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Saleen

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  1. Saleen

    Chase Slate

    I'm in a bind on 4 cards reporting a balance and my FICO has gone from 791 to 737. I'm trying to figure IF I could apply for the Chase Slate since it is a 0% card for awhile and transfer all my balances to it and have one card report a HUGE balance (13k or so). I'm not sure I could even be approved at this point as bought a new car last month and my utilization is high. Can anyone verify that the Slate card could come with a nice CL? I do have a Freedom @ 8.5k with 2.3k balance now. Would FICO improve by transferring to having one card closed to maxed out or even have two report instead of 4? Figure the new account and inquiry will drop FICO too, yes? Wanted to app for CSP but there isn't a promotional on it, but figured the CL would be at least 8.5k and help utilization. My highest CL card is 12.5k What's the most logical answer since I am unable to pay the CC balances now?
  2. I called today and got a rep who stated they are mailing a form for me to fill out. I requested 23.5k hoping to avoid FR. What would this form be? Sounds like they want W2's, I'm not sure. I'm not providing that info of that's what it's about. I'll just wait 6 months and try again with a lesser amount.
  3. I'm sorry. It was 5/28 not 6/28!! I tried for $23,500 to stay under FR and figured worst case scenario they would counter offer with something. Still the rep said 90 days before CLI were allowed. Everything on this board suggests that it is most surely not 90 days and is 61 days. I feel the particular rep I spoke with was unsure. I keep checking my account online to check for an updated CL but no luck as of yet.
  4. Today I tried to request the 3x CLI on my BCE. I requested it online through my mobile phone as I was headed to work. My initial CL was $9400 and the account was opened 6/28/13 so I had thought I had the 61 days beat by a day or so. The message I received was I would receive a letter in 7-10 days. I called in afterwards to the CSR and I asked did I jump the gun in asking for an increase since my account was so new. He said it takes at least 90 days before an increase can be requested. Has anyone recently tried the 3x or any CLI and been told to wait 90 days? Maybe it is still 61 days and he wasn't sure and I requested it a day or so early and was rejected? Like I say, I was approved online 6/28. Any ideas because I had really hoped for the CLI! TIA
  5. Yes, the car is in the garage. Purchased the vehicle in Texas.
  6. I had been debating over buying a new vehicle for a few weeks. Today I finally went back to the dealership and signed the papers without digging deep down to think about it harder.. Approved with $0 down on a 38k loan. EX FICO was 799 and I took two HP's on each CRA. On the hour long drive back from the dealership I had thoughts that a new vehicle was a terrible idea at this point in my life. Tons of personal things going on, etc. Now I wonder if I can get out of this if I do it in a timely manner. Bought the car this afternoon around 5 CST and wonder if I went back Monday if I could back out and erase the whole mess. If coarse the inquires would be there, but at least I wouldn't be stuck with a $600 payment for 6 years. Is there a law or other legal timeframe that I might be entitled to for situations like this?
  7. To those of you who have used a CC to make an auto payment, how does the transaction get posted to the CC account? Is it treated like a cash advance and other fees added with the payment? I was going to use my Amex for a couple auto payments every month if there is no extra fees. I guess the auto lender may charge extra fees for the CC payment as well.
  8. Approved for BCE a few days back. Since approval I have used the card quite a bit. Online account status says my statement closes on the 23rd. Those approved for Amex cards, do new accounts just pop up on the CRA's or do they follow suit normally, like after the statement closes? I just didn't want a balance to report and get dinged for multiple accounts with a balance. Can I use the card for simple things like lunch, gas, Wal-Mart things and a few small utility bills without causing an issue for my 61 day 3x CLI attempt? I thought I had read somewhere Amex doesn't like specific purchases on their card(s). I am hoping my new CL of 9.4k can reach 20k on my 61 day attempt. I also took 2 HP's today from Chase and Citi. Citi TY card is 11 months old went from 5k to 12.5k, I asked for 12.5k but should have asked for more I guess. Chase Freedom was 11 months old. It was 1.6k and asked for 8.5k to match my Barclay MC and was approved. So a really good day and thought that was the thing to do before the new Amex reported and my AAOA went down and my score as well. Citi pulled EQ here in Texas and Chase was EX. Amex for the next 61 or so days is my priority for the 3x CLI. I just want to use the card right and not draw attention to my account.
  9. Pulled the trigger and somehow didn't get instantly declined. Had to call in to verify home address. Everything was discussed and then she came back with approved and congratulations. Rewards, cash back and the 0% interest was mentioned. Nothing about my CL except it would be with my welcome packet in 7-10 business days. Is there a way I can find out what I was approved for? A specific number perhaps someone used for this same situation. I have two cards at 8.5K. I'm hoping they at least matched that. Any info is appreciated. BTW, it was only a HP on EX. Found out 9.4K, thanks...
  10. I was at work yesterday and had a phone call from Dynamic Recovery Systems claiming they had been faxed over documents regarding an old CC balance. The lady was very, very rude and assumed I was going to just shell out the money and pay the alleged $2k old balance from 2001. She said it was from Applied Bank or something like that and that bank was no longer in business. I kindly explained to her that alleged debt is almost 12 years old and she was trying to collect way outside the SOL. That really set her off and she wanted to know how I knew anything about the law, etc. The phone call didn't last much longer and said she would pass the info along to the original creditor that I was uncooperative and hatefully denied a payment arrangement or a PIF. My next thought was now they are fixing to report something negative and have they already tried to pull my credit report. Sure enough, a checked EQ and there was a hard pull from Dynamic RS. I should have known from the start that was how they got my cell number. So can dispute that inquiry off? I did not give permission and they are not my creditor so I don't know if that makes it eligible for a valid dispute. Plus, it is an alleged 11-12 year old debt, do I have a chance at removal? TIA
  11. My EQ went up 24 points with no changes today. I was hoping it would increase because a new month started. This makes two months in a row that on the 1st I've had a nice score increase.
  12. Does this help anyone figure out TUT? I started TUT on the 1st of April. Pulling CK, USAA-CCMP, EQ, SCP, MPM and TUT, dunno what is what here. I DO think SCP is Pathway Data. Just BD'd my report to get this info below. Can we see if anything overwrites? Couldn't get a screenshot of the report so I had to copy to Word and paste...... XXXXXXXXX via TRANSUNION INTERACTIVE I 100 CROSS ST STE 202 SAN LUIS OBISP, CA 93401 Phone number not available Requested On: 04/09/2013, 04/06/2013 Permissible Purpose: CONSUMER REQUEST XXXXXX via KARMA/TRANSUNION INTERAC 100 CROSS STREET SAN LUIS OBISP, CA 93401 (805) 782-8282 Requested On: 04/09/2013, 04/09/2013, 04/09/2013, 04/09/2013, 04/08/2013, 04/08/2013, 04/08/2013, 04/08/2013, 04/07/2013 Permissible Purpose: CONSUMER REQUEST XXXXXXXXXXX via PATHWAY DATA INC 265 BRIGGS AVENUE COSTA MESA, CA 92626 (877) 372-3895 Requested On: 04/09/2013, 04/08/2013, 04/07/2013, 04/06/2013, 04/05/2013, 04/04/2013, 04/03/2013, 04/02/2013, 04/01/2013, 03/31/2013, 03/30/2013, 03/29/2013, 03/28/2013, 03/27/2013, 03/26/2013, 03/25/2013, 03/24/2013, 03/23/2013, 03/22/2013, 03/21/2013, 03/20/2013, 03/19/2013, 03/18/2013, 03/17/2013, 03/16/2013, 03/15/2013, 03/14/2013, 03/13/2013, 03/12/2013, 03/11/2013, 03/10/2013, 03/09/2013, 03/08/2013, 03/07/2013, 03/06/2013, 03/05/2013, 03/04/2013, 03/03/2013, 03/02/2013, 03/01/2013, 02/28/2013, 02/27/2013, 02/26/2013, 02/25/2013, 02/24/2013, 02/23/2013, 02/22/2013, 02/21/2013, 02/20/2013, 02/19/2013, 02/18/2013, 02/17/2013, 02/16/2013, 02/15/2013, 02/14/2013, 02/13/2013, 02/12/2013, 02/11/2013, 02/10/2013, 02/09/2013, 02/08/2013, 02/07/2013, 02/06/2013, 02/05/2013, 02/04/2013, 02/03/2013, 02/02/2013, 02/01/2013, 01/31/2013, 01/30/2013, 01/29/2013, 01/28/2013, 01/27/2013, 01/26/2013, 01/25/2013, 01/24/2013, 01/23/2013, 01/22/2013, 01/21/2013, 01/20/2013, 01/19/2013, 01/18/2013, 01/17/2013, 01/16/2013, 01/15/2013, 01/14/2013, 01/13/2013, 01/12/2013, 01/11/2013, 01/10/2013, 01/09/2013, 01/08/2013, 01/07/2013, 01/06/2013, 01/05/2013, 01/04/2013, 01/03/2013, 01/02/2013, 01/01/2013, 12/31/2012, 12/30/2012, 12/29/2012, 12/28/2012, 12/27/2012, 12/26/2012, 12/25/2012, 12/24/2012, 12/23/2012, 12/22/2012, 12/21/2012, 12/20/2012, 12/19/2012, 12/18/2012, 12/17/2012, 12/16/2012, 12/05/2012, 11/27/2012, 11/24/2012, 11/11/2012, 11/06/2012, 11/01/2012, 10/30/2012, 10/21/2012, 10/13/2012, 10/11/2012, 10/06/2012, 10/04/2012, 09/29/2012, 09/22/2012, 09/17/2012, 09/16/2012, 09/15/2012, 09/11/2012, 09/10/2012, 09/07/2012, 09/04/2012, 09/02/2012, 08/31/2012, 08/30/2012, 08/29/2012, 08/26/2012, 08/24/2012, 08/23/2012, 08/22/2012, 08/21/2012, 08/19/2012, 08/18/2012, 08/17/2012, 08/16/2012, 08/15/2012 Permissible Purpose: CONSUMER REQUEST XXXXXXXXXX via TRANSUNION INTERACTIVE 100 CROSS STREET #202 SAN LUIS OBISP, CA 93401 Phone number not available Requested On: 04/08/2013, 04/07/2013 Permissible Purpose: CONSUMER REQUEST FEDERAL BOND COLLECTIONS 2200 BYBERRY RD SUITE 120 HATBORO, PA 19040 Phone number not available Requested On: 04/08/2013 CONSUMERINFO via CONSUMER INFO.COM 18500 VON KARMEN A #900 IRVINE, CA 92612 Phone number not available Requested On: 04/05/2013 Permissible Purpose: CONSUMER REQUEST TU INTERACTIVE 100 CROSS ST #202 SAN LUIS OBISP, CA 93401 Phone number not available Requested On: 03/31/2013, 05/04/2012 TRANSUNION INTERACTIVE I 100 CROSS ST STE 202 SAN LUIS OBISP, CA 93401 Phone number not available Requested On: 03/28/2013, 03/21/2013, 03/13/2013, 03/06/2013, 02/21/2013, 02/05/2013, 01/23/2013, 07/25/2012, 07/04/2012, 06/27/2012, 06/13/2012, 05/16/2012 Permissible Purpose: CREDIT MONITORING CONSUMER INFO.COM 18500 VON KARMEN A #900 IRVINE, CA 92612 Phone number not available Requested On: 03/28/2013, 03/21/2013, 03/13/2013, 03/06/2013, 02/21/2013, 02/05/2013, 01/23/2013, 12/28/2012, 11/07/2012, 11/06/2012, 08/15/2012, 07/25/2012, 07/04/2012, 06/27/2012, 06/13/2012, 05/16/2012 Permissible Purpose: WRITTEN AUTHORIZATION EQUIFAX CONSUMER SERVICE 1550 PEACHTREE ST ATLANTA, GA 30309 (866) 640-2273 Requested On: 03/28/2013, 03/27/2013, 03/21/2013, 03/13/2013, 03/06/2013, 02/21/2013, 02/06/2013, 02/05/2013, 01/23/2013, 01/02/2013, 12/28/2012, 11/07/2012, 11/06/2012, 08/15/2012, 07/25/2012, 07/04/2012, 06/27/2012, 06/20/2012, 06/13/2012, 05/16/2012, 04/18/2012, 03/21/2012, 03/13/2012, 03/12/2012, 03/12/2012, 03/12/2012, 03/12/2012 TRANSUNION INTERACTIVE 100 CROSS STREET #202 SAN LUIS OBISP, CA 93401 Phone number not available Requested On: 03/28/2013, 03/21/2013, 03/13/2013, 03/06/2013, 02/21/2013, 02/05/2013, 01/23/2013, 01/02/2013, 12/28/2012, 11/07/2012, 11/06/2012, 08/15/2012, 07/25/2012, 07/04/2012, 06/27/2012, 06/13/2012, 05/16/2012 Permissible Purpose: CREDIT MONITORING DISCOVER FINCL SVC LLC 2500 LAKE COOK RD RIVERWOODS, IL 60015-3851 (800) 347-2683 Requested On: 03/21/2013, 02/21/2013, 01/21/2013, 12/21/2012, 11/21/2012, 10/21/2012, 09/21/2012, 08/21/2012, 07/22/2012, 06/21/2012
  13. Any update on if TU Total is effective for B*? I signed up last week but unable to verify if it is helping at this point. I have two hards dated the 21st and 28th of March I'm working on so I'm nowhere close unless SCP, CK and TU Total each count. I've always B* with SCP,but will cancel TUT if it isn't speeding up my process.
  14. I have been converted today as well to the new site with only weekly pulls.

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