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PotO

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Everything posted by PotO

  1. PotO

    So Many Denials

    Gotta agree with Brndnh721. Two collections are definitely hurting you. Having what is termed a thin file is also a severe disadvantage, especially with Chase. You need to have several revolving accounts that have some age to them. Inquiries are going to start to hurt you soon, too, probably. I'd go for a secured card or two and then let them age. Meanwhile, work to get those collection accounts sorted out.
  2. Hopefully others will chime in with their opinion, but, meanwhile, IMO an AU helps more when it adds age to your credit profile. Still, I don't think it would hurt you. Just make sure you don't let a high balance report lest you cause harm to the scores of you both.
  3. The reason it is free is because it is not worth paying for it -- at all. If anything, it would be worth money as a daily puller to make TU INQs disappear. That ship has now sailed. Account aggregators are a dime a dozen. The scores they provide are illegitimate b'tard children with two insurance scores that could only aspire to be of dubious value. In short, the site only exists to convince folks to apply blindly for whatever credit product that happens to be paying Credit Karma commissions at the moment. Some of the credit advice they offer on the site was clearly written by credit retards. Of course it has to be free.
  4. Sounds good. I just wish they didn't use such ominous wording.
  5. Could be. But knowing AmEx, it probably isn't.
  6. Huh? They have to verify with their customer every check over $250?? Are they freaking purple????? If my bank calls me over every check I write for $250+ I'd be extremely pissed. I'm sure it means if a person who is not a customer attempts to cash a cheque at their branch, then they verify it. Personally, I wold just go to a bank I have an account with. I don't remember the last time I actually cashed a cheque. I'm sure it does, too. But the fact remains that if *I* write a check on my account at, say, PNC, for over $250 and PNC has to phone me every time the payee -- whether they are a PNC customer or not -- tries to cash the check at a PNC branch, I'm going to soon get pissed and start thinking of how to channel my anger in a legal way to cause PNC maximum headache. God invented signature cards so that purple bank tellers the world over can see if the account owner's signature and the signature on the check match. You can always vote with your feet. Sure, I could. And I eventually would if they didn't start taking their meds. But prior to voting with my feet I'd use them to kick them in the head. Sometimes education comes at the end of a stick.
  7. Ultimately I would go up the chain with AmEx. AmEx rarely outright sells a debt and generally uses a dedicated AmEx collections team at certain CAs. This allows them to avoid certain restrictions that pertain only to CAs and not OCs when trying to collect. Since AmEx still likely owns your now non-debt, they should take responsibility for what their collections people (inside or outside) promised to do.
  8. Give them a call or send them a secure message. Calling might be better, though. While they don't often budge, they slap you down as nicely as possible.
  9. I received the same notice for my BCE. Without going back to look for it, I think there is also wording that they can check your creditworthiness from any sources. This sounds like they are sending a Mormon to survey your neighbors on how many bags of groceries you carry into your house from your car each Saturday. Time to call their executive offices and ask them just WTF they mean by this.
  10. Huh? They have to verify with their customer every check over $250?? Are they freaking purple????? If my bank calls me over every check I write for $250+ I'd be extremely pissed. I'm sure it means if a person who is not a customer attempts to cash a cheque at their branch, then they verify it. Personally, I wold just go to a bank I have an account with. I don't remember the last time I actually cashed a cheque. I'm sure it does, too. But the fact remains that if *I* write a check on my account at, say, PNC, for over $250 and PNC has to phone me every time the payee -- whether they are a PNC customer or not -- tries to cash the check at a PNC branch, I'm going to soon get pissed and start thinking of how to channel my anger in a legal way to cause PNC maximum headache. God invented signature cards so that purple bank tellers the world over can see if the account owner's signature and the signature on the check match.
  11. Yes, it will show up. Depending on your luck, thought, it may not hit EX, but it will hit TU and EQ.
  12. Huh? They have to verify with their customer every check over $250?? Are they freaking purple????? If my bank calls me over every check I write for $250+ I'd be extremely pissed.
  13. I may be wrong, but I seem to recall there is a setting for notifications and one of the criteria is a change in score.
  14. Every lender handles things differently. There are two fundamental methods to be added to your gf's accounts. If added as an authorized user (AU) generally they will not pull your credit report or at least make it a soft inquiry if they do. Most credit card companies will report the AU account to your credit report, but not all. Some only appear on one or two, but not all three of the credit bureaus. And some only report if you and the primary account holder share the same address. Finally, not all credit card companies will give weight to AU accounts when you apply for their card. As a joint owner on the account, you're in a better position. Of course, there is risk for your gf because if you screw up her credit will suffer. A joint account should appear on each of your credit bureau reports and you will inherit the full effects of the account. In theory, a credit card issuer would pull your credit report before allowing you to be added to the account. However, my wife recently decided to add me as joint on all of her accounts and not a single creditor pulled my credit report. There is a method you can use to ensure your credit report is not pulled if you are afraid of inquiries.
  15. Exactly! LART works every time.
  16. My mistake. You're correct that it is setoff and not offset.
  17. If the loan was with the same bank as the checking account, I'm pretty sure they do not need to initiate any legal action prior to offset. Almost every loan agreement I have ever seen gives the bank right to offset.
  18. The headline is accurate, but your understanding is off. CrapOne is, in fact, purging accounts. They are not, however, purging all accounts. They are purging some. The CSR told me when I called to pull the plug that they were closing some accounts, but that mine was safe. Regardless, it's an account that is useless to me and taking up space. It served its purpose for a day or two, but not now. Nothing sentimental driving me to keep it.
  19. Strange. Is Navy changing their habits? I have never had them pull anything but EQ for credit products.
  20. PotO

    Amex AU

    They will let you add without SSN, but you need to insist.
  21. Good to know. I will look into it. Thanks!
  22. They can be stubborn. How long ago since you parted ways with them? I have had success getting people in my unit a second chance so if you happen to be on active duty asking your company commander or first sergeant to go to bat for you may help. Otherwise, I'd call and seek executive relations or their Facebook people. Plead your case and hope for the best. A letter to the CEO probably couldn't hurt.
  23. They do have an excellent checking account product. Better than a lot of CUs.

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