JaseT

A $50k reduction in the CL and a hard pull? That sucks! Sorry M8. 😢

Coupon from P&G for a free Tide Detergent product up to $12 to make up for a bottle that won't stop leaking. Some letter from a local mortuary. Afraid to open it. Usual weekly junk advertisements.

My CLI offers showed up around the year mark. I'd wait until then as it shouldn't cost you an INQ.

Congrats! I love my Lowes card!

Refresh my memory: if you dispute an item and it comes back verified (instead of being deleted) and the status is updated to the current date, does it affect your FICO?

I don't think Chase will ever let me back in....I'm on the blacklist for sure!

Congrats! Feels pretty dang good, doesn't it?!

I wonder if HSBC will put up as much of a fight on closed account disputes now that Cap1 is taking over their cards?

My PR Gold and Zync have the holo stripe. So does my Discover now that I think about it.

It's quarterly, Jase. Next one is due in June. Oops! You're correct....told you I rarely look at it!

What are you negatives?

Just curious if anybody knows if AMEX will do a hard pull to upgrade a PR Gold to Platinum? AMEX told me that they would upgrade me and apply the AF that I already paid on my PR Gold to the Platinum AF. AMEX softs me regularly (which I don't care about) but I don't want a hard pull for an upgrade. I know I can ask them about it, but I'd rather ask my fellow CB'ers.....you all know so much more than the CS reps!

They aren't obligated to report in the first place, but if they do, it has to be accurate. Deleting the entire entry = no information being reported. I think that if you arrange a PFD and then try to turn the tables on them that you're just playing with fire.....and likely destroying the chance that future credit rebuilders will have the opportunity to PFD, even when they have every intention of doing so. Fair enough, it was just a thought And I'm glad you brought it up here before trying it!

Join Alliant CU for a monthly EX Vantage score. I rarely even look at mine.

They aren't obligated to report in the first place, but if they do, it has to be accurate. Deleting the entire entry = no information being reported. I think that if you arrange a PFD and then try to turn the tables on them that you're just playing with fire.....and likely destroying the chance that future credit rebuilders will have the opportunity to PFD, even when they have every intention of doing so.