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  1. 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.
  2. 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.
  3. After being stuck at a $700 line of credit on my PayPal Cashback Mastercard for 18 months, I finally got an increase via the luv button. This card was my lowest limit. I had typed in $5000 knowing a counter offer was possible and received an offer of $2100. Better then zero. What I'm confused about is the 7-10 letter that arrived today. The reason confuses me: "Amount requested too high in relation to your previous credit line". No other reasons listed. I've never had any Synchrony cards outside of being an authorized user on my ex-wife's Walmart card so I can't think of anything else this adverse reason might mean. Any ideas? I'd call Sync, but they outsource their "underwriters" and they seem to read from a script.
  4. RPM is not a debt buyer. They are collecting on behalf of T-Mobile. If it were me I would want to put this alleged debt to rest for good. Go to the source.
  5. How could you file against the collection agency? You don't have an agreement with them. You have one with T-Mobile. Work with that...
  6. I know someone who had a TL from RPM in regards to T-Mobile on their reports and immediately filed arb. To the best of my knowledge the issue was resolved.
  7. Not afraid of the HP's so I did apply for a new card. I applied for their 3-2-1 card without the annual fee. I was denied due to bankruptcy, lack of credit history among other things, blah blah blah. Called UW again asked from reconsideration and was told no. Asked again about the fee waiver for my other BofA card and she apologized to me. She said the other UW's had misinformed me. She said if a card has an annual fee at application, it stays with the card until it is cancelled. There is no waiving. So yes at this point I've moved on to EO. At this point I'm willing to meet them half way...
  8. I did call an UW twice prior to the notice and the advice I was given is no call can be made prior to the fee actually hitting the account. I think the best course of action is like you said. 3) try to PC to something without a fee I guess I could also ask for a one time fee waiver but its looking grim.
  9. This is my second year with my 3-2-1 BofA Visa card. It started off as a secured however has since graduated. BofA does not remove the annual fee upon graduation. I called the BofA back door number because my annual fee appeared on my statement. UW told me negative. Bank want to see more credit experience. I have nothing derogatory since Chapter 7 BK in 2013. No collections, no lates, nothing. Five cards total. I asked if I will received an adverse action letter and UW told me no. So I'm confused as to what their decision was based on. My scores are hovering around 660-665. Depending on who you ask. Anyone have positive experience with BofA removing or waiving the annual fee? Any tips?
  10. Princeton Junction, NJ
  11. Chapter 7, discharged April 2013. TU FICO 662 I have a few other cards: Capital One Savor: $5500, Barclaycard Rewards: $2500, Alliant Visa Platinum: $4000, Firestone: $2200, PayPal CashBack MC: $700 and this BofA 3-2-1 Rewards which was upped to $2200 unsecured from $300 secured. BofA card was opened September 2017. No derogs since BK.
  12. I received a pleasant surprise in my mailbox yesterday. It was my $300 deposit from my BofA 3-2-1 card. I wasn't expecting it since I didn't ask and I'm not at the twelve month mark either. My question to those that have done this before is: I know BofA does not drop the AF when graduating the cards. So what is the best strategy to go about obtaining a AF free card? Should I first apply for a new card and use the back door and explain my situation? My anniversary date is in September so that is when my AF ($39) gets charged again. Lucky for me, I bought enough gas with 3% rewards to make the AF back. :-)
  13. Bruno is right ChewieBearStare, Citi agreements generally have a small claim prohibition. I'm already in arb with JH. Check your card member agreements. Most Citi agreements say Citi won't arbitrate a debt unless you claim wrongdoing on the part of Citi. (Who is now really JH)
  14. I had the same issue with them regarding a CLI. Their call centers are always outsourced. They follow a script and do not deviate from it. Don't waste your breathe trying to explain to them you only have a VoIP landline and a obscure MVNO provider. My last call I actually thought the rep processed my CLI and would only tell me the answer if reveal the code which I did. Instead I received a letter from Sync saying they couldn't verify me via all sorts of online databases even though I'm their card member. Borrow a family or friend's cell who uses a major provider. Temporarily update your account and use that when you plan to call for a CLI in the future.

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