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  1. I finally got approved. $3000 limit. I have a feeling my troubles were caused by having ARS, Sagestream and LN on ice. However they approved me 24 hours after security cleared me. Very poor communication.
  2. After two weeks of calling everyday finally approved! U.S. Bank Cash 365 American Express - $3000.
  3. Princeton Junction
  4. What an understatement.
  5. Anyone have any recent experience with US Bank? I applied for a 365 Amex and was declined. They pulled EX, other reports are on ice. I called the backdoor number and asked for recon on Monday and I've been calling everyday since to track whats going on. I'm not getting any email updates so the communication is poor. Backdoor rep told me 2 to 5 business days to receive an answer on recon. This morning I did my call to the backdoor number again and it appears they need a copy of my license and ssn for the "Know Your Customer" law. I asked if I was approved yet, however there is still no answer on that. I find the length of time it's taking and the demand for ID/SSN unusual but I'm complying. Anyone have a similar experience?
  6. Approved before the labor day weekend: PNC Cash Rewards $4k Downside: Received the highest possible APR of 24.99%
  7. The answer remains the same as a similar previous post you made about IC Systems:
  8. If they report, the information must be accurate. From what you are saying, the information they transmitted to the CRA's is accurate. You paid an account after it was turned over to collections. (I know it's not the answer you want to hear.) A better technique might of been to negotiate a PFD with the CA. You lost your leverage. If this were me I'd dispute again at a later date and hope it falls off.
  9. I've hinted really hard here. PM me if you want to talk.
  10. Correct, believe us the $200 or $250 (depending on AAA or JAMS) is a small investment to make to defend a "LARGE upper 5 figures" claim. If I were you I would use to my advantage that JH suffers from an Achilles Heel: The right hand doesn't know what the left is doing.
  11. SOFI can't accept your money. The debt has been sold to JH for pennies on the dollar. JH is now the entity you allegedly owe, not SOFI. JH is a debt buyer not a debt collector. (Generally speaking, not legally speaking) JH will actually send debt collectors after you on their behalf. There's a few companies they use. It's not enough to "elect" arbitration IMHO. Actually file.
  12. Word on the street is arbitration makes them head for the hills. Hint hint...
  13. Called Alliant yesterday. I spoke with UW to put thru an app for CLI and interest rate decrease. Said I could only pick one. So I picked CLI. Hard pull on TU. Went from $4k -> $5k. Not big but something. 🙂
  14. I call the number from the running back door thread here. 877-379-8175 I started high trying to match my highest credit limit $5.5k and then worked my way down every call. I always ask if there is a counter offer and the answer is always no. My final call was April 2019, I only asked for $1k, again the answer was no. I guess on the bright side I've gotten seven free TU reports. I decided if they would no raise me higher than $700 I would just close it and take a hit but I lucked out. And no, my TU has not been on ice the whole time. Only since May 1, 2019. If it's on ice they will tell in the adverse action letter to unfreeze. Yes, they appear to be score driven. I had two baddies recently drop off before I hit the button that were included in bankruptcy. The bankruptcy itself is the only baddie that remains until 2022. Though according to my current FICO it doesn't appear to have actually increased my score at all.
  15. Well I was batting 0 and 7 calling them for 18 months, so I figured what the heck. The answer was always no. Was actually surprised to see it work. (Had to take TU off ice before it would work oddly enough) When you call them they are always all business and there never appears to be any negotiating. The computer says yes or no and it is what it is. However I'll take your advice and call in three months.

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