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mannyj

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Everything posted by mannyj

  1. Got an update on this. I’m in the process of moving so I don’t have all of my records at my disposal since much of my things are still in storage. However, I was able to locate one of the last payments I made to the OC (Fingerhut) a screenprint with transaction ID showing before my payment the balance on the acct was 477.00 then I made an a payment for 238. The tricky thing here is I found an email from 2016 with response back from Fingerhut where I was disputing the charges of 477 on the account and I believed the true balance at the time was $238.97 which is what I paid. A representative responded via email which I have stating they no longer had the account and could not provide any additional information. I tried calling Fingerhut again today to see if I could get any information at all and both the credit and collection department had no information in their system whatsoever for me, how should I proceed with the CA? (sorry for the long post)
  2. I'm afraid you may be correct, that is the date that is listed on the Exp report. It says on record to May 2021. I can't have that on my report unpaid.
  3. Ok I managed to put my hands on some notes I took when the CA called me. Opened: 9/2013 Closed: 1/23/2015
  4. I asked for the DOFD to be verified in my kitchen sink letter but it appears Experian did not provide that it just came back "Verified" updated with not much info at all changing. Should I send another letter specifically asking the CRA to verify DOFD?
  5. I do not, recently moved a lot of stuff is still in storage. I believe this may still be under sol for NY. If I remember correct I successfully disputed the OC off.
  6. Hegemony...long time, howdy! I actually don't know the DOFD because the OC is not reporting and this collection junk buyer agency just has a line item that says, "On Record Until May 2021" The OC info they have in the historical info field says First Reported 8/2019 (This is clearly not the DOFD)
  7. I joined this board in 2010 and it took years and hard work to get all the baddies off my report (Thanks CB). Then out of the blue I get a baddie on my Exp report from a CO named Williams & Rivera Litigation. They are trying to collect on a old Fingerhut account that is no longer reporting. I attempted a old WhyChat kitchen sink type dispute letter that has worked for me many many times in the past but it came back today as "Verified". My question is, what is the best approach from here? Its a $400 CO with a collection agency, the OC is not reporting anymore, I disputed them off years ago.
  8. mannyj

    Amex Delta Gold

    New York
  9. mannyj

    Amex Platinum

    New York
  10. Def chuck CreditOne. Can your secureds not graduate? You've no doubt noticed the prevailing anti-Disco sentiment here on CB but it's not shared by me; they've actually been quite good to me & helpful in keeping my scores up. For that and other reasons I'd hold on to them & see about the other secureds graduating. Walmart schmalmart, I always say (I feel about them the way the rest of CB feels about Disco; I've never set foot in any of their stores.) Personally I'd keep the Overstock since you've already taken the AAOA hit for it and Comenity cards are fairly easy to grow. More than 10K of my available credit is off of my three Comenity cards. If I had it to do over again I probably wouldn't have opened at least two of them but if they're opened anyway you can make them work for you. Credit One is super sub but they have given me two cl increases in the same amount of time I've had the secureds, all my secureds are over 18mo old, have not graduated yet I'm sick of it. CreditOne loves to hand out CLI's because they understand that a good chunk of their cardholder base consists of the type of financial ninnies who always max out their credit cards. They get no points, no status as a CB-approved lender for their "generous" CLI's. What have Disco, US, and FNBO said when you asked them for increases? They have all gave me the same excuse, "we periodically review blah blah blah, my guess is I have little to no activity on them and that's the reason they haven't graduated, I was focused on building relationships with my unsecured cards that I neglected the activity on the secureds.
  11. Def chuck CreditOne. Can your secureds not graduate? You've no doubt noticed the prevailing anti-Disco sentiment here on CB but it's not shared by me; they've actually been quite good to me & helpful in keeping my scores up. For that and other reasons I'd hold on to them & see about the other secureds graduating. Walmart schmalmart, I always say (I feel about them the way the rest of CB feels about Disco; I've never set foot in any of their stores.) Personally I'd keep the Overstock since you've already taken the AAOA hit for it and Comenity cards are fairly easy to grow. More than 10K of my available credit is off of my three Comenity cards. If I had it to do over again I probably wouldn't have opened at least two of them but if they're opened anyway you can make them work for you. Credit One is super sub but they have given me two cl increases in the same amount of time I've had the secureds, all my secureds are over 18mo old, have not graduated yet I'm sick of it.
  12. Thank you. Now that I have some respect in my wallet, can I close the subs? Credit One, Discover Secured, US Bank Secured, FNBO Secured, Overstock Store Card, Walmart Store Card?
  13. The CO with them was 2016 during my life, I COd the Amex Optima card nonetheless smh. When my credit went into the tank the first time I had the Green card, they then offered me the Optima, I took that had it for 3 yrs then a 2016 layoff caused the CO. My gut told me never to settle because Amex had always been good to me and my gf at the time had the Plat so I aways so the benefits of that card and held that as my goal. I paid Amex back in full for the CO. Then I was added as an AU by a family member a few months ago, once Amex allowed me to be an AU I knew I would have a good shot.
  14. Congrats on the AMEX approvals! How long ago was the CO with them and did you ever settle?
  15. Thanks, I believe I came to CB with a 483 years ago, built it up to 620s then took a hit with a 2016 layoff, and now Ive built it back up. I have 1 30day late that should be hitting 24mos old come this Nov. I expect with that aging it should push me across the finish line for 700.
  16. Thank you, it has been a looooong rode. And I thought I would never get another Amex after my CO with them.
  17. Yes this is one of those post where the guy talks about finding CB with a credit score in the dumps feeling hopeless, then vows to start fighting the good fight with dreams of prime ccs with great rewards, a mortgage etc, starts with having success at a Jack Attack then is off to the races from there. So yes that is me too, yesterday marked a very significant day in the long fight, with scores now right on the border of 700 I began to get a itchy trigger finger and decided to pull the trigger on the Amex Delta Gold 60k promo, I immediately received the 14 day notice, then I remembered from everything I had read on CB, Amex uses the same pull if you apply the sameday for a 2nd card. I then appd for the Platinum promo also. And to my surprise what seemed like it had been an eternity, I received a instant approval for a non-subprime card!!! In the midst of me jumping up and down about to be evicted for noise pollution because I was so excited. I then received an email alert from Amex. Clicked the email and it read. Youre Amex Delta Gold Card has been approved!!! At this point Im no longer celebrating because Im astonished. Approved on Delta Gold w/cl of 5k. Cant say it enough, 0 shot I would have got here without CB. This imo is one of the most important websites on the net anywhere. For those of you reading this and are just starting the journey, my advice is, read, read, read, ignore the trolls, COs with balances are no good, and get your UTL under control. Thx CB
  18. they are still with the original creditors I settled CapOne last year, my CO was still with them (OC) I called them up and offered around 35% of the balance I think they came back with around 70%, I told them I had came into a one-time windfall of cash and was looking to tie up loose ends on past discretion's, the woman placed me on hold went to her manager then came back and said they could do 50% so that's what I settled.
  19. Good Evening CB, I was wondering has anyone else found themselves in this spot. I have been applying for CLI with all my creditors that have readily available luv buttons, and I have been repeatedly getting denied, I noticed today on my Paypal Credit adverse action letter of denial, that I'm being denied because all of my credit accounts are referencing old credit reports, my denial letter today referenced a credit report date from Jan 2018, my score is up about 70pts from that time, how can I get them to pull a new report to consider my increase?
  20. Thanks, I want to get the AU card reporting first. I think I’m going to wait 6 mos get some activity on the AU card hopefully a good performance will help my internal score with Amex.
  21. Ummm, I don't think so. hegemony Area Man Members 81,274 posts Posted 29 March 2018 - 10:59 PM mannyj, on 29 Mar 2018 - 10:52 PM, said: I never had a BK but the account was CO, from what I read that still lands you on the BL is the correct? correct
  22. My Amex CO in 2015 for a little less than 1k, I had my card 7yrs with flawless history before an unemployment stint ruined things for me. Fast forward I paid off or settled all my baddies and I left Amex for the one account that I would PIF and then someday apply again. A family member recognized all my hard work on my credit and offered to add me as an AU on his Amex BCP with a nice credit limit, I agreed before realizing that the bl includes AU. So he asked for my social and applied, we got the 7 day notice message and I kept bugging him to check the account we didnt see anything and then today out of the blue my card showed up in the mail with a beautiful, "Member Since 2008." Just wanted to share because I know there's a lot of Amex Bl posts on this site that repeatedly say 10yrs is the sentence but that is not true, I just paid my Amex off in Feb. and April I'm a AU, planning to run about 3k per month in charges on the card and pif each month then apply for my own 6mos from now.
  23. **Update** I believe I may be in the clear! Account owner logged in to the Amex acct online went to Account Services tab>Card Management tab>select Additional Cards & Custom Limits. Boom there it was my name as AU with the last 5 digits of the new card beside it. Request was made just a few days ago so card still hasn't arrived yet. But yes all signs point to this actually working out and I may indeed be off the Blacklist with Amex just a few short months after paying off my outstanding CO in full with them. I will post another updated to confirm once the card actually comes.

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