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Everything posted by PotO

  1. Is there a LUV button or do you have to speak with them?
  2. Yup. Even though the CRAs delete the AU account from the AU's credit report, that may not end the headache. Although AmEx has eliminated financial liability for AUs, there are still financial institutions that do hold them liable. Pay close attention to the ToS on USAA credit cards, for example. Then there is Navy. They don't give a rat's arse about ToS. Hell, they'd probably try to hold anybody that lives within a three block radius of your house liable.
  3. Your pink-flowered jacket will look soooooo cute in there. 🥰
  4. Shifter is, of course, right. You can lead a horse to water, but you can't make them drink. To preserve the friendship, I'd leave her be and let her ruin her life. Maybe when she hits rock bottom, she'll see the light. Maybe not. Since she isn't a family member, there probably isn't much else you can do. Were it a family member, physical violence works wonders. 😂
  5. First of all, it's important to note that no creditor is bound by a divorce court decision. As far as a creditor is concerned, the account owner is responsible for everything. That's not to say the stain of default cannot appear on the AU's credit reports, however -- at least temporarily. I believe the divorce decree states as you indicated. The account owner is SOL and has to pay for any debt run up by the AU. That is not to say, however, that he / she can't go back to the judge and ask for a modification after explaining the circumstances. Whether or not the judge will make the modification is another story.
  6. You will not win. PACER is a public database that anybody can use to lookup your BK, as well as any other federal judicial action you have been involved in. As long as your BK is on PACER, and TU claims they have searched PACER, you are SOL. I doubt LexisNexis has deleted your BK. LN has many different services and some you have never even heard of. They might have deleted the BK from one or another, but not all. Never all. That data never dies. The CRA is under no obligation to provide you any investigative material. All they need to give you is: "... a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; ..." They told you they verified via PACER. Game over. The next step TU could take is to declare all your future complaints as frivolous and / or put you in Special Handling.
  7. Just started reporting for me. Also Apple Card has gotten on the band wagon and now you can use your bank's BillPay to make electronic payments on your card. That said, there are several different billpay providers and different banks may use different ones. I do know that Citi's BillPay works (in fact, has always worked). USAA, Navy, CapOne and BoA use the same BillPay provider and they now work.
  8. The simplified version is that FICO looks at the average age of your accounts and the age of your oldest account. Longer = better. Then there is what actual creditors think. Creditors do not like very much to extend credit to someone without a proven track record. Until your accounts are over two years old, they look at the accounts as "new" and you as a newbie / toddler / wet behind the ears / or similar term. Many won't even extend you credit, but of those that will take a chance you can expect low limits and high APRs (not that APR should even matter, mind you).
  9. 3/4 of my hard INQs on EQ have EIS/ML. Quite a few of my soft INQs have EIS/TD or OR + 10-digit number + ES. Some replace the OR with a NV.
  10. It might be a YMMV situation. I know for a fact that you can dispute with AmEx online and they will not hold you liable for the disputed amount until after they have finished their investigation. The amount still shows in your balance, but they have this rather annoying pop-up banner that reminds you of the amount in dispute and not to pay it.
  11. Thank you. 10 ... 9 ... 8 ... 7 ... Only a few moments left until SJWs start crying / trying to sue Colonel Sanders.
  12. Were you the only one in that Richard-Simmons-reject pink-flowered jacket? Most DHSs do love HAMs.
  13. It is far more complicated than just who can survive longest. There are international political considerations that could keep a solution, no matter how lucrative, at bay. China, for example, is perfectly capable and willing to cut off their nose to spite their face under certain political scenarios.
  14. And here's another one for you. Did you know our Kat has a sexy southern drawl? https://nypost.com/2019/12/05/cat-says-well-hi-with-southern-accent-in-must-watch-viral-video/
  15. You are letting me get on top??? 🤗
  16. Social media is wonderful and a great money saver for the government. I've invited many a young lad / lass to non-judicial punishment and fined the bejesus out of them for stupid crap they've posted on social media. Free speech is not free.
  17. AmEx is good with disputes. They will not make you pay until the dispute is resolved even if you submit it online.
  18. Tough call, but I'd take someone on 'shrooms over a porch surfer in a pink-flowered jacket any day of the week.
  19. You read my mind. Shall you lead, my dear? I'll pitch in.
  20. Damn you are good! The good ole days. Wish all those guys were still here.
  21. Anybody know what Synchrony's maximum exposure is? I've got $121,500 currently spread out amongst half dozen Synchrony products and tried for a CLI. Got shot down with a "requested credit line exceeds the amount of increase our policy allows". Is there a sticky with maximum exposure data from all lenders?
  22. You should try USAA. Although not nearly as good as Navy, they are better than a lot of other banks.
  23. I just applied for a $25k personal loan for my sister-in-law and it took me all of 3 minutes for instant approval. And for the record, I totally agree with Shifter that Navy is a great CU.

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