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  1. I bet you could try to do a recon after the fact for a lower level card. I don't see why they would say no.
  2. Just called the Chase recon line regarding my Sapphire Preferred application. Called up and spoke to a really nice gentleman for about 15 minutes. I had a security freeze on Experian and I gave him the pin to lift that. He asked me a few questions about my BK in 2010. He asked about my mortgage and income. Then put me on hold for about five minutes and came back saying that he had to send it up the ladder for further review because of the BK. He said in 7-10 business days I would either get my card in the mail or an explanation for the decline. I asked him what his thoughts were
  3. Discover Card declined me. Go figure.... Tried a recon and the guy was super rude. "You have a bankruptcy and that's why you are declined sir. There is nothing I can do about that."
  4. Yes and had no offers. I did burn Citi in my BK though... Also, let me say this... if there is anything I can give back to these boards on how I got to where I am, it's this: I started with a $5k secured card with Navy Federal. While I had that, I also put $10k in a savings account and never the account go below $10k. As soon as the $5k card started reporting to my credit, I apped a few other local credit unions and was approved for small limits (1500 - 3000). After a year on the Navy Federal Secured, they released the funds from the secured card and doubled my starter limit to
  5. I've read before to leave old chargeoffs be because they could drop your score... If you say it will help then I will try to get it done. I tried to get them removed a couple of years ago but they came back verified. I'll have to do some more research to see how I can get it off my report. I *highly* doubt I could get an Amex card right now. I have yet to see someone with such a fresh BK get one. Wonder if I should just take one for the team and try anyway. I will say this, I can't wait to get one or two because I had an account that I opened in 99 that was closed on good terms. S
  6. Little backstory. Had a BK in 2010 and have since then been working to crawl out of it. Scores hovering in low 720's across the board. Have two BOFA chargeoffs from '09 (accounts opened in 2002) and the BK. Report is otherwise clean. Also have a Crap 1 card that I got after the BK in 2010 that is showing open for 5 months with a 1k limit that I closed. Have a good job now that pays $160k a year and have made some inroads on building up some credit lines. I'm just not sure what to do now. Cards: Navy Federal Flagship / $55k limit / Opened 9/11 Navy Federal LOC / $10k limit
  7. My Randolph Brooks card has a 5.7% fixed. I got it about two years ago. Not sure what they're offering now but they I do know they still offer a low APR card.
  8. I started with NFCU with a 5k secured card that became unsecured after one year and they released my funds and let me have a Flagship rewards card that they automatically doubled to 10k. When I asked for a CLI (after about a year of keeping my savings account balance at a steady $10k while PIF every month and running a couple thousand through it every month) I went for 60k. I thought it was a crazy request but they countered with $55k! It's my biggest limit card but that opened the door for me to app some of my other credit unions and none of them approved me for less than $15k. My c
  9. Apparently the footer at the end of the letter I posted didn't make it into the post. This is it: . The dealer's "permissible purpose" here is provided by Section 604(a)(3)(A), which permits the use of consumer reports in connection with a credit transaction involving the consumer. Unfortunately, and I'm not sure I agree with it, but it does give permissible purpose. "If the check bounces from my bank i would be responsible for paying them $.60 a mile and $100 a day on the car" certainly sounds like a credit transaction to me, albeit one which is contingent
  10. I have been trying! There is so much information out there.... been reading and searching about it for like 4 days straight now. I've asked XL to start a new thread with the Equifax softs that count. Should help you out. Ok read the soft counts thread... coming up with 44.... sound good?
  11. I have been trying! There is so much information out there.... been reading and searching about it for like 4 days straight now.
  12. No that's way too many. Is there a good link where I can learn the right way to count? The problem is I have no idea what counts and what doesn't. edit: I also tried that new counter but I can't get the formatting right. It keeps coming up with zeros across the board.
  13. Can someone please help me decipher where I'm really at here? I don't know how to count these softs accurately. Thanks!
  14. I added: -This account is showing to be charged off in both September of 2009 and again in October of 2011. This is incorrect. Please correct or delete this.
  15. So is it true that an account cannot be showing as charged off twice?
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