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  2. 1-2 punch flow chart 1 2 3 4

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  3. CB list of lawyers 1 2 3 4 5

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  4. CB 'Hall of Fame' Threads

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  • Our picks

    • Tried again for a CLI with Apple.  Here’s the Dear Jane email I received:
       
      Goldman Sachs Bank USA could not approve your request for a credit limit increase because:
      You have not used and paid enough of your Apple Card credit limit since your last credit limit increase  
      Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.
      Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
      Your credit score (TransUnion FICO® Score 9) as of December 19, 2022:
      825
      Credit scores range from a low of 300 to a high of 850.
       
      ‘Have a decent line in excess of 20K, pay down every month before balance posts. It would seem odd if the algorithms think I’m not running anything through the card. Usual monthly spend is $1,200 or so. 
       
      As an aside, TU FICO 8 is 817. 
       
      Can’t figure out why I keep getting rejected. 
      • 8 replies
    • Long story short
       
      I have $200,000+ in personal Loans and Credit Card Debt. I am about to stop paying and let them default in March. 
       
      All the personal loans are new debt and are 6 months old. The credit card I have had for awhile. 
       
      I got screwed trying to start a new business, and can't afford to pay these back. I make $78k a year. 

      I have access to $150k cash
      I don't own a home
       
      Here are my debts
      Wells Fargo Credit Card $15k
      Wells Fargo Personal Loan $40k
      Sofi Personal Loan $70k
      Amex Personal Loan $9,500
      Laurel Road Personal Loan $30k
      Lightstream Personal Loan $20k
      Discover Personal Loan $35k

      I am trying to avoid chapter 13 bankruptcy. 
       
      So my questions are..., based on your experiences, do you think I'll be able to settle all these debts with my $150,000? Or will they not budge since the debt is so new?
       
      Will they just sue me right away and only take the full amount? 
       
      Will they consider this fraud because the debt is only 6 months old? 
       
      Please let me know what y'all think. Thanks!  
       
      PS. Please don't judge, my life is ruined for awhile so I am looking for serious help. 
      • 23 replies
    • Happy Credit New Year!
      • 16 replies
    • Is there a way to get such alerts apart from signing up for paid services?
       
      I'd love to get a text if any of the "big three" are thawed but haven't been able to figure out a way.  There's no such options at their websites and I don't think push notifications (from email) is available either.
       
      Any ideas appreciated!
      • 15 replies
    • Good Lord! 2 new Inquiries plus 4 new accounts, and no change in Vantage 4.0 score. Man, I tell y'all.
       
       
      • 7 replies
  • Posts

    • I believe the monthly minimum direct deposit is $1500 for Chase and maybe Alliant. With the type of checking I have, maintaining a certain account balance doesn't matter as long as I'm not overdrawn.
    • I see PayPal scams every week and I just delete them. The good news is I know I don't have a PayPal account so I can be sure this is a scam.   Every week I get a different scam in my email, mainly a Gmail Geek Squad scam from various entity, and every time I see it, I delete it.   You hover over the sender's address, and it's clear this isn't a legitimate sender you know, and you see letters that don't make sense.   Occasionally I get an email from Microsoft telling me that someone in Russia has logged into my Microsoft account, which looks legitimate, but I'm not going to be fooled.
    • I have Alliant Checking and Saving with no maintenance fees.   Chase has some requirements just like Bank of America have for free checking if you have direct deposit or maintain a certain average monthly balance on the account.
    • Exactly so. I should have mentioned that. Seems there are two aspects to the scam. Somebusiness just pay invoives w/o much checking.   in my case it was clearthey were also fishing. Claiming my computer was hacked and offering to help. No doubt they would go on to ask for access and probably plant malware. Didn't bite and just hung up. The "Paypal" rep that answered the phone was not Paypal.  Be careful. Especially watch out for anyone trying to scare you into doing something quickly that involves you giving them any personal info, passwords, remote access, etc.  Big red flag it's a scam..
    • It's not all doom and gloom yet. Major issuers are still handing out credit cards like drunken sailors. Still killing trees left and right, sending BT checks in the mail.   My random observations, tell me the business credit side is doing the same. Especially the fly by night fintech companies that cater towards businesses.    
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