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Everything posted by sable

  1. Hello all!, I recently just closed on a house a few weeks ago, and as I'm getting everything settled in, there are a few things that I need (washer, dryer, lawn mower, etc.) I was looking at some of the deals that these 2 stores had, and wondered if any of you had an recommendations between the 2. From what I've read, Lowe's is Sync and Home Depot is CITI. I took a look at the credit pulls data base, but there was little to go on from there, as most were from years ago. Thanks!
  2. Thanks. Any advice on where to get pre approved from ?
  3. Hello all. I haven’t posted much in this forum, but spent all last year working on and rebuilding my credit to be able to purchase a home. After being successful and finally seeing all of my negative TLs fall off today, I pulled my Fico to see what mortgage scores were. Fico 8’s are 725, 707, and 672. My mortgage scores are 692, 689, and 672. If I calculated my DTI correctly it comes out at 36%. (gross monthly income \ monthly expenses. A few questions; are my scores and DTI good enough to qualify? And about $1900 of my monthly income is commissions (it can go up, but 1900 is the floor) how would a lender see a base salary + commission income? Would that hold me back any? I’ve got w2’s and pay Stubbs with the same company going back 5 years showing consistent monthly income in this range. And would a local CU be best to try to go through rather than one of the online lenders? Any help would be appreciated. Thanks! Sent from my iPhone using Tapatalk
  4. So, I've been posting the last 6 months about EQ being the one who completely refused to remove any of my 5 negative items. I had success with EX, and TU, I tried multiple Jack Attacks with EQ, CFPB complaints twice on their response and refusal to investigate or correct the wrong information on all of these TL's. I finally gave up on them as they were scheduled to drop off of EQ in late 2018, and TU and EX were now clean. So, I go and refresh my free 3 report on CCT this morning, and the score didn't change much for EQ ( it was around 650, and increased to 672) so I didn't think much. When I clicked on the details... ALL 5 negatives were gone!. Don't know how, or why. It has been a while since I ordered a MyFico, so I went ahead did that to make sure CCT wasn't off. Yep, all still gone. I'm wondering why my scores vary so much EX is at 725 now, TU at 707, and EQ at 672. Almost identical profiles on each one... Anyway, maybe there's hope for some of you others having issues with getting things removed on EQ a little bit early!!, or maybe I just got lucky... either way, I'll take that win. Thanks
  5. Hello all, After having success with removing the CO's and baddies from EX and TU, I have an old auto loan (Wells Fargo) from around 2010 that has some lates on it between 2011 and 2013. It was ultimately paid off and closed, but wanted to see if you all had some success stories for removing the lates. Throughout my repair last year, this was disputed as an account all together whether it was via Jack Attack or other methods, but has remained. I thought about going after the late payments now to see if I might have some success that way. EX: 2011: Aug, Sept, Oct, Nov, Dec 2012: Oct, Nov, Dec 2013: Jan, Mar, Apr, May, June, Jul EQ: 2011: Jan, May, July, Aug, Sept, Oct, Nov, Dec 2012: Oct, Nov, Dec 2013: Jan, Mar, Apr, May, June, July TU: 2011: May, July, Aug, Sept, Oct, Nov, Dec 2012: Oct, Nov, Dec 2013: Jan, Mar, Apr, May, June Thanks!
  6. Thanks for the replies. I’ll hold off on adding another Amex. Just hate having other cards at 17k, and 10k and 2 low limit Amex’s. Maybe I’ll try again around the middle of the year to increase both of them. The last time I asked for increases, my EX score was around 650. Sent from my iPhone using Tapatalk
  7. After double digit phone calls to get an old Cap one CO removed from EX, I finally got a car that removed it yesterday. Checked CCT this morning and score increased to 724!!. This was 662 yesterday. So, I have a question.... I now have 5 cards, and I had planned on letting them garden with that number. I've gotten in with AMEX with 2 cards, but both with low $1000 limits. I've tried the 3x CLI, but was denied for both. Should I apply for just one more AMEX to get a higher limit now that my score is at 724? or leave it alone and let them continue to garden? Thanks!
  8. What were those items? It could be the way the creditor reported it to Experian. One is a CO from Capital One, the other is an old Macy’s store card. Sent from my iPhone using Tapatalk
  9. I just tried the 7th and 8th time to get 2 items deleted from Experian that are scheduled to fall off in March.... less than 30 days away. No dice. The last guy told me to call back the last week of February. So it looks like EX is as stubborn as Equifax now. I've had NO luck with them on deleting any earlier. TU was great, 6 months out, deleted within days of dispute
  10. Well, after call #5, and #6 right after. I was told absolutely not, they cannot delete these items, and they will remain until 3/18. Looks like EX is not going to budge on any early obsoletes now.
  11. Trying for the 5th time right now to get the last 2 negitives removed from EX, scheduled to fall off 3/18 (1.5 months away). With those who have had luck, what talk track did you have luck with? I've been stone walled every time I've called EX, and I see people getting things removed 3 months out with them. BTW.. the number I've had success with getting in touch with a live person is 800-493-1058. Thanks!
  12. Just called and finally spoke to someone with EX. I have 2 TL's scheduled to drop off in March, and 1 that was scheduled to drop off the 14th of this month. The rep stated that he could go ahead and delete the one scheduled for this month, but he absolutely couldn't do anything about the 2 scheduled to fall off in March. Guess I'll call back and wait another 40 minutes to get someone, lol.
  13. I have this question as well. All of the numbers that I searched for and found only give me the option for order my score, or order my report. Tried pushing 0 and saying operator, but no go.
  14. CCT info doesn't update in real time. You can call EX Monday for the status of your request. Sometime the CSR would try to remove account on the spot or tell you when it will come off. For obsolete delete it's ok to HUCA. Nothing to lose.Cool, thanks. I was just wondering, as TU was within 2 days after the dispute. Those dates on EX should work for obsolete correct? Sent from my iPhone using Tapatalk
  15. What has everyone’s timeline looked like for EX? I have 3 TLs. 1 has a drop off date of 1/18, the other 2 had dates of 3/18. I disputed all online as “other” and out too old to be on account in the comments on 12/1. Still haven’t got a response, and CCT still has them on the report. Sent from my iPhone using Tapatalk
  16. So, I have a $200 or so charge off from BofA that is a little over 8 years old...maybe longer. It hasn't been on my reports since I started repair in January. I get a letter 2 weeks ago from Capital Management Services, LP stating that they have been engaged by CACH, LLC to resolve a delinquent debt in that amount. It goes on to say that because of age they will not sue, bla bla, but states that CACH may report or continue to report it to the CRA's. I sent them a standard DV per usual, and I got a response back, and it's a statement from BofA with a due date of 12/4/2011. No other info. A few things confuse me here. Are CACH and CMG both CA's? Also, What should the response to this be? Not sure why it is saying the account holder is CACH, but CMG is sending on their behalf? Thanks!
  17. Ended up going with another Barclays product. Apple rewards for 7k!. Now I have my 5 cards to garden with a total of 50k in available credit !! The 2 AMEX are low with only 1k each, but I should be able to raise those limits. Not sure how good Barclays is with CLI’s.
  18. Thanks BigBear, any advice on which card to make the 5th? You can see my current profile of cards.Obviously, My TU score and report are the best, but haven’t found many cards other than Barclay that pull only TU.
  19. Thanks, Mainly stay at Marriotts, but when looking for a Marriott card, I see that Chase holds them.... I'm sure I'm blacklisted with them, I CO'd from 2010. But, I'll be staying at Hilton's when I travel now!
  20. So after trying with Barclays before in the mid 600's and some negatives and being denied, now that my TU hit 711 bankcard score.. I tried again, this time for the AAdvanage card.. $8,000 instant approval! . Now I have an NFCU platinum, 2 AMEX, and a Barclays. Decent starting limit at 8k too!. I think with 4 cards now and a CLOC, I'll leave it to garden next year. I have 4 inq's on EQ and TU, and 3 on EX. What do you all think? stay at 4 cards? Thanks CB!
  21. I got my first AMEX ever 4 months ago. Was approved for $1000 for the everyday card. I just logged on and applied for the Hilton Honors card and was approved! . I want to have at least 4 to 5 cards before I let them garden next year (reports will be clean of negatives in Jan). The only thing is... I got the approval message, the approval email, but no limit? I called in and customer service said that the system hasn't updated yet, and the new accounts team is off until tomorrow.. I guess I'll have to wait to see the limit. So far my positive TL's are below NFCU Platinum: $17,900 AMEX Everyday: $1,000 NFCU: Auto Loan NFCU CLOC: $15,000 AMEX Hilton Honors: ?? Paid off Auto loan: 4 years Thanks CB!!
  22. Very nice. EQ is a hard one to tackle. I've had luck with TU and EX, but EQ completely refuses to budge.

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