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About Menta33

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    Bump Influence XIV

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  1. Does anyone know what the maximum unsecured credit line State Department will give?
  2. I have a SDFCU secured card that I've had since November 2011 and still remains secured. On their website when I log in, it reads as "EMV SECURED VISA PLATINUM." Since I don't need it except to help my average age of accounts, I brought the limit way down to the minimum of $250 so as to not tie up excess funds. I'd love to get this unsecured and wonder what behaviors are thought to lead to their unsecuring. When I called them many years ago they said there is no way to ever unsecure. My FICOs are well above 800, but I never use the card, do I just need to run transac
  3. Last March, my Fico 2 mortgage score at Experian was 812 and my wife's was 807. This was with utilization at 0.4% and no recent accounts opened.
  4. The interest rate varies, 810 or higher gets the best rate.
  5. Here is what MyFico says (in the order listed in the report) for their mortgage score for my wife (middle score 775): You opened a new credit account relatively recently. You've recently been looking for credit. The amount owed on your revolving and/or open-ended accounts is too high. You've made heavy use of your available revolving credit. You have too few or too many credit accounts. You have too many credit accounts with balances. You have a short credit history. And for myself (middle score 772): You opened a new credit account relativel
  6. I'm applying for a mortgage at Merrill Lynch in their Asset Management department and they don't to Rapid-Rescore like a normal mortgage application at BofA does. I need to get my credit reports updated before the statement cuts mid-January. If possible, I'd make early payment on two accounts that last reported high utilization, then get these two corrected at all three bureaus, then have mortgage credit report pulled. One credit card is Barclays Bank, the other is Abound Credit Union. I tried calling Barclays and they said they could not report early anyway. It see
  7. The over weekend staff is pretty lame (probably contracted out), but I got escalated to the daytime staff who called me and this CSR was quite helpful. They reversed the $21 in fees I had been charged and waived the fee for several more months while I bring the balance up to $500. I also nicknamed the account to describe the $500 min (to avoid fees) and set an alert if the balance falls below $500.
  8. Thanks for taking the time to explain, much appreciated!
  9. I have no idea what you are saying here, perhaps you could elaborate? Who is the 'he/his' here, what Credit Union argument is he making, what dividends and notes is he reaping?
  10. Wish I had known this, I just paid off my loan in March and just noticed that they "thanked" me by now charging $3/month (with no notice) until they drained my savings. I guess they are trying to eject me as being unprofitable customer after paying off my second car loan with them.
  11. I've never had a stolen card before. All my other fraud issues have been with someone guessing the number somehow. It never occurred to me that someone had the physical card since I've never had that happen before so it did not occur to me to look for it. I don't recall what they asked me first time, they may have and I said yes, not thinking about it too hard. Better would have been for them to ask for the ccv number on the back to prove I still had it (or had previously recorded that number). The other strange thing I do recall about that call was fact that my wife's card number which I
  12. I was unable to locate my old card which I looked for when folks suggested the actual card was used for chip reading. I let CapitalOne know the card is missing and they reinstated the fraud claim. The online charge (which was much less) remains open, they said since online, they have to send to Walmart.com to look into it.
  13. Two transactions in two different stores about 20 and 35 minutes drive from our house and one online which they kept as disputed. It was just the in store ones (which were for much more money) that they rejected. You'd think they could just bring up surveillance cameras and identify whomever made the charges and prosecute them instead of saying we benefited from them.
  14. I discovered fraud on my Walmart store card from CapitalOne and disputed the charges. They have mailed me a replacement card. CapitalOne just wrote me: We do not believe we made these charges. How should we best proceed to try and recover the monies lost due to fraud?
  15. I do as well as my memory serves, I've no written record of 1994 BK any more and 26 years is a long time to recall each creditor IIB. Correct, mystery is now solved thanks to Citi responding with a helpful denial letter that gave details of their thinking and reminded me of history and explained:
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