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.


  • Content Count

  • Joined

  • Last visited

Everything posted by greendude

  1. Thanks that helps me to understand. The creditor is Capital One. I'll try talking to them, however not very hopeful since this was a distressed credit account at that time. They dont even want to waive the annual fee on it even now after 10 yrs or swap this product to a non-fee product.
  2. Hi, I have an account 10+ yrs old. It has a late payment 6.5 yrs ago. I was to ask to early deletion. It has good payment history all the way after and I would like that late marker to be removed early since its expected to fall in 6 mths (per 7 yr age) anyway. How exactly should I put in the online dispute to request this ? Or should I do it on phone ? When I dispute it will the whole account go away from my credit file or just the 6.5 yr old late payment entry/marker ? I do want to keep the account on file since it helps me with AAOA as I have a bunch of 2-3 yr old accounts. TIA!!
  3. They do, but real payees would have no problems. For payees that are not businesses like a caregiver for e.g. youd need to send them an invoice from the payee.
  4. It was avail online but I dont remember saying yes... Does it ask you in a popup ?
  5. I had read somewhere on this site that Citibank CLI reqs were SPs. Looks like they do HPs.
  6. Does Plastiq work for you ? Meaning do you have payments you could send on your card instead of cash ?
  7. What should be referred email ID be - something different or the same will do ? Since I need it to get attached to the same online account eventually.
  8. Hi, I think there was a procedure to ask for early deletion of Lates when its 6 mths away from fall off date ( i.e. 6.5 yrs from Delinquency Date). The last time I tried it with Experian she just kept repeating like a dumbo it will fall off when it falls off and had no idea what I was talking about. I just gave up and decided to wait 6 mths. There is another couple of lates reaching the 6.5 yrs mark soon on my report. Whats the right way to ask for courtesy deletion. Thanks
  9. Online, 1st card they asked me to call in to confirm I applied and confirm address. 2nd card immediate approval online.
  10. DW's Comcast acct went to Convergent for debt collection for $175. Its 2 years old. Just showed up and tanked her score. Its the only collection. Whats the best way to deal with it ? TIA.
  11. LOL. Yep they're junk in customer service. I was their banking customer very long ago but that mustve dropped off the records now. Good BT and purchase terms are hard to come by on Business cards that don't report to personal and they're just that. Now after this denial I do want to screw them over for SUBs at some point, they'll be in my sights lol
  12. Well, screw Barclays. But the US Bank denial hurt. They cited the late from 6 yrs ago as the only reason. Thats the only negative on my profile. Average Age isnt great - 5.5 yrs, Oldest 12.5. US Bank Platinum is the best BT and 0% APR business card around.
  13. Very interesting, I didn't know that they meant so little if the rest of the profile is strong enough. Simulation does not show anything making a difference other than waiting for the next 18 mths when a late payment falls off so I don't think I could do anything to make it stronger.
  14. Also, Barclays denied. On recon they denied again, they said credits ok but reason for denial was "Too many recent inquiries shows aggressive credit seeking"
  15. Just an update Chase - 2 business cards approved 16.5K, 22K. They asked for same docs both times - proof of FEIN and Business physical address. Acceptable Proof of business physical address is utlilty bills, FEIN doc having same address etc. I gave them my home electricity bill which was in company's name. Took one month for all the docs to be sent, recd, processed. Amex - 2 cards approved 13.5k, 13.5k , no HP (used SP from personal). No docs needed. 3rd denied. Said too many Amex cards in given period. 2 possible every 90 days. Bofa - 3 cards approved 3.5k x 3. One HP for all apps. No docs needed. Citi - 1 approved 8k. no docs. Nothing moved on doc for 1 week then boom. US Bank - Denied
  16. Plastiq has a promo going on with 1% fees on payments put on MC cards.
  17. I found Chase allows you to have multiple Business cards of the same kind with the SUBs still applicable on new apps. Eg you could have 2 Business Ink Preferred with the 80k UR points available on both.
  18. IDK really. Because I got from the all the others I guess. And I thought I'd explain that business hasn't established credit in Business Credit Reports yet and since cards go by personal it should get approved like the others if looked at by an analyst manually. I thought since its already done a HP, it cant hurt to recon. Didn't realize they'd HP again in one day.
  19. Barclays declined my business card app with the reasons being "There arent enough trade lines" and "Credit limits are too low" - guessing they must be looking at DNB or some other Business Credit report ? WTF would "Not Enough Trade Lines" matter for a 7 yr old business for them when it didnt matter to Amex, BofA, Chase, Citi. They all gave me multiple cards at the same time as Barclays app. When I called to recon and spoke to a credit analyst, they declined again. This time there was only one reason - "Too many inquiries on credit profile". The guy had said he sees 4 inquiries within a month and thats aggressive credit seeking. No new inquiries had gone in after they pulled the first time. But they came up with a new reason altogether. Anyway, the recon put another hard inquiry on the report. Idiots.
  20. Thanks credit_help, just looking to plan. I was thinking if they're going to limit me like Amex, I would want to plan and get CLIs on the business cards rather than personal.
  21. Hey Guys, I've found Amex will only let you do one CLI req every 6 mths on ANY ONE account (business and personal combined) so we have to be careful which one you ask on. Will BofA allow you to put in CLI reqs on multiple accounts or only one across all cards per N months like AMEX ? Thanks
  22. Hey guys, DW is going to do an app spree. Her objective is to get a few cards and rack up CLs in the next year or so. Her score is around 700 with one derog (a 30-day late payment in Feb 2018). Which are the banks that don't do HPs for CLIs ? Thanks
  23. Rejected by Barclays for Business Credit Cards. Said credit report is good but 5 inquiries within this month is aggressive credit seeking. Pls apply again after a while. Scores are 740ish.

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