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joeydtx

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About joeydtx

  • Birthday 03/17/1979

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    San Antonio, TX
  1. Just checking again if anyone has any insight
  2. joeydtx

    Collection reporting correctly?

    Gotcha, glad I asked Thanks!!
  3. Had an inquiry on this collection, as I am rebuilding after Ch.7. All my old accounts appears under Adverse, in this case in TU, but all report 0 balance and IIBed. Credit Karma however on EQ/TU both report this collection however as affecting my score and flag it as "Needs Attention", so I am not 100% sure if there is anything to do here... as it does show IIB in the notes. The account is an account IIB-ed with the original creditor, so are they allowed to have it posted to my CR? Placed For Collection:05/24/2017 Responsibility:Individual Account Account Type:Open Account Loan Type:DEBT BUYER Date Updated:12/15/2017 Last Payment Made::06/09/2015 Original Amount:$1,174 Original Creditor:CITIBANK NA (Banking) Pay Status:>Account Included in Bankruptcy<
  4. Sorry guys for late followup, and thanks for the posts. Think I will just chill on Discover for now, let the time pass and/or if they send me a pre-approval letter maybe jump on it then. I will ask though, better cards for advise in that area, but may want a bit on my current situation. I am just out of BK 7 from loss of income, discharged 12/2017 and burned major brands (Citi, Chase, few Synchrony with Amazon one of them, Discover, Cap One) So far, as soon as I got that letter followed advise and got the ball rolling on some secured with some surprise... Cap One. Also, income wise things have been very fortunate and income has increase a bit with overtime, so with it plus clean slate its been a rise in life... though I still feel the guilt of losing the relationships I had SSFCU - Main CU, got a secured CC for 3500 BCU (Baxter CU) - My employee credit union for 1000 Capital One Platinum - Approved for a Platinum 5 days after discharge for 2000, +500 in 2 more months from an email I got Hot Topic - Preapproved, for 350 (get a shirt or a Funko to keep 50 active at all times) Gamestop - (get a game or collectible to keep 50 active at all times) I have had long relationships with these two banks, Penfed and USAA, but only really have had a Savings. USAA used to be my main bank around 2009-2012, but when I found out being a partial member isnt very beneficial I decided to move my money elsewhere but kept it active. I was going to see about a checking with Penfed, but looks like its a HP and will be based on credit if they will open from what I been reviewing. So if there is any guidance or experience on these, though I know these goals are for future aspects In terms of better options than Discover, where should I look/start building a relationship with? Can USAA or PENFED be an option and would it be beneficial with either to try and deposit some money with them (25 or so a pay period) to show some activity for the future? If yes on Penfed, would they be friendly to BK, and what kind of scores should I have before applying for the Checking (if needed) or what card and scores? Think for my Amazon I will try and get back with their store card as Synchrony seems to be forgiving, but probably want to wait for a bit more time and scores to get higher. Have also been seeing that Cap One might give me another card after 6 months which would be in July, so was thinking of trying for their Quicksilver card since I been seeing it pop up on here as a fair choice... I checked the pre-qualify recently and i been seeing a Platinum and the Quicksilver One Rewards pop up.
  5. Thanks for the link, I will read into it. Was my favorite card, the IT I used primarily since I loved using it to get points to later shop on Amazon, though only 2k limit but used the stuff out of it. Sounds like they do not blacklist though from the link, maybe I could get one much later as time passes, just thought maybe if I contacted them somehow and paid it, maybe I could get into their graces sooner haha.
  6. HI All, Per the title, I had Discover but was included in my BK in this past year... they were actually the ones that forced my hand to initiate it since they had prepared a suit. Owed them about 2100, so I wondered if you can at some point get back into their graces by paying back the debt in full, and if anyone had any experience in doing so.
  7. joeydtx

    Advise/Tips on the Recovery Road

    May just be CK that is reporting open and think Unifund is closed since it is IIB-ed on all 3 reports from what I see on ordering online reports... will still wait to Feb and pull hard copies then. Also, along with if another secured card, my bank also does have a secured loan, so thought I would also inquire if that would be beneficial or should I just start saving my extra funds and just wait it out on the two cards I have. I do have a student loan deferred till Apr 2018, wonder if that will help with the "mix". If waiting it out is best course, then I will just save... see if I get any hits on the shopping card trick I read about or bite the bullet at maybe Old Navy or Wally when I see scores possibly around mid 600s. After my secured card posted, got a little jump but Cap 1 still hasn't reported... may not be till next since I had no balance. Guess I should have made this my own journey post haha Current as of 12/28 (all were around 555 post discharge) EX 592 / EQ 575 / TU 573
  8. So, after a tough time and Ch7 now behind me (11/27) , I am on my way to get back on the straight path. Right off the bat, as soon as I received the Discharge and Case Close notifications, I decided to try and get my hands on a CC to get the ball moving. So far... Secured CC from my CU - Cash Rewards 3500.00 secured limit, 12.7% (does not graduate, but hope to get a good enough relationship with my bank to apply unsecured. Earns interest, will be my main card for all purchases Unsecured Platinum from Capital One - Cash Rewards 2000.00, 22.9% after 6/18 (Will use sparsely after June) Both I will pay close to full every month. I do have an option to get another Secured card with my company's CU so quesiton here is it worth another secured? This one would be 18%, no rewards but the CU does review for additional line grants with no need to add funds.. and I can add more if I want. Credit reports I do plan to comb through to see if there is any issues in Feb, to give time for things to settle and update. As far as CK and MyFico, from what I see everything shows Closed except for a collection from Unifund. It has the marks for IIB, no balance according to the sites but the only thing I see that could be wrong is it shows OPEN. Is this correct? Is the best course for requesting a paper report, is it only a phone call? I remember long time ago I sent Certified/RR by mail and got them that way, but that was 8 or so years ago. Website does not seem to be very friendly as far as I can tell on the bureau's websites on requesting paper reports. Other then that, still reading to see what all I need to be doing. Any other ideas or suggestions, as I know this is a long journey to get back to where I was and rebuild to where I once was score wise, but never again on the shear card count wise that got me in this mess
  9. joeydtx

    So what did you get in the mail today?

    My Ch7 Discharge papers ... the sign of new beginnings.
  10. joeydtx

    Old Wamu Account

    Been awhile visiting, was wondering on something on a new account with Chase. For my story, I had a old Wamu account that was closed with a negative balance around 2005 and was sent to collections... according to the letters I was getting from a few CA. Currently I have two cards with Chase, Freedom and Amazon, it good standings. I would like to open a Savings at the bank as a backup account since my main bank is 10 miles away and Chase is literally a block away. It has been almost 10 years since this sad event happened in my life. What are the chances Chase will see this account still, do they have a long memory for this? Is it worth the risk, as I do not want to stir up a nest if they do and also see I am a CC customer. ~joeydtx
  11. joeydtx

    AMEX isn't the only one with FA - Macys

    Thanks SBA, Well, honestly the only time I ever called in was during my card application. All went well, the CSR was very nice and so was I, this was back in 2010. When I first called this number, I was greeted kindly, and she told me she was transferring me to that department after I let her know what was going on and got a gentleman. He was kind at first, said he was going to look at my account, then the tone changed to a somewhat mean way and told me that the information on file was associated with some fraud and that I had to place any online order in store. So I said I understood in a calm tone (I rarely get mad in person or by phone, only solo to vent since I shouldn't get mad at someone doing their job) and that was it. The 2nd call, the tone changed almost immediately to negative but again I never got mad. I only moved twice, my 2010 address I ordered one thing.. and my current since 2011 I have ordered a total of 6 online orders with the same address and phone number. I called them using my number on file as well.. had this number since 2007. Also I know some stores record returns, but never have I returned anything except one time because the shirt I had ordered was XL and they sent a L... had receipt and all in 2011. Maybe someone did attempt getting the calls to approve purchases, or maybe there is incorrectly filed notes. I will try at some point to call and ask for a supervisor, its just weird why it happened out of the blue. If I am doomed to the store, so be it but if I can get it at JCP/Kohls or another store it will be their loss at this point. JD
  12. joeydtx

    AMEX isn't the only one with FA - Macys

    Just an update on my experience with the store visit. Went in, pleaded my case, and service reps were completely lost because they never heard of such a thing and could not do anything. They did call the main line, checked and confirmed nothing was wrong with my credit account with Fraud dept stating my CC was clear and free to use. Then transferred me to .com dept to try and place the order in store, but over the phone, with the same result.. order cancelled within 30 seconds. So I tried to buy a couple things in store, no problems whatsoever, so they told me to try and recreate a new online profile, and again Consumer Protection dept cancelled my order. Calling them yielded the same, same mean tone acting like I was doing something wrong with even thinking and the nerve of placing an online order. All they said is my information is tying to some type of fraud and I need to place orders in store... no other information will be given. So really, no clue what I am suppose to do, except file a complaint on Macys. If SBA does happen to see this and might know, it would be great. If you are curious about the message I get: Your order couldn't be processed. Please call the Consumer Protection department immediately to resolve this issue at 1-866-282-8977 (Monday-Saturday 9am-9pm, Sunday 9am-7pm). No charges were placed on your account. Merry Christmas all, JD
  13. If you have a relationship with them (banking, CC, etc) you should be able to sign back up for it. If that is your only product and you are not member criteria eligible then probably not since their membership is closed
  14. joeydtx

    AMEX isn't the only one with FA - Macys

    Eventually I will visit a store in the future, but I had already went ahead and ordered them via Sephora since it looks like they now carry the brand my relatives like. Normally I understand, usual purchase somewhere and I am always prepared for an issuer to deny a card for this reason and carry backup. It has happen once on my Citi, credit unions, Discover cards... and if I know its a 500+ purchase I go into my CU branch to let them know (literally right next door to my home) and I clear it up within a few minutes. What made me mad at the time was the fact that I called as requested from the number that is on my account, answered the questions I was asked that match it including statements, and then accused of fraud activity with no further answers or who to talk to with a stern tone talking to me like I was a criminal from a department that was Consumer Protection but sounded like interrogation. Kind of makes me wonder if I go to the store, they are going to say I am not me despite my ID and try to arrest me. Thanks for all the comments, I was upset yesterday since I was trying to finish my Christmas shopping and that happened but I am no longer worried. Seems as JCP has a lot now of what they didn't before and not overpriced like Macys... may just have the card cleared up but sock drawer-ed at some point. JCP loved to increase my limit every 3 months too without me asking, and with all the sales/coupons I get I got the gifts and a few things for me JD
  15. So I placed an online order with Macy's today, small order of 160 with a 1k limit for a perfume and small gift I typically buy for my relatives... been at 0 since Oct. I get email that it has been cancelled, asking me to call and so I do. I get transferred to a Consumer Protection unit, and after 5 minutes he tells me that my information on file is associated with some type of fraud something and that any shopping I do has to be in store. I am like, what... but he simply repeats the same thing and refuses to give me anyone to talk to or any further details. I use this card normally only at Christmas, since the gift is for a perfumes they have... so I am kinda angry at this. I have not moved, I have not done anything "suspicious" on this account as it only gets used 1-2 times a year and everything is delivered to my current address. Anyone heard about this happening or happened to anyone? I checked my CRs and USAA monitoring, there is nothing out of place. Kinda ridiculous that sure there is something wrong, but we can't tell you jack about it. So if I go to the store, am I gonna get denied there too /angry JD

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