Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


ukbball

Members
  • Content Count

    172
  • Joined

  • Last visited

  1. I am a mortage loan officer. What my bank does is any inquires 120 days from the date of application have to be documented as to whether a new account resulted from the pull. So you will have To provide the terms of that car loan to your loan officer. It will be counted in you debt to income ratio.
  2. What is the 10 year forgiveness threshold? I see the Op referenced that the identity theft happened 10 years ago. But I did not see a mention of an Amex threshold....Just curious as to what that is
  3. I unenrolled and then re enrolled and my score history came back In few days....
  4. They should send you a letter in the mail confirming the zero percent terms as well...I have called and transferred two different balances and received a letter confirming both times
  5. I have PNC and they have always been great to deal with....
  6. ukbball

    OMG!OMG!OMG!

    Congrats! Instant approval usually means no hard pull for the request. I hope not ...I was approved for cash rewards a couple weeks ago...So I hope they used the info from that pull ....even if it was a hard, it is one I am willing to take...
  7. ukbball

    OMG!OMG!OMG!

    OK I am sitting here in a boring NC Mortgage law Webinar ....decided to do a CLI request on my newly unsecured card....The card had been secured at 2000....I requested a 15,000 dollar limit....It was instantly Approved!! It is already available for use....Wow just Wow thats all I can say....
  8. ukbball

    OMG!OMG!OMG!

    I really didn't expect it...I had read about others who had the "magic unsecuring" all of a sudden so I decided to wait it out....I told myself they surely wouldn't keep my deposit tied up forever...lol Congrats ukbball. Was this your 13th month, or did they just do it based on your pending request? Oh no I am waaay past the 13th month...Thats why I was told it would never unsecure....I have had this account since July 2010 ....So I assume it comes from my request.... Well that is good news either way, congrats. Did they give you an increase or just left it at what you had it secured at? Sorry for so many questions - just wondering what to expect in my 13th month in August. They left the limit the same as what I had on deposit...There was no auto CLI....I am planning to do a product change and ask for a CLI at that time... Product changes are pretty simple with Navy. Just call and tell them what card you want. Hey Thanks for the info...They do let you keep the same account number don't they? I mean it won't report as a new account will it? As long as it is a Visa it shouldn't...but the Platinum only comes in MC, so that may end up reporting as a new account since the first four would change AHHH Really I didnt know that ...Well I better change plans then that would defeat the whole purpose of unsecuring ...I was really looking for a low rate card with them though ...I will have to look at the offerings more closely
  9. ukbball

    OMG!OMG!OMG!

    I really didn't expect it...I had read about others who had the "magic unsecuring" all of a sudden so I decided to wait it out....I told myself they surely wouldn't keep my deposit tied up forever...lol Congrats ukbball. Was this your 13th month, or did they just do it based on your pending request? Oh no I am waaay past the 13th month...Thats why I was told it would never unsecure....I have had this account since July 2010 ....So I assume it comes from my request.... Well that is good news either way, congrats. Did they give you an increase or just left it at what you had it secured at? Sorry for so many questions - just wondering what to expect in my 13th month in August. They left the limit the same as what I had on deposit...There was no auto CLI....I am planning to do a product change and ask for a CLI at that time... Product changes are pretty simple with Navy. Just call and tell them what card you want. Hey Thanks for the info...They do let you keep the same account number don't they? I mean it won't report as a new account will it?
  10. ukbball

    OMG!OMG!OMG!

    I really didn't expect it...I had read about others who had the "magic unsecuring" all of a sudden so I decided to wait it out....I told myself they surely wouldn't keep my deposit tied up forever...lol Congrats ukbball. Was this your 13th month, or did they just do it based on your pending request? Oh no I am waaay past the 13th month...Thats why I was told it would never unsecure....I have had this account since July 2010 ....So I assume it comes from my request.... Well that is good news either way, congrats. Did they give you an increase or just left it at what you had it secured at? Sorry for so many questions - just wondering what to expect in my 13th month in August. They left the limit the same as what I had on deposit...There was no auto CLI....I am planning to do a product change and ask for a CLI at that time...
  11. ukbball

    OMG!OMG!OMG!

    I really didn't expect it...I had read about others who had the "magic unsecuring" all of a sudden so I decided to wait it out....I told myself they surely wouldn't keep my deposit tied up forever...lol Congrats ukbball. Was this your 13th month, or did they just do it based on your pending request? Oh no I am waaay past the 13th month...Thats why I was told it would never unsecure....I have had this account since July 2010 ....So I assume it comes from my request....
  12. ukbball

    OMG!OMG!OMG!

    I really didn't expect it...I had read about others who had the "magic unsecuring" all of a sudden so I decided to wait it out....I told myself they surely wouldn't keep my deposit tied up forever...lol
  13. I had another thread where I was approved for a Cash Rewards Visa Siggy earlier this month. I sent a secure message to see if they would unsecure my Nrewards based off of that credit pull. I never receive a reply to my secure message (and still haven't). I talked to a CSR last week who checked with a supervisor who told me that if the card didn't unsecure at month 13 it would never be eligible to unsecure. Her only suggestion was close the account and re open a new one. (which I obviously did not want to do).During my morning account check....It was suddenly unsecured!!!! I am so happy and I had no one besides CB to share my elation with...You guys are the only ones who could fully appreciate how I feel....LOL Has anyone had any experience in doing a PC with NFCU? I think I want the Platinum card.
  14. LOL I like the way you think....and knowing my impulsiveness I probably will...just kinda wanted the safety net of that pre approval..
  15. Is there any particular trick to start getting pre approved offers from Amex? Or do you have to just wait till they troll around and find you? For those they were not getting offers then started getting them what was your fico score when consistently start getting pre approvals?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines