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800SomeDay

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  1. EX had incorrect info that they refused to delete long after the others had deleted it. And I knew I could not B off of EX. Thus the freeze kept them from reviewing my worst report and limited inquiries to the reports that could be bumped. This original thread was started when all of my inquiries were gone only because EX could not add any new ones because it had been frozen for more than two years.
  2. A number of years ago (back in the days of GEORGE), Amex had a "bug" that would allow you to reallocate from Card 1 to Card 2. Then since you had previously been granted a certain limit on Card 1, you'd do an online CLI and instantly get back your CL on Card 1 that you had transferred away to Card 2. There was a term for it, something like "rinse and repeat"? (Back in the days of GEORGE) Citi had a glitch that would give you as many "Premiere Pass Cards" as you applied for some people got 7 or 8. I got 3 (60 days after getting 2 other Citi Cards) Upon receiving the cards I called and combined all 3 new $8500 cards into my previously issued $14,000 card so at one time Citi was easy to combine
  3. I would combine the two Chase cards into one to have a larger limit that other creditors may match. You can get $5000 cards anytime you want but it is hard to get a $22,000 card
  4. “Ruin so many lives” you would prefer they just repossess your education with a guillotine? Why did “your friend” borrow money that they didn’t intend to pay back, that ruins the lives of the honest borrowers by making loans more expensive and much harder to obtain.
  5. I would definitely give the exact opposite advice. I have purchased 10 houses in the past 3 years and always try if at all possible to purchase through the listing agent. If the listing agent has a saleable house they ignore calls from other realtors and take a call from a buyer. The 4700 sq ft house I live in I purchased directly from a bank but listed for my realtor the listing agent. (a crooked realtor that I couldn’t stand) To the OP I advertise houses for rent that I own and quite often will ignore emails or respond with a message saying “call me so we can discuss it.”
  6. I applied online for 10 CC in about 4 minutes time using multiple computers. I was approved for 9 of them. No need to do this, that's a little silly. Once the Inq is there the next creditor that pulls can see it anyway. I spread my app spree over a few weeks. As long as the new approvals aren't reporting yet the new apps won't show a bunch of new accounts on your CR. Actually the inq do not show up immediately. As I said I was approved for 9 of them. From experience!!!!! your approach is more than a little silly!! Some of the cards (Juniper)were reporting on my CR in 2 days.
  7. I applied online for 10 CC in about 4 minutes time using multiple computers. I was approved for 9 of them.
  8. A freeze prevents new creditors from pulling your CR. I proposed a strategy about 2 1/2 years ago that kept my EX report clear of inquiries while I was aquiring new credit. See this thread for all the discussion about benefits of a freeze: http://creditboards.com/forums/index.php?showtopic=95621
  9. The CRAs see they can't fight the laws expanding to more and more states so they would rather put in a voluntary freeze where they set the rules and no law to enforce them. A voluntary freeze takes the momentum out of the demand for more laws, I think EX may join in.
  10. AmEx raised my limit to cover my BT $2000 to $7900 and let me keep the higher limit even when I canceled the BT because I didn't want a maxed out card.
  11. Everybody can FREEZE TU & EQI know you wanted to freeze EX For consumers who live in the eleven remaining states without a security freeze law (Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina, and Virginia), TransUnion has recently announced that beginning October 15, 2007, they will offer residents in these states the security freeze for a fee of $10, or for no fee if you are an identity theft victim. Equifax has made an announcement that they will provide the freeze for all consumers, although details have not yet been released. Experian has not yet made an announcement to extend the freeze to all consumers in the U.S. The above is a quote from the CU website: http://www.consumersunion.org/campaigns/le...03484indiv.html
  12. For consumers who live in the eleven remaining states without a security freeze law (Alabama, Alaska, Arizona, Georgia, Idaho, Iowa, Michigan, Missouri, Ohio, South Carolina, and Virginia), TransUnion has recently announced that beginning October 15, 2007, they will offer residents in these states the security freeze for a fee of $10, or for no fee if you are an identity theft victim. Equifax has made an announcement that they will provide the freeze for all consumers, although details have not yet been released. Experian has not yet made an announcement to extend the freeze to all consumers in the U.S. The above is a quote from the CU website: http://www.consumersunion.org/campaigns/le...03484indiv.html
  13. Here is an updated list of States allowing a Credit Freeze. Now 37 states plus DC. When I first posted this thread there were 4. Arkansas Applies to identity theft victims with a valid investigative report, an incident report, or a complaint with a law enforcement agency. Fee of $10 to place, temporary lift or remove. Effective as of January 1, 2008 For more information on statute (House Bill 2215): http://www.arkleg.state.ar.us/ftproot/bill...blic/HB2215.pdf To place a security freeze in Arkansas: www.consumersunion.org/pdf/security/securityAR.pdf California Applies to all consumers Effective as of Jan. 1, 2003, subsequently amended to cap fees on non-ID theft victims No fee for victims to place the freeze, others pay up to $10 per freeze Caps fee to lift freeze at $10 for temporary lifting for a time, $12 for temporary lift for one creditor California Civil Code sections 1785.11.2-1785.11.6. see: http://www.leginfo.ca.gov/cgi-bin/waisgate...action=retrieve How to place your security freeze in California and a link to the text of the California statute, see: http://www.privacyprotection.ca.gov/sheets...urityfreeze.htm Colorado SB 05-137 Applies to all consumers Fees: No fee for first freeze; $10 to place a second freeze, $10 to lift, $12 for temporarily lift for one creditor Effective as of July 1, 2006 Text of Colorado Revised Statutes 12-14.3-102 et seq, (SB 05-137): http://www.leg.state.co.us/Clics2005a/csl....ile=137_enr.pdf For more information on the security freeze law in Colorado, see: http://www.ago.state.co.us/idtheft/securityfreeze.cfm and for instructions on how to place a security freeze: www.consumersunion.org/pdf/security/securityCO.pdf Connecticut SB 650 Applies to all consumers Fees: $10 to place, lift, or lift temporarily, $12 to lift for one creditor Effective as of Jan. 1, 2006 669 Connecticut General Statutes § 36a-701at: http://www.consumersunion.org/pdf/security/CT_security_ freeze_law.pdf For more information on the security freeze law in Connecticut, see: http://www.ct.gov/ag/cwp/view.asp?A=1949&Q=293270 and for instructions on how to place a security freeze: www.consumersunion.org/pdf/security/securityCT.pdf Delaware Applies to all consumers. $20 to place, free to temporarily lift for a period of time or specific creditor and to remove. Effective as of September 28, 2006 For more information on the Substitute for SB 109, see: http://www.legis.state.de.us/LIS/lis143.ns...gross.html?open For instructions on how to place a security freeze in Delaware, see: http://www.consumersunion.org/pdf/security/securityDE.pdf District of Columbia Applies to all consumers $10 for an initial placement, free for victims of ID theft; no fees to remove permanently or temporarily. Effective Date: July 1, 2007 For more information on DC Code §28-3861 through §28-3864, see: http://www.dccouncil.washington.dc.us/imag...61218135957.pdf For instructions on how to place a security freeze in Washington DC, see: http://www.consumersunion.org/pdf/security/securityDC.pdf Florida Applies to all consumers. No fees for victims of identity theft (with investigative report) and seniors aged 65 years and older. For all others, there is a $10 fee to place, temporarily lift or to remove a security freeze. Effective as of July 1, 2006. For more information on Florida Statute Section 501.005 et seq. (2006 HB 37), see: http://www.myfloridahouse.gov/Sections/Doc...mp;Session=2006 For instructions on how to place a security freeze in Florida, see: http://www.consumersunion.org/pdf/security/securityFL.pdf Hawaii Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency. No fees permitted. Effective as of January 1, 2007. For more on Title 26 Hawaii Revised Statutes Section 1 et seq. (HB 1871) see: http://www.consumersunion.org/pdf/security/HI_security_ freeze_law.pdf and for instructions on how to place a security freeze in Hawaii: www.consumersunion.org/pdf/security/securityHI.pdf Illinois This law applies to all consumers. Victims with police reports and seniors 65+ years old do not pay a fee. All others pay a $10 fee to place, remove, or temporarily remove. Effective as of January 1, 2007 For more information on 815 ILCS 505/2MM: http://www.ilga.gov/legislation/ilcs/fullt...e=081505050K2MM and for instructions on how to place a security freeze in Illinois: www.consumersunion.org/pdf/security/securityIL.pdf Indiana Applies to all consumers No fee to place, temporary lift or remove security freeze for all consumers. Effective as of September 1, 2007. For more information on SEA 403: http://www.in.gov/legislative/bills/2007/ES/ES0403.2.html And for instructions on how to place a security freeze in Indiana: www.consumersunion.org/pdf/security/securityIN.pdf Kansas Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency No fees permitted Effective as of Jan 1, 2007 For more information on S.B. 196: http://www.consumersunion.org/pdf/security/KS_security_ freeze_law.pdf And for instructions on how to place a security freeze in Kansas: www.consumersunion.org/pdf/security/securityKS.pdf Kentucky Applies to all consumers Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued. Effective as of July 11, 2006 Expires after 7 years from date of placement or upon consumer's request, if earlier For more information on Chapter 367 Kentucky Revised Statutes Sections 1-3 (HB 54): http://www.lrc.ky.gov/record/06RS/HB54.htm and for instructions on how to place a security freeze in Kentucky: www.consumersunion.org/pdf/security/securityKY.pdf Louisiana Applies to all consumers Fees: $10 to place, $8 to lift, no fees for ID theft victims or persons age 62 or older Effective as of July 1, 2005 Louisiana Statutes Annotated § 9.3571(H) to (Y) , see: http://www.legis.state.la.us/leg_docs/04RS...UT/0000LW18.PDF How to place your security freeze in Louisiana: http://www.ag.state.la.us/calerts/alert0015.aspx Maine Applies to all consumers Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued, and $12 to lift for a specific creditor. Effective as of Feb. 1, 2006. For more information on 10 MRSA §1313-C: http://janus.state.me.us/legis/LawMakerWeb...amp;SessionID=6 and for instructions on how to place a security freeze in Maine: www.consumersunion.org/pdf/security/securityME.pdf Maryland Applies to all consumers Fees: No fees on ID theft victims who provide report of alleged identity fraud or with an identity theft passport. Others pay $5 for each placement, temporary lift or removal. Effective as of January 1, 2008. For more information on SB 52: http://mlis.state.md.us/2007RS/bills/sb/sb0052e.pdf And for instructions on how to place a security freeze in Maryland: www.consumersunion.org/pdf/security/securityMD.pdf Minnesota Applies to all consumers. Fees: No fees on ID theft victims who provide police report. Others pay $5 to place, remove, temporarily suspend, lift for specific creditor, or have PIN reissued. Effective as of August 1, 2006 For more information on statute (Senate Bill 2002): http://www.revisor.leg.state.mn.us/bin/bld...mp;session=ls84 To place a security freeze in Minnesota: http://www.consumersunion.org/pdf/security/securityMN.pdf Mississippi Applies to identity theft victims with a police report, investigative report or complaint which the consumer has filed with a law enforcement agency. Fee of $10 to place. Effective as of July 1, 2007 For more information on statute (Senate Bill 3034): http://billstatus.ls.state.ms.us/documents...99/SB3034SG.htm To place a security freeze in Mississippi: www.consumersunion.org/pdf/security/securityMS.pdf Montana Applies to all consumers. No fee for victims, $3 for all others to place or lift the freeze and $5 replacement PIN. Effective: July 1, 2007 Bill: SB 116. To see the text, go to: http://data.opi.mt.gov/bills/2007/billpdf/SB0116.pdf. For how to place a security freeze in Montana, see: http://www.consumersunion.org/pdf/security/securityMT.pdf Nebraska Applies to all consumers. No fee for victims, one time $15 fee for all others. Effective: September 1, 2008 Bill: LB 674. To see the text, go to: http://uniweb.legislature.ne.gov/FloorDocs.../Slip/LB674.pdf. For how to place a security freeze in Nebraska, see: http://www.consumersunion.org/pdf/security/securityNE.pdf Nevada Applies to all consumers Fees: No fee for ID theft victims who submit a police report, for others $15 to place, $18 to lift, $20 to lift for one creditor Effective as of October 1, 2005. For more information on NRS 598C in easy to read bill form: http://www.consumersunion.org/pdf/security/NV_security_ freeze_law.pdf and for instructions on how to place a security freeze in Nevada: http://www.consumersunion.org/pdf/security/securityNV.pdf New Hampshire Applies to all consumers Fees: No fee for ID theft victims who submit a copy of a police report, investigative report, or complaint to a law enforcement agency, for others $10 to place, temporarily lift or remove Effective as of January 1, 2007 For more information on statute to be enacted as New Hampshire Revised Statutes Annotated 359B:23 (SB334): http://www.consumersunion.org/pdf/security/NH_security_ freeze_law.pdf and for instructions on how to place a security freeze in New Hampshire: http://www.consumersunion.org/pdf/security/securityNH.pdf New Jersey Applies to all consumers Fees: No fee for initial freeze. Up to $5 to remove, temporarily lift or have PIN reissued. Consumers are also permitted to make such requests directly to consumer reporting agencies via secured electronic mail. Effective as of January 1, 2006 Text of 56:11-44 et seq. in bill form: http://www.njleg.state.nj.us/2004/Bills/S2000/1914_R1.PDF How to place your security freeze in New Jersey: http://www.njdobi.org/creditfreeze.htm New Mexico Applies to all consumers. Free for residents over 65 years of age, identity theft victims with copy of police or investigative report. Effective July 1, 2007 Text of bill, SB 165: http://legis.state.nm.us/Sessions/07%20Reg...inal/SB0165.pdf To learn how to place a security freeze in New Mexico: http://www.consumersunion.org/pdf/security/securityNM.pdf North Carolina No fees for ID theft victims with valid report/complaint with law enforcement agency. For others, up to $10 to place, remove, or temporarily suspend. Effective as of December 1, 2005 For more information on North Carolina General Statutes §75-63: http://www.ncga.state.nc.us/enactedlegisla...75/gs_75-63.pdf For instructions on how to place your security freeze from the North Carolina Attorney General, go to: http://www.ncdoj.com/DocumentStreamerClien...urityfreeze.pdf North Dakota Applies to all consumers. No fees for ID theft victims with valid copy of a police report or police case number documenting the identity theft, investigative report, or complaint to law enforcement agency. For others, up to $5 to place or temporarily lift. Effective as of July 1, 2007. For more information on North Dakota: http://www.legis.nd.gov/assembly/60-2007/b...xt/HRDH0400.pdf For instructions on how to place your security freeze from the North Dakota Attorney General, go to: www.consumersunion.org/pdf/security/securityND.pdf New York Applies to all consumers. Free to place first time for everyone. After first time, or to lift temporarily or remove there is a $5 fee except for victims who pay no fee. Effective as of November 1, 2006 For more information on the law: http://www.consumersunion.org/campaigns/pd...SecurityLaw.pdf How to place your security freeze in New York: http://www.consumersunion.org/pdf/security/securityNY.pdf Oklahoma Applies to all consumers, no fees for ID theft victims with investigative report and no fees for seniors 65 years +. Effective as of January 1, 2007 For more information on this Title 24 of Oklahoma Statutes Sections 149 and 150 (SB 1748): http://www.consumersunion.org/pdf/security/OK_security_ freeze_law.pdf How to place your security freeze in Oklahoma: http://www.consumersunion.org/pdf/security/securityOK.pdf Pennsylvania Applies to all consumers, $10 to place but no fees for ID theft victims or seniors 65 years +. Freeze lasts 7 years. Effective as of Jan. 1, 2007 For more information on SB 180, see: http://www.legis.state.pa.us/cfdocs/billin...e=B&BN=0180 How to place your security freeze in Pennsylvania, see: http://www.consumersunion.org/pdf/security/securityPA.pdf Rhode Island Applies to all consumers, no fees for ID theft victims or seniors 65 years +. Effective as of Jan. 1, 2007 For more information about Rhode Island Statutes 6-48-1 et seq. (H7148), see: http://www.rilin.state.ri.us/Billtext/Bill...06/H7148Aaa.pdf How to place your security freeze in Rhode Island, see: http://www.consumersunion.org/pdf/security/securityRI.pdf South Dakota Applies to identity theft victims with a police report No fees, only freezes credit report, expires after 7 years from date of placement or upon consumer's request, if earlier Effective as of July 1, 2006 Text of statute (SB 180): http://legis.state.sd.us/sessions/2006/bills/SB180enr.htm and http://www.consumersunion.org/pdf/security/securitySD.pdf Tennessee Applies to all consumers, no fees for ID theft victims $7.50 to place, free to temporary lift, $5 to permanently remove Effective Jan. 1, 2008 For more information about the Tennessee bill, HB 200, see: http://www.legislature.state.tn.us/bills/c...BILL/HB0200.pdf How to place your security freeze in Tennessee, see: http://www.consumersunion.org/pdf/security/securityTN.pdf Texas Applies to identity theft victims with a police report One $8 fee Placement at one CRA must be honored by all Effective as of September 1, 2003 Texas Business & Commerce Code Ann. § 20.031 to 20.039 Text of statute (see Chapter 20, Section 031 - REQUESTING SECURITY ALERT from link below): http://www.consumersunion.org/pdf/security/securityTX.pdf Utah Applies to all consumers Reasonable fees Consumer can temporary lift or "thaw" freeze within 15 minutes of electronic request Effective as of September 1, 2008 Text of statute (Utah Code Ann. §13-45-102, 13-45-201 et seq.) see bill version SB 71: http://www.le.state.ut.us/~2006/bills/sbillenr/sb0071.htm and for directions on how to place a freeze in Utah, see: http://www.consumersunion.org/pdf/security/securityUT.pdf Vermont Applies to all consumers. No fees for victims; $10 to place, $5 to lift temporarily or remove for all others Effective as of July 1, 2006. Vermont Statutes Annotated, Title 9, Sections 2480a to 2480n Click on Sections 2480a to j to view the text of the statute: http://www.leg.state.vt.us/statutes/sectio...amp;Chapter=063 How to place your security freeze in Vermont, see: http://www.atg.state.vt.us/display.php?smod=198. Washington Applies to identity theft victims, including persons who receive a notice of a security breach of computerized personal information No fees Effective as of July 24, 2005 To be codified at Sec. 19.182 RCW. Text of statute: http://www.leg.wa.gov/pub/billinfo/2005-06...005/5418.SL.htm How to place your security freeze in Washington, see: http://www.atg.wa.gov/AskAG/AskAG_CreditFr..._20051010.shtml West Virginia Applies to all consumers. No fee for victims, $5 for all others to place, remove or lift the freeze. Effective: July 2, 2007 Bill: SB 428. To see the text, go to: http://www.legis.state.wv.us/Bill_Text_HTM...0SUB1%20enr.htm For how to place a security freeze in West Virginia, see: http://www.consumersunion.org/pdf/security/securityWV.pdf Wisconsin Applies to all consumers No fee for an "individual who submits evidence satisfactory to the CRAs that the individual made a report to a law enforcement agency. Up to $10 for others to place, thaw or remove freeze. Passed March 16, 2006. Effective as of January 1, 2007 Text of Section 138.25 Wisconsin Statutes (AB 912): http://www.legis.state.wi.us/2005/data/AB-912.pdf and http://www.consumersunion.org/pdf/security/securityWI.pdf Wyoming Passed 3/1/07, effective 7/1/07. See link for text, scroll down to SF0053: http://legisweb.state.wy.us/2007/billindex...ef.aspx?type=SF. Requires electronic and telephone methods to lift, imposes the 15 minute lift timeframe starting 9/1/08. and has a fee of $10 per step, free for ID theft victims To learn how to place a security freeze in Wyoming: http://www.consumersunion.org/pdf/security/securityWY.pdf Updated 6/8//07 The above list is quoted from: http://www.consumersunion.org/campaigns/le...03484indiv.html
  14. This thread lists my strategy and benefits of freezing EX. There are warnings issued of what I might expect and there are results posted mine and others. http://creditboards.com/forums/index.php?showtopic=95621

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