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CreditEmpire

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  1. Nope Chase still owns it as they are reporting the balance owed on my credit file as of June 2016 no others have contacted me on this file I sent out a letter today to try and resolve so I'll see what happens If the balance is not too crazy high, try settling with Chase before they sell it off to a bottom feeder collection agency like Investment Retrievers who will hound you to the ends of the earth.
  2. Authorized user should be sufficient for you if you want credit reporting. I believe Amex gold business card is reported to Experian Business files and not personal credit files but if I am mistaken someone please correct me. Co-signing for the card is not necessary as you have full benefits with an authorized user card regardless. You may consider Citibank AA Advantage Visa instead of Amex if you want good airline points for long haul trips. American Airlines has cheap rewards to Europe 20000 miles one way in the off season.
  3. I kept getting a great offer in the mail for the previous occupant of our house. 75000 bonus member rewards after $10K spend for Amex gold biz card.The card also has no annual fee for the first year which is a great deal. I decided to try "hijacking" the offer for my own business. I put the code in on Amex website and changed the business name to my own and put all of my own info on the app. I got the "please call" notice which was just a security screen, no big deal. The agent then approved me and said the card would be express mailed ASAP. Just so people are aware that this is possible in case you keep getting offers for some other business at your house.
  4. Congrats! I just got the same card for myself and wife too. Total of $150,000 American miles on the way. I also just got approved for the business Amex gold card with 75000 member rewards points bonus for 10K spend. These will become British Airways Avios which are great for short haul flights.
  5. IIRC Discover combines limits. If they are willing to PC, close the it and move the limit to the Escape, then PC the Escape to an it. Discover said they would not combine the limits. That was my first try.
  6. I converted my Citi AA Gold to the Citi double cash card to avoid annual fees. I plan to dump Discover IT because of the ridiculous $6500 toy limit. I have $15K on Discover Escape (with annual fee) that I will keep if they convert it to Discover IT (no annual fee) with the same limit. If they don't, I will dump that one as well. I may dump Sallie Mae Barclay too just because they won't give me the US Airways card (on their permanent s**t list). Might dump Care Credit too since I have insurance now and never use it.
  7. Update when you hear back, I'm on their list as well... Well, I called the Barclay Recon line this morning. The guy said he talked to his supervisor and it's not going to happen. I even asked if they could just close my Sallie Mae and move the credit line to the new card. So even though there is no new risk to the bank, no dice. Lame. At least I got approved for an Amex Biz Platinum yesterday with 100K bonus miles to ease the pain.
  8. Thanks guys! I should try a recon with Barclay. I could argue that they already service a Sallie card for me so why not another?
  9. Get the Target Red Card Amex re-loadable debit card instead. Not a credit card but you can load $5000 a month from rewards card on the card and earn free points. It's not available in all states though yet.
  10. I waited several months for my inquiries to age and its paying off now. Penfed $25,000 increased to $28,500 New Chase United card approved for $20,000 (Chase is now my largest sponsor) Andrews spontaneous credit increase from $5000 to $8500 One fail: Applied for a Barclay travel card and flat out denied due to "past history with Juniper". The silly thing about this is I have a Sallie Mae card with Barclay and they continue to service it regardless of my blackball history. I won't waste any more inquiries on Barclay since they blackball FOREVER.
  11. They can pull hards whenever they want if they have a court judgement on you. This activity in itself can destroy your credit score and it amazes me there is no law against the practice. A zombie collector did a hard on my Experian about a year ago but luckily I have not heard a peep out of them since.
  12. That's funny because WAMU thinks I burned them on a HELOC years back which is really quite impossible since it was secured by my house. At the time I did not fight it much because it got lumped in with all of my other charge-off accounts.
  13. That's cool they do the combo/merger trick still. Seems like most other banks won't do that anymore even though it saves them money by only having to service one account instead of two. I may be on their S-list too since I have a $19K truck loan and the 25K card already. I may try hitting them up though for another card to try the merger trick. I would love a $50K card like I used to have in the good ol days.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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