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  1. Yesterday
  2. This is my highest ever since I started my journey here. Sent from my SM-N986U using Tapatalk
  3. Need your opinion. My two lowest CLs are two Cap1 Quicksilver cards with CLs still well under $1000. I was denied a CLI yesterday due not using enough of my available credit. This is because I run more than the limit through every month and have to make 4-6 pmts per month. I called them but of course there's nothing they can do. Should I cancel one (or both) of them and reapply in hopes of getting a decent limit? I realize I'm not a very profitable customer to them, but this is really aggravating. If it makes a difference, one card started as a secured Platinum. It unsecured and later became Q
  4. I think its better to buy from a trusted store then
  5. My mid score is 686. I'm almost ready to apply for pre approval waiting until 3/17 as it will be 4 years post bankruptcy. I know I qualify now for FHA but waiting gives me more options (i.e. conventional) and since it's only 2 weeks away it's best to just wait My question is recently a collection popped up on my account (only negative other than bankruptcy) It's for $881 for a medical issue 3 years ago but started reporting in Dec. I disputed but they validated. They sent me a letter to settle for $500. My question is should I ask for a pay for delet
  6. Of course, once the basis of comparison is between two different credit score models, all bets are off the table as to what optimizes one vs the other (and, given some stark score variations one model to the next, it's not obvious that what optimizes one would optimize the other). As you suggest, it's fairly well accepted that "AZEO,$2" optimizes utilization for Fico 8 bankcard (you claim Fico 9 bc as well; I believe that to be less well established, but I'm willing to accept that on your word. Isn't new info re optimizing FICO 4 useful? Most of the smart people here s
  7. My mid score is 686. I'm almost ready to apply for pre approval waiting until 3/17 as it will be 4 years post bankruptcy. I know I qualify now for FHA but waiting gives me more options (i.e. conventional) and since it's only 2 weeks away it's best to just wait My question is recently a collection popped up on my account (only negative other than bankruptcy) It's for $881 for a medical issue 3 years ago but started reporting in Dec. I disputed but they validated. They sent me a letter to settle for $500. My question is should I ask for a pay for delet
  8. I'll let you know if I hear something about my 1975 RCA/BMG tape club default ... (16 years old and I feared something would come from all those letters they used to send)
  9. anybody ever have luck using form 785 in regards to a mortage
  10. In the past week, I have heard from a couple of people I helped in the very distant past that they got letters from the 'friends' in Bloomington who are more well-known to those on this site for cell phone collections. Only the letters were not for cell bills. The oldest thus far is for an account that went delinquent circa 1994. Another is an account that never went to a third-party and never had a 1099-C issued but where a delinquency existed that aged off of the reports circa 2012. The language is consistent in all of them, that the account has been purchased and seeks the f
  11. Tonight: raped chicken, mashed potatoes with gravy (individual servings from the freezer) and _______ . I didn't go to the grocery store today, so I may just fill in the blank with some canned corn. 😐
  12. We aren't going to get into a p'ing match with you...FICO4 is not a commonly used score (it is primarily a mortgage score) and the reality IS that for the bankcard scores (FICO8 and FICO9) tends to score best with AZEO and for that one to be a nominal amount (hence, the two dollar trick). It has been studied here for at least as long as you have been registered on the site.
  13. Let's try this again. Hopefully the pics show up this time.
  14. Bank of America does not use the 250-900 bank card FICO 8 to maintenance your account but instead provides you with a monthly free TransUnion FICO 8 credit score. (300-850) You need to apply for a credit card from First Bankcard of a subsidiary of FNBO to obtain the 250-900 bank card 8 FICO scores they provide every month.
  15. 👍Thanks for the info. Keep us posted on negative or positive service/operational issues.
  16. Haha...Credit First Bank attracted me to a pre-approved proposal for a 1% cashback. Oh gee golly gosh, is there an annual fee attached to the tender?
  17. I know. But for one, they might want to sell your contract to another. Then that "another" would probably want to look at your credit. I have seen it happen before. They're just covering all their bases.
  18. One more question the medical provider used a billing service. Do they get the payment with the letter?
  19. Thanks to a monthly $10 dining credit on my Amex Delta Gold, I decided on this vietnamese feast for lunch. [img]https://i.imgur.com/NeDz1XV.jpg[/img] [img]https://i.imgur.com/9lMEC4f.jpg[/img] [img]https://i.imgur.com/cZfG8BX.jpg[/img]
  20. Wow, I guess I get easily tricked. Stupid me, thanks guys.
  21. To sell you more things on installment payments later.
  22. Sorry if I wasn't clear in my original post. This is not a replacement card. This is an Amex card I was approved for 1.5 years ago. As soon as I get a new card, I enter it into my password manager. When I entered it, I must have made a typo in the expiration year. All this time, I've been using that incorrect expiration year when making purchases online, including Amazon. So for example, let's say the correct expiration of the card is 03/24. Instead, I've been giving online merchants the expiration 03/25, and they've accepted it.
  23. Why would they need to pull my credit after I already got the lease? Technically it wasn’t a hard pull but soft. I’ll explain later.
  24. I hope it's clear that my comments always come with good intentions, and with your best interests at heart. I've made more than my share of stupid mistakes. Every day I just try to be less stupid than the day before... with mixed results.
  25. I wouldn't use anything from credit karma to wipe a bear's butt with.
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