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Everything posted by MsIndependent

  1. Making good progress. I have paid my overall credit card down and my utilization is around 30%. My Experian FICO 8 is 723 as of May 24th, it was 667 a month ago. Thanks for the great advice! Discover did lower my interest rate, but I've marked my calendar to try again in 6 months. Based on @Kat58 's feedback, I should have some luck. Thanks for the great info!!
  2. Interest rate reduction on Discover! Sent an email to all my creditors to request an interest rate reduction/review. Discover agreed to do it! Email: BC - (EO) executiveoffices(at)discover(dot)com TO - CEO Email: rogerhochschild(at)discover(dot)com Asked for my late to be removed and my APR to be reviewed. Got a nice message that my reduction was approved. Effective in two days for all new purchases. No news on the late being removed. Fingers crossed.
  3. @cv91915 That makes sense. Thanks for clarifying. @IndyPoolPlayer Ah! Interesting. Good to know. Sorry about Mama Bear. #CancerSucks indeed @hegemony I wasn't sure, hence the question mark. There was a hegemony who was helpful to me back in 2007. Mix up on my part. Mea culpa.
  4. Let me add my current circumstances for context on paying down my debt: Ahead of the COVID-19 pandemic, I began working remotely from California (I live in NYC) to help care for my mom who was diagnosed with advanced stage cancer. I got here on the 11th of February. I, of course, am still paying all my bills in NYC. However, my recreational activities have been NIL for two months, ahead of the shelter in place orders. I also got a raise and my bonus payment during that time. So...mo money, mo money, money. Bills I am paying are rent, mobile phone, electricity, and internet. Downgraded Netflix (my adult daughter is still there), cancelled unlimited metro card auto-pay. So that is $143 a month. Overall, it gives me about $3K a month to pay down debt. So with time and disposable income on my hands, I thought I'd tackle my debt. I plan on resuming fertility treatments when I return to NYC. Things I am grateful for are that I got of NYC before COVID-19 ripped through it like crazy. I am also grateful that I get to be with my mom and help nurse her back to health. Her cancer markers went from over 5K to less than 90. She is slated for surgery in May, but of course we'll have to see how the pandemic continues to unfold. I am also grateful that my daughter is doing well in NYC and staying safe. I lost a co-worker due to the virus and that put things into perspective. Thanks for reading. 🙂
  5. @kaylee34 It happened over the last three, not six. I had two miscarriages (first in April of 2017) and two failed IVF treatments (not to mention about 6 failed IUI treatments). So my focus was elsewhere. Some days it was all I could do to get dressed and go to work. @cv91915(hegemony, right?) Points taken. The AMEX comment is in reference to the last/previous post to my update. BDK wrote "Congrats! Remember, Amex is a PIF-kinda company..." I was mostly being cheeky. What is the action that the term "rate jacking" depicts? I must have misunderstood it the 12 years I've been on CB. Understood about your comment on the Chevron TL conversion. Let me try and clarify It doesn't show VISA on the reports though. Posting below the way the tradelines read on om my report Closed Retail Card: SYNCB/CHEVRON PLCC Visa Card: SYNCB/CHEVRON DC Appreciate the responses. Hope this clarifies!
  6. I'm baaaack. A pandemic seems like a good time to dust off my credit and increase my scores (again). Amex is INDEED a PIF kinda company. They closed my account last year. I'm still paying off the card. Things I am working on now: Reducing my utilization on all my open cards (Barclays, Citi, Union Plus (Cap 1), Discover, Chevron Visa (Sync), and Target RedCard) Pay off my closed (Amex and Paypal(Sync)). Also, have some 30 day lates (5). Two will drop (SOL) this year. Two are on the closed accounts and 1 on Discover. I want to work on lowering my APR, especially on the Sync accounts. I was rate-jacked after the late. My Chevron Visa started out as a store card in 2008 and changed to a VISA in 2016. However they re-aged it so it looks like two seperate accounts. Would love to have this reflect the actual 2008 relationship for age. (Store card shows as closed/sold/transferred as of 2016) - Researching if this can be done or if it was listed as "new" because it changed from store card to Visa. It doesn't show VISA on the reports though. All around a pain, but may make sense to close it after I PIF. No inquiries on EX or EQ. Two on TU (8/18 and 2/19) for credit union (AFCU) personal loans that have been PIF and closed. Creditor Date Opened Limit Balance Status Barclays 4/14/2008 $ 6000 $4,566 Open Citi 4/21/2014 $ 4150 $3,490 Open Union Plus 2/20/2008 $ 2800 $1,718 Open Discover 4/14/2014 $ 6,500 $5,430 Open Chevron Visa 9/16/2016 (2008) $ 2300 $1549 Open Target Redcard 2/8/2008 $ 1200 $ 872 Open Amex 9/25/2014 $10000 $6,236 Closed (2018) Paypal 2/12/2008 $ 3600 $2260 Closed (2019)
  7. In what state do you reside? The National Collegiate you should try the one-two punch. PM and I can share more of my personal experience with them. Transworld is on her credit report before sending a dunning letter? I would get a letter out to them and the credit reporting agencies citing the violations. Agree with the others, she is going to need some positive accounts.
  8. APPROVED!! AMEX preferred for $10K. Higher limits indeed. My first AMEX card. I kinda want to frame it when it gets here (free expedited delivery). Would that be weird?
  9. Pulled myfico.com Experian for a rent application. 695. Need to lower my utilization. Not bad from where I started in January...
  10. New Increases: Paypal increased to $2100 Walmart increased to $1600 Chevron increased to $850 Have been focused on paying down the balance on private student loans. I have three. All with balances higher than the original loan amount, so getting them under that and then paying them off one by one is the plan.
  11. B* History EQ and TU are CLEAN, CLEAN, CLEAN Baddies remaining Barclays Upromise - 30 day late from April 2012 Target - 30 day late from late 2013 Citi - 30 and 60 day late from late 2013 High Utilization on Upromise That's all folks...
  12. Congratulations!! ...subscribing to this thread. Keep up the good work!
  13. This was MY expectation initially as well. I was SEVERELY disappointed!! They must have designed their website on a Commodore 64. YES!! Buhaha. User experience and visual design on DCU site is the pits!! Also, all my messages come up as a PDF...not sure if it is because I am on a Mac or what. Annoying.
  14. B* - AT&T is fell off. Cap1 remains as the last of 11. I expect it to fall off by the end of the week. ETA: When I pulled MPM there were 2, USAA there was 1 (no surprise, the pull bumped it) BUT when I pulled Equifax Complete.....it has ZERO inquiries. Hmmmm.......
  15. This is awesome information! My last TU inq fell off on 5/29/14 and I'll keep pulling until the end of my next SCP billing cycle which is around 6/21/14 or thereabouts. I LOVE CB (and BW). Thank you!!
  16. B* EQ b* - Discover. It should have happened on 6/2/14, per my spreadsheet, but happened on 5/31. Maybe some other pulls counted toward this? Glad it happened! Especially after MPM was DOA for several days. WHEW!!
  17. It WARMS my heart to see your progress. Another example of how hard work and diligence totally pays off on CB. Congratulations! Keep up the awesome work!
  18. B* Inquiries on TU are 0. Need to cancel SCP. Down to 4 on EQ with two due to fall off next week and the other two the following week. At that point I will cancel USAA and probably keep MPM since signing up is just a hassle. Although, I wonder if that is a bad approach....like keeping cigarettes in the house when you are trying to quit. Do I need a B* aid in the drawer, if I won't be apping?? Or am I only fighting with myself? ....or if anything, cancel MPM and keep USAA.....I hate that 24+1 damn thing anyway. TU and EQ will be clean, clean, clean of inquiries come June 9th! Utilization Had an unexpected decrease in cash flow, so looking to maintain last month's utilization on the reports and decrease it for July. I already took the hit when Upromise finally reported, since it has been maxed for a minute. I've cut my spending so I should be able to keep the other cards reporting at the same balances as last month. No New Apps! Not planning to apply for anything until September or later. I have inquiries falling off EX in August. I also will need to look for a new place to live around October. I'll focus instead on increasing the balances on my current lines. Baddies 2 years old late 1 30 day late on Upromise from April 2012 (Consequence of resurrection) - reports on all three + 6 months old late 1 30 day late on Target from Sept 2013 - reports on all three < 6 months old lates 1 30, 1 60 day late on Citi (closed account) from Oct, Nov 2013 - reports on all three High Utilization Upromise is at 95% Improvement Opportunities Target will delete lates older than 24 months old...so there will be hope in September of 2016 Citi has said no on GW about 6 million ways Upromise....it's just over two years old. I'll try to dispute at the end of 2014.
  19. Thanks for the info on Discover! My first payment just posted so we'll see....
  20. The conditions for withdrawal are payment or installment agreement via direct debit plan. It seems that discharge via bankruptcy would not qualify under the conditions of the new law.
  21. Lien was removed from all credit reports, it took about seven days from when they received my letter.
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