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ihatecollections

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Everything posted by ihatecollections

  1. After years of trying I finally got my foot in the door. They gave me a measly $3k after I trigered a manual review from the automated system. I did some searching but I saw only old posts on how their clis work. Should I treat it like discover and wait 90 days or wait 6 months before I ask for a cli? I also read that they give cli offers on a quarterly basis. I plan on using it to pay my cell bill and then pif each month. My scores took a bit of a hit because I opened 3 new ccs in the last month but added $20k to my available credit.
  2. Everyday I get mail from the previous resident of the house. This house is only 3 years old and I am the second tenant to live here. I take his mail and mark return to sender every week and I still get my informed delivery.
  3. I saw a small increase every month, like 1 point or so, at 12 months it went up a bit more and they stayed the same for a while. Some of the FAKO sites had my on time payments at 99 percent and considered them good but at the same time it said 1100 of 1103 were on time. After a year to 18 months of on time payments I would ask the lenders for a good will of the late remarks.
  4. I think this is awesome. I signed up for it about a month ago and every morning around 8am I receive an email with all the scanned images of my mail. It only works for regular envelopes because all the correspondence from my attorney in manila envelopes does not show up and neither did my Discover welcome package with my it card but responses from CRAs come through like a charm. I see this as a useful tool for CBers who are anxious to see if responses from the CRAs are arriving that day.
  5. I was going to write a thread this morning about lates one a single card affecting your score. As you are aware payment history accounts for about 1/3 of an individuals total credit score. The chart that mendelssohn posted about is a good gauge on how the lates will affect you going forward. I was in a similiar situation where I had one credit card that was 30 days late 3 times within a 6 month period. I was deployed and didn't set up automatic payments and my STBX wife forgot to pay it. Initially, it tanked my scores around 65 points and three years later I have just started to recover. Those 3 missed payment reduce the percentage of on time payments just enough that it really was hurting me when asking for new lines of credit. When I'd apply for new cards or auto loans I would get denied due to recent late payments or percentage of on time payments. I had tried and tried to SCRA these lates off, used the BBB and CFPB but the Military Star Card would not budge. I decided to try sending an explanation to the CRA's that I was deployed and this is what had happened with this account .I included supporting documentation, deployment orders, and asked for them to remove the lates. Yesterday I got a notice that my credit profile had a new alert which I figured was an inquiry for a new credit card. That afternoon I received an updated report from EX in the mail stating they had removed the entire trade line. Initially, I was upset as it was my second longest trade line at 5 years but signing I received a 18 point FICO bump even with my AAOA dropping almost 11 months. To me it is worth it as I essentially have a clean EX report. I say all that to say this. What is your end state? Are the auto loans current or paid off? How about the mortgage?
  6. How long were you a member before you got this offer?
  7. Koalleon, Is their a big difference in the APRs of the two QS cards? I know they offer them QS at 13.99, 18.99 and 23.99% APR. I want to thank you for them number you provided me. I called it today, which was the first time I have ever gotten a increase from Crap1. I paid off the $1 that was left on the card last month and then hit the automated cli button today and they gave me a nice $250 limit bump. I had tried everything from running insane amounts of cash through it and paying three payments a month to keeping it at $1 to $0. I wonder if it had something to do with a SCRA dispute I had with them in 2012 over a long closed account. I ended up getting an apology from the corporate office and 0% interest rate for life on this card. I would have closed this account but its my longest open revolving account and the 0% interest rate is a plus.
  8. I am about to be divorced here in the next month or so baring my STBX firing another attorney and dragging this out for another 3 to 6 months. Anyways, I'm active duty and will be relocating to another duty station in the next year and would like to buy a house using the VA loan. I most likely would be looking at new construction around $200-250k with a single income of $6000 per month. My understanding is that I need to meet the residual income after all the bills are paid in order to qualify for a VA loan, looking at the chart is under $800. Currently my FICO scores are sitting at 650 Ex, 690 EQ and 661 TU. The only negatives I have on my reports are three 30 day lates on a credit card in 2013/2014, and a closed credit card with a $14k balance that I will have BT offed in about 6 months, along with 15 inquiries. The closed CC is what is really bringing my scores down as it is factored in to my utilization. What I didn't get is when I applied for a debt consolidation loan with NFCU they said it wasn't counting and I was less than 40% util. The two car payments I have will be reduced down to one as she has to either get a loan for the car or forfeit it to me. I have my credit profile listed below for any advice on if this would be possible or if im way out in left field. Revolving: Crap1: $800 Limit / $0 Bal Opened 3-2011 ( always refuse to increase CL regardless of how much i spend a month and pay off) USAA Signature: $8000 Limit / $1000 Bal Opened 6-2016 Amazon Store Card: $1700 Limit / $0 Bal Opened 3-2012 Wal-Mart Store Card: $2100 Limit / $0 Balance Opened 3-2012 Military Star Card: $3800 Limit / $0 Balance Opened 6-2012 was late 30 days in 2014, won't goodwill Navy Federal Signature: $10K Limit / $0 Bal Opened 6-2017 Discover it Card: $2k Limit $0 Bal Opened 6-2017 Potentially Bad Revolving: Navy Federal Nrewards $21k Limit / $14k Bal Opened 1-2012 Closed due to relationship issues 11-2014 Never Late Installment Autoloans: Ally: $33k / $25k Balance Opened 6-2016 NFCU: $25K / $20K Balance Opened 7-2016 (soon to be ex-wifes car in my name, should get possession when decree is finalized then trade both cars in for one)
  9. I still am not able to join even though I am active duty. I was on the phone with them yesterday about their website saying I already started an application. Apparently, when I applied for a cc in April it never went through and I'm still locked out / waiting on tech support to reset my SSN.
  10. I have my direct deposit go into a NFCU checking account every month, I have an open auto loan with NFCU and have never been late with them on the many installment accounts I have had with NFCU. I was never late on the closed account and from the moment it was closed I have paid more than the minimum payment on time. I thought it was weird that they would deny me a debt consolidation loan to pay off the closed card but give me another $10k credit limit card. I did think about it and i imagine it had something to do with requiring a underwriter to review my application. When I applied online after the branch said I was denied for the debt consolidation loan it gave me the 24 to 48 hour wait message. Also, when I did the application I requested to balance transfer off my military star card so maybe that had some sway into their decision.
  11. Yep. I'm in a weird spot because USAA said I didn't mean the qualifications for the career starter loan because of too many inqs and installment loans with a balance over $2499. Navy Federal wouldn't give me a debt consolidation loan but gave me another $10k limit card at a low rate.
  12. I recently obtained a Discover IT card with a measly 4k balance.. I basically want to use this card the bare minimum so that I can hit the luv button every 90 days to get an increase. I used it as a balance transfer on my closed Navy card and will PIF the balance this month to avoid interest. But going forward how much should I put on it and PIf each month in order to grow it with out getting the insufficient time a current credit limit message? I have seen some CBers state they made it to over $25k and averaged $40 a month usage on it.
  13. It was 30 days late twice in the same year ( Oct and Dec 2013). The $14k is at 18% and the $1k is at 15%.
  14. Lately, I have been trying to figure out how to balance transfer down the closed NFCU card so I can get rid of the closed card hurting my utilization. In older threads I got great advice on trying to BT it down to reduce the util. I recently paid off most of my cards to get them down to low utilization in hopes of being able to apply for a PENFED card with a introductory BT rate. I did this after PENFED denied me in April due too utilization but keep in mind that was before I paid down a maxed out Star Card, Crap1, and Wal-Mart card. I was hoping to see a nice score bump once these cards update in the next 3-14 days and then I would look at applying for a card just to BT most of the balance. When applying for a BT card is it wise to ask for the full balance so they see that you are trying to remove an old debt or ask for something realistic? IE should I ask to pay of $14k or just $5k to NFCU if I apply for a BT card? My divorce is still going on and I'm up to $12k in attorney fees and no end in sight, hence the reason why I paid off the cards I might need to use for more legal fees and maintenance I will have to provide the soon to be ex (COBRA for 6 months at $5000). I was just able to get a $10k NFCU Signature VISA but obviously you cant BT within the same institution, but it will help reduce my utilization. I did apply for a career starter loan at 2.99% through USAA three weeks ago and was told I was denied due to too many inquiries in the last 24 months, but the official letter in the mail said that and too many installment loans with a balance over $2499 was the determining factor. I have listed my profile below for some insight: Revolving: Crap1: $800 Limit / $1 Bal Opened 3-2011 ( always refuse to increase CL regardless of how much i spend a month and pay off) USAA Signature: $8000 Limit / $1000 Bal Opened 6-2016 Amazon Store Card: $1700 Limit / $2 Bal Opened 3-2012 Wal-Mart Store Card: $2100 Limit / $1 Balance Opened 3-2012 Military Star Card: $3800 Limit / $0 Balance Opened 6-2012 was late 30 days in 2014, won't goodwill Navy Federal Signature: $10K Limit / $0 Bal Opened 6-2017 Bad Revolving: Navy Federal Nrewards $21k Limit / $14k Bal Opened 1-2012 Closed due to relationship issues 11-2014 Never Late Installment Autoloans: Ally: $33k / $25k Balance Opened 6-2016 NFCU: $25K / $20K Balance Opened 7-2016 (soon to be ex-wifes car in my name, should get possession when decree is finalized then trade both cars in for one) Last Scores: EX 665 EQ 677 TU 659
  15. What are your credit scores and do you have any baddies?
  16. I was active duty prior to commissioning. Do you think I could show Navy my orders and they will accept that? I'm in good standing with Navy and have all my pay deposited into a checking account with them along with a car payment. I called USAA for a recon and was told I had to many inquires in the last 12 months. I have a total of 11 since last June when I bought a new car and Aug when my ex wife bought a new car. If I balance transfer to any of the open cards I'll still be paying 15% plus interest so that is out of the question. PenFed denied me due to cc util to high. Denied for "too many inquiries." Ok, with that out of the way, exactly how did you accumulate inquiries for your ex-wife's car shopping extravaganza? Way to be an arrogant ding-a-ling. I guess you arrogance comes from the 27k posts you have accumulated. It's not like I'm a new troll account coming on here with an outrageous question with the purpose of being annoying. I've been around here since Dec 2011 and I guess this is the last time I'll post anything. With that out of the way I have a total of 12 inquiries showing up with in the last 18 months. One set was for when I bought a car and the other set was for when she used a general POA that I had drafted 5 years ago, and forgot about, to purchase a car. She didn't get a car right away and 45 days after she started looking for one she purchased one with another bank and another inq. This is the first time I've ever been denied credit for to many recent inquiries in my life. That was the only reason USA gave me for the career starter loan. Navy said my utilization was to high because they factored in the closed account. Why they would give me another 10k credit card instead I have no freaking idea.
  17. So when I got home from the branch I was pissed off and said screw it lets try an app spree. I hit the Amazon and Wal-Mart luv buttons and got a 1700 increase from Amazon and nothing from Wal-Mart. Then I decided to try for a Navy Flagship Visa even after USAA denied me for their limitless cars due to inqs. I put in the application I wanted to balance transfer 3800 off my USAA signature visa to pay that off and put my at 1% utilization on minus the closed Navy Account. I got the we will review your account and get back to you text messages and emails. I went to bed upset again and said what ever I'll just cut back more on my food expenses and pay this card off. When I woke up this morning I had a bunch of text messages and emails saying I was approved for 10k @ 13.80% APR. It didn't mention the BT but I'm assuming that it helped them decided to approve the card. Now I have the credit limits I need to move that old debt around to a significantly lower interest rate and payment.the only thing that sucks is you can't do a BT in house between cards so now I will have to play the transfer game. Thanks for the help guys.
  18. Also called Navy and they won't do anything to help me with the closed card. Claim it's because my utilization is to high, which is obviously because of the closed card I have with them. I sucks being stuck in a cycle where you can't get out of it.
  19. Called USAA and was told their decisions are final and they don't recon.
  20. I was active duty prior to commissioning. Do you think I could show Navy my orders and they will accept that? I'm in good standing with Navy and have all my pay deposited into a checking account with them along with a car payment. If the debt was formed while on active duty, the SCRA doesn't apply. Look at the installment loan options, even look at opening a new NFCU CC account. Will do. IIRC Navy uses EQ for new CC applications and that is my cleanest report, except my USAA card hasnt reported a correct balance since FEB. I might want to wait until the account balance reduces from 2k down to $2.
  21. I will call USAA tomorrow and talk to them about a recon. I've never had to ask for a recon before so I'll make sure I do some research on it before I call in.
  22. I would be 4k short of covering the balance and that wou is mad all my non store cards. I think Navy is who In have to ask for some help but I don't know what to ask for. I asked for them to reduce the I the interest and they said he'll no. Ironically, they wouldn't do that but they would give me a 2% 30k auto loan.... I was active duty prior to commissioning. Do you think I could show Navy my orders and they will accept that? I'm in good standing with Navy and have all my pay deposited into a checking account with them along with a car payment. I called USAA for a recon and was told I had to many inquires in the last 12 months. I have a total of 11 since last June when I bought a new car and Aug when my ex wife bought a new car. If I balance transfer to any of the open cards I'll still be paying 15% plus interest so that is out of the question. PenFed denied me due to cc util to high. Do you have sufficient available credit on your open accounts, that you could BT and split the balance between a couple cards? If you can zero out the closed account, your look a lot less undesirable to an underwriter. And if you can do it without max'ing the util on your other cards, then you're in a good place, then you're in a good place to seek out a new account with an advantageous BT offer, where you can park the balance for the long term.
  23. I was active duty prior to commissioning. Do you think I could show Navy my orders and they will accept that? I'm in good standing with Navy and have all my pay deposited into a checking account with them along with a car payment. I called USAA for a recon and was told I had to many inquires in the last 12 months. I have a total of 11 since last June when I bought a new car and Aug when my ex wife bought a new car. If I balance transfer to any of the open cards I'll still be paying 15% plus interest so that is out of the question. PenFed denied me due to cc util to high.
  24. I have a closed Navy Nrewards card with about 12k balance. I had closed it because it was a account that the ex wife ran up and paid for the divorce lawyers with. Now I'm stuck with this closed card with a balance. They do report it positive every month but the 12k balance with no available credit is killing my overall credit utilization. I have 5 other open tradelines that are at 1% utilization, and the other 2 will be paid to 1% before the reporting period at the end of this month. This will get me below 100% utilization and should improve my scores a bit more too. Currently my FICO scores are 670 EQ, 650 TU,660 Ex. I recently commissioned in the Army and applied for the USAA career starter loan but was denied due to percentage of balances reporting too high. What other options are there to pay this down? I'm paying 17% interest on it right now and can't afford to drop double the $299 minimum payment each month on it.

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