https://kensegall.com/2019/05/20/the-ghost-of-apple-card-past/
  8. https://www.wcnc.com/video/news/local/wake-up-charlotte/in-other-news-this-is-why-you-should-avoid-using-your-credit-card-too-much/275-598a79f7-f850-40d7-8d79-63f48d5fefa3
  9. https://www.usatoday.com/story/money/2019/05/20/credit-cards-6-rules-to-follow-when-managing-your-debt/39444541/
  10. So, the benefit to self-referral are the bonus points/cash for the referral plus the regular signup bonus?
  11. I'm not sure, but I think the referral options are usually equal to or less than the public or targeted offers. If you have other Amex cards, you could send yourself a referral for the one with the best referral bonus and see what it will let you apply for.
  12. Dress Barn is expensive.. and I'm talking about the outlets, which are really the only stores I've been in...
  13. I am not planning on applying for anything for a while but if a good offer tempts me... I had to control myself when a Marriott Bonvoy Boundless offer - 75K points for $3K spend, $250 statement credit for - links showed up while booking hotel room yesterday.
  14. I'm a fan of Marshall's, TJ Maxx and HomeGoods, but Ross is strictly from hunger. The very last time I was (or ever will be) in a Ross I was rifling through the underthings and they had a pair of Spongebob Squarepants boxers with a Ross price tag of $8.99. And a Walmart price tag of $6.99.
  15. Hmm. Are there any better options available via referral that aren’t available in public?
  16. Yesterday I picked up some radishes for 4 easy payments of $0.34.
  17. April 2012 to October 2012 is six months. The regulation gives them up to six months to charge off an account; it is provided for in the FCRA. Technically they have 7.5 years from the DOFD. The change sounds allowable.
  18. 1. Send Convergent a cease and desist / dispute letter CMRRR. 2. File for private contractual arbitration through the Paypal agreement. Name Convergent as a second respondent. It will cost them $5K in startup fees, and using arb prevents them from using the court system. Doubtful they'll pay those fees. See what happens and report back. It can take 60-90 days for AAA or JAMS to close a case for non-payment. Could be an interesting case; if all you did was use Paypal to receive money, not an Ebay purchase, I would argue that they have no business inserting themselves into a private contract to which they are not a party. The other person should have sued you directly; how he paid is immaterial to whether or not the job was done properly.
  19. MAKE SURE YOU DONT APPLY FOR ANY CREDIT MY WIFES COUSIN ORDERED A TOASTER FROM FLINGERHUT FOR ONLY 17 DLLRS A MONTH BUT GOT A HARD PULL HIS SOCRES DROPPED TO LIKE 500 OF COURSE HE STOPPED PAYING ALL HIS BLS AROUND THE SAME TIME DUE TO HAVING A EAR INFECTION AND AN UNDESCENDE TESTICAL
  20. I should have this thread renamed to include all types of interesting number patterns. I have an account ending in 822 that has a current balance of $28,802.88. Also, the last four digits of the landline of my childhood home beginning at age 4 - until my parents sold the house in 2014 - were the same as the last four digits of this balance: $28,802.88.
  21. New money market account bonus from Capital One posted this week... I'll add the bonus and the accumulated interest in this account to our 6/1 additional principal payment... so here is an extra $500.00 + 81.63 + 84.21 + 27.15 = $692.99. Summarized in this post alone I've "found" more than $1,000 extra this month (so far) to put toward the mortgage principal. This is on top of the recurring fixed amount we pay every month which is derived from previously retired debt payments, net pay increases, permanently-eliminated/reduced recurring expenses, etc. Meanwhile, our higher-priority retirement and savings goals have already been addressed, as aggressively as ever, for this month.
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