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fedtrouble

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Everything posted by fedtrouble

  1. Simple Question - Since I started on Credit Boards I have cleaned up my report and obtained the following - Jareds - Aug 10 Fifth Third - Sep 10 BBRZMC - Oct 10 Hooters - Nov 10 GEMB/Walmart - Nov 10 GEMB/American Eagle - Nov 10 GEMB/Amazon - Nov 10 GEMB/Sams - Dec 10 Amex - Dec 10 Target - Dec 10 WFNNB/Z Gallarie - Dec 10 WFNNB/Express - Dec 10 In Oct myFico fo Equifax was 686... Now its a 608. No derogs.. a couple inquiries.. Will I see a signifant increase in score when these accounts hit six months? My AAOA is 5 months presently. Also I have an auto loan which will be paid off next month.. Will I see any effect with that brining down my open installment loans to 2.. verus three? Thanks!
  2. Yes you can review your anything which was filed in your case via pacer as long as the case was not pre-2004.
  3. Hey Guys/Gals - Heres the deal... My Equifax and Experian are squeaky clean.. No derogs.. No bankruptcy.. No lates.. (Hard Work and Dedication). Well my TransUnion it only had my Bankruptcy and one collection listed, but the other day about 7 tradelines which were deleted were reinserted. I need to send my info to the mortgage lady tomorrow so she can pull my reports. Can I inform her that all of the entries which are on there are erronous. Would it be more benefical to tell her I filed Bankruptcy or leave that out and say that it is an error on my TransUnion. Any help and or advice on this would be appreciated. Thanks, Brandon
  4. Yes. You can have all the charge cards at the same time. Doubt they would approve me since I have so many new accounts since I received my Zync. Any bonuses in upgrading to another card such as the green or gold? You put most of your charges for your business. Have you checked out their business charge card? Ron. I have not checked out their business charge cards, mainly because I am trying to establish more and more personal credit than business. I do not mined the liabilty. Are the business cards better? I don't have one yet. I got approved for one a couple of days ago. I'm afraid they might shut you down because you put business expense on the personal card. Ron. Humm.. Haven't thought about that one.. I will say though the first day I had it last month, I decided that I would put my weekly chicken bill on it for $900 and it was approved. And when I spoke to the CSR today and asked her if I would have any problem charging $1600 on it, she asked me to hold for one second and she came back and said it would not be a problem. But I don't want my personal account closed... hum.. ponders.. HAS ANYONE HAD THEIR PERSONAL CARD CLOSED BECAUSE THEY USED IT FOR THEIR BUSINESS?
  5. Yes. You can have all the charge cards at the same time. Doubt they would approve me since I have so many new accounts since I received my Zync. Any bonuses in upgrading to another card such as the green or gold? You put most of your charges for your business. Have you checked out their business charge card? Ron. I have not checked out their business charge cards, mainly because I am trying to establish more and more personal credit than business. I do not mined the liabilty. Are the business cards better?
  6. Yes. You can have all the charge cards at the same time. Doubt they would approve me since I have so many new accounts since I received my Zync. Any bonuses in upgrading to another card such as the green or gold?
  7. Too many small limit credit cards in such a short time = does not look so great to AmEx Also, AmEx DOES offer upgrades. But you will have to master your spending and payment patterns, and make sure your reports are squeaky clean. When I applied for AMEX I think I only had three or four revolving accounts. I planned on letting the accounts age for at least six months, and attempting to get as many hard-free CLI as possible. Want all my accounts to be at least 6 months old. I really want another AMEX bad. Is it possible to apply for a Green Card while having my Zync?
  8. Thanks for the replies. I should have been a little more specific. I don't know if any of the other charge cards offer better rewards or points. I simply would like to obtain a Credit Card from Amex with a decent limit. I want to know if I simply pump 10K a month through my Zync should I expect a higher possibility of approval from Amex if I were to app. My experian looks like this: Installment Loans:3 DT Credit: Balance $731 opened 2/07 WFDS: Balance $9500 opened 6/10 Fifth Third: Balance $2447 opened 9/10 Relvoving Accounts: Currently 15 Reporting GEMB/Amazon: CL $600 opened 11/10 GEMB/American Eagle: CL $150 opened 12/10 GEMB/Sams: CL $400 opened 12/10 GEMB/Walmart: CL $250 opened 11/10 HSBC: CL $100 opened 10/10 (AU Card) HSBC: CL $100 opened 10/10 HSBC: CL $300 opened 2/10 Jareds: CL $2196 opened 8/10 Hooters: CL$500 opened 11/10 WFFNB/Z Gallerie: CL $1500 opened 12/10 WFNNB/Express: CL $750 opened 12/10 AMEX Zync: No Present Spending Limit Opened 12/10 Target: Cl $200 opened 12/10 AMEX Green: No Preset Spending Limit Opned 12/10 (AU CARD) Bank of America: $1000 CL opened 12/10 Inquiries: 6 all less than 6 months old. (2 of these are AMEX) I will be pressing the LUV button on all GEMB cards because I have been using them in full and paying them off right after. I don't plan to apply for anything between now and then, and I plan to have my utilization at around 7 to 10 %. I apped for the Student Blue card the same time I apped for the Zync card and was denied for: Your consumer credit bureau score from Equifax is too low (See below) Serious delinquency. Length of time accounts have been established. Proportion of revolving balances to revolving credit limits is too high. Too few accounts currently paid as agreed. ( I had one collection pop up on Equifax two days before I apped for Amex, and it is gone) (My Jareds card balance was 1600 on a CL of 2196, it is currently at 1000 on a CL of 2196, by the time I app it should be 200 on a CL of 2196) ANY IMPUT IS APPRECIATED!!!!! Thanks! -Brandon
  9. Ok here is the deal - Got approved for the Amex Zync in December. Within the first day I had to go through the F/R and Indentity Verification. Passed those with flying colors without Amex getting tax transcripts. Ok.. anywho.. I put 2200 on the card, and paid today. Now I want to know, say I start using this card to pay for my US Foodservice orders. (I own a restaurant) I would weekly spend about 1600 and pay it off the day its charged. Would this high usage tempt Amex to upgrade my card or possibly give me a CC? I'm desperately wanting to be in their good graces. Thanks for you input! Brandon
  10. fedtrouble

    AUGH!!!

    Hey Guys/Gals! Here is the situation. In 2008 I filed for bankruptcy and successfully removed 6 IIB'ed accounts. Today I pulled my TransUnion.. and Boom! 6 IIB'ed accounts from the 2008 disputes were reinserted. Yet none of the accounts which I succesfully removed in 2010 were. How/What is the best strategy to go about and get these accounts removed again. I will say my AAOA went up significantly, and my FAKO score went up ten points. My transunion is my only report which has my bankruptcy listed on it. Ideas? Thanks, B!
  11. I told them when I got the FR (just last week) and they requested that I complete a 4506-T that last year I only worked for one month and that it did not adequately document my income. I was asked to provide three months worth of bank statements and two pay stubs. I too own my own business. I simply provided them a copy of my three most recent bank statments (showing account balances of +100K and two pay stubs) they unfroze my account friday, monday got a call and asked if I wanted to upgrade to platinum. um.. no thanks!
  12. +1 Wait a total of 2 weeks from the time you noticed it was still there. If it's still not gone and you haven't received a reinsertion letter contact them. The reason I say 2 weeks is they have 5 days to send out a re-insertion notification to you. add on a few days for mail time and you've got em' I pulled my backdoor and it is still listed and is not listed under investigation. Though I will say it has went from being a negative account to being a positive account. Intresting. I just don't want it to go back to a negative account. Being a positive account it makes it the oldest account on my report!
  13. Hey Everyone - I disputed an account with Equifax that was reporting as negatively. I received a copy of my dispute results via email and found this: The same day I logged on an pulled my report and it was still on there. And it still remains several days later. What would be my best result to get this removed from my report. Thanks!
  14. I've had my Amex Zync 1!!!! (ONE!!!!) day, and I received a call from the Financial Review Department. They requested that I sign the IRS tax form, I told them that last year I only made 4K so it wouldn't adequately display my income. Puts me on hold. Then request last two paystubs and a copy of my account which I would pay my american express from! Hehehehe.. Wonder what my shadow limit will be when I show $60K in income and $125K in the bank??? Oh BTW I've charged like $1K on the card. Had to pay a bill for the company.
  15. Problem with that.. those are all 2008 and before! Looking for recent info .. thanks..
  16. Hey guys.. looked at the credit pulls.. trying to figure out which report Target is most likely to pull.. I live in NC.. I was hoping for an EX inquiry because it only has one inquiry and it the cleanest report. Am going to freeze it after this. Thanks
  17. Yeah.. I tried my luck.. and I was quite suprised.. I can now offically say I'm icing back over Experian.. and waiting till at least June before I try to do anything else.
  18. Here is my Experian Report: Inquiries -0- DT - Car Loan - Opened 2/2007 - Balance $1,521 - No Lates Orchard Bank - CC - Opened 2/2010 - Balance $44 - CL $300 - No Lates Wells Fargo Dealer Services - Opened 6/2010 - Balance $9,602 - No Lates Jareds - Opened 8/2010 - Balance - $1621 - CL $2.2K - No Lates Fifth Third - Loan - Opened 9/2010 - Balance $2,919 - No Lates BBRZMC - CC - Opened 10/2010 - Balance $77 (Didn't know when my statement cut, OOPS!) - CL $100 - No Lates Hooters - CC - Opened 10/2010 - Balance $36 - CL $500 - No Lates GEMB/Amazon - CC - Opened 11/2010 - Balance $0 - No Lates GEMB/WalMart - CC - Opened 11/2010 - Balance $0 - No Lates
  19. I had 0 Inquiries when I applied.
  20. Just apped for Amex Zync after I cleaned up my Experian report. I understand why Amex uses Experian, because they are a Pain in the A** to clean up. So Freakin Excited. Now all the Reports will be put on ICE till at least June!
  21. Doesn't it feel good.. my results came in yesterday also.. Now I just have transunion left!
  22. Can't remember which Bureau it pulled.. But I received a 2K CL.. so it def isn't 2.5K min.
  23. My report looks like this DT - Car Loan - Opened 2/2007 - Balance $1,500 - No lates Orchard - 300 CL - Opened 2/2010 - Balance $44 - No lates Wells Fargo - Car Loan - Opened 6/2010 - Balance $9,600 - No lates Jareds - 2.2K CC - Opened 8/2010 - Balance $1,400 - No lates Fifth Third - 3K Secured Loan - Opened 9/2010 - Balance $2,800 - No lates Hooters - 500 CL - Opened 10/2010 - Balance $36 - No lates BBRZMC - 100 CL - Opened 10/2010 - Balance $76 - No lates GEMB/Amazon - 600 CL - Opened 11/2010 - Balance $0 GEMB/Walmart - 250 CL - Opened 11/2010 - Balance $0 GEMB/American Eagle - 150 CL - Opened 11/2010 - Balance $0 No inquiries Pulled CreditSecure before it was deleted.. Experian FAKO 718... Pulled USAA after it was deleted ... Experian FAKO .. 718..
  24. Utilization is high on one card by accident.. but otherwise it isn't that bad... I have no other baddies on Experian.. I work MAGIC!!! Experian is now my only spotless report! It used to be my worst!

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