Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited

Everything posted by janine510

  1. I just applied about 8:00 pm this evening and got same message and at the top of the message it said "unable to process your application" and to call the number, he just verified my address and verified my phone number then sent me a text and asked me to give him the code that he text and then he put me on hold and approved for $2300. I have been trying to get a Sears card since 18 years old and never never been able to get one and today at 41 years old I said I got nothing to loose and BOOM!! Still can't believe it!! Have to go into the store to use account before my card comes, excited about tomorrow:-)
  2. When I left my closing (on a Tuesday) I had "keys in hand" and I went directly to Home Depot and started shopping and while shopping I was on the phone with Chase getting my cards increased, then when I got home I went on an app spree (approved for several cards) and by Saturday purchased a car. So I would agree, have keys in hand. I have been in my home 2 years now. Hope this helps.
  3. They will go by the total income on Tax Return (adjusted gross income). Then if I remember correctly they did an average. Purchased a home 2 years ago and my income was a combination of W2 and self employment. No issues. Good Luck!
  4. ok thanks Shifter, will do!! Happy Friday!
  5. @ Shifter how will I know when B will occur since TU counter telling me I have almost 200? Any ideas...
  6. No luck for me first time I tried was about and hour ago, then I tried a before this post and got same message. "Already pulled blah blah blah" Went to Quizzle pulled fine for me.
  7. What am I doing wrong? I put my TU softs in the counter and it's telling me I have like 154. I have tried deleting some of the verbiage and it still tells me I have over 100...someone please tell me what I am missing. Thanks
  8. EQ does not report for me either (almost 1 year) and I would have to dispute for things to update. The last dispute I did for update DELETED one of my auto loans. So now I am gardening so I won't worry about for now.
  9. When you apply for a HELOC do they check all 3 bureaus as if you where applying for a new home loan? or are they willing to check only your best one if requested? Thanks
  10. Anyone know why when I pull report for EQ it is showing on separate lines? I has not done this before, could this be something new? QUIFAXBLK 03/26/13, 12/17/12 Equifax Consumer Services 01/17/14 ND-Equifax Consumer Services 03/20/14 ND-Equifax Consumer Services 03/19/14 ND-Equifax Consumer Services 04/07/13
  11. Hope not, my EQ score is 731 according to AMX and USAA. I only have 2 other inquiries and low balances on 3 store cards, and no balances on my Major cards. We will see what happens...
  12. I applied yesterday for Total Rewards and they pulled EQ for me. I got the 7-10 day message, so I called just a few minutes ago and the guy said it normally takes 7-10 days and I will be notified via mail.
  13. janine510


    What does the D in DCU stand for? I want to do some research on what their Credit Union offers. Thanks
  14. In my experience with MPM and not being able to pull until recently my address on EQ report didn't match what MPM had so it wouldn't pull. MPM had my PO Box and EQ had my physical. I called MPM a few days ago and they changed it in their system to my physical address. The rep actually pulled the report fine after that, and I have been able to pull again!!!!
  15. janine510


    This is the error I am receiving when I click on the Counter link 404 Not FoundThe server can not find the requested page: (port 80) Please forward this error screen to's WebMaster. Apache/2.2.23 (Unix) mod_ssl/2.2.23 OpenSSL/1.0.0-fips mod_auth_passthrough/2.1 mod_bwlimited/1.4 FrontPage/ Server at Port 80
  16. janine510


    Anyone else getting error message for counter?
  17. Anyone else having issues with counter error message?
  18. I am going to work on utilization. Thanks I will you posted.
  19. No baddies on report, but I do have high utilization on a couple of my cards, and 17 hard pulls on experian, 4 on equifax, and 0 on transunion. (thanks to CB!) I do also notice that the reports are not consistent across the board. I guess I will have to work harder to get the balances down. Wish me luck!
  20. I WANT IN!!!!! PLEASE!!! According to USAA: Why is my Experian always so far off from the others? Experian® Score Date: 12/18/2013656 Equifax® Score Date: 12/18/2013734 TransUnion® Score Date: 12/18/2013711 Am I playing the wait game with time? ;-(( Experian® Total Accounts: Open and Closed 53 Accounts Oldest Account Age: 11.6 Years Average Account Age: 2.8 Years Equifax® Total Accounts: Open and Closed 42 Accounts Oldest Account Age: 10.2 Years Average Account Age: 3.7 Years TransUnion® Total Accounts: Open and Closed 51 Accounts Oldest Account Age: 5.9 Years Average Account Age: 2.4 Years What can I do to get there? Anyone, Anyone

About Us

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.
  • Create New...

Important Information