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drew4

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  1. Is anyone else having problems with Disco's site? I hit the love button a couple days ago and got the two day message. Logged in this AM and see that my limit is still the same. So, I navigated to the CLI link again in order to see if it was still processing (or if I was denied to try again ;-) But when I hit the link I get a message saying that they are experiencing technical difficulties and please try back later. Anyone else having this issue, or is it just me?
  2. I think you're safe Heg, unless of course your CCs are illegal clones of other peoples' CCs. In which case, you may want to avoid the area... Of course, you also may want to avoid posting about it on a public internet forum as well. Just a thought
  3. I've actually noticed a similar effect, though I just wrote it off to natural variations in how things post rather than a deliberate action on CapOne's part. That being said, I have had the experience of charging something four or five days before the statement date expecting to have enough time for the charge to post and for me to pay it off before the closing date, but then finding that it doesn't seem to officially post until the day after the statement cut date, yet it still appears on my statement. Then, conversely, I have also had the experience of charging something on a card that h
  4. Lates are legally reportable for 7 years. So, they will fall off Apr 2017, Oct 2017, March 2018, and Apr 2018.
  5. Wait, are you saying that on EX website, they talk about the NY 5 year rule (NY GBL 380-J) and say that the clock starts running from the DoFD rather than the CO date? If so, please post a link to that!!! As for EQ, they have often been hit or miss in terms of early deletions. With that said, they have been very good to me regarding the NY 5 year rule and deleting at 5 years from DoFD. TU has also been GREAT in terms of 6 months early, and with the NY 5 year rule, I even had a TL deleted at 4.5 years from DoFD (since they deleted 6 months early from the 5 years). TU has been a dream to
  6. They are the same TL, but the first one represents the period when the account was owned by CapOne (the one with the late) and the 2nd TL represents that same account but is now owned by Best Buy/CBNA. The account was technically opened in 05, so both TL have to list that open date, but the first TL was closed when CBNA took over servicing the Best Buy accounts. You could just dispute the late payment on the first TL. However, be aware that since it is a closed account and it is now serviced by a different lender, there is a strong possibility that the entire TL will be deleted. The other
  7. Mine were deleted from DoFD. EX has always stuck to the 5 yrs from date of CO, but the other two CRAs went by DoFD. I really hope there isn't some new policy at EQ...
  8. ^This is usually true, but be aware that sometimes closed TLs stay on your report for more than 10 years and sometimes TLs that are closed but are less than 10 years old "fall off" your report early. I guess my point is that like a lot of things in life, the above is just a guideline and YMMV (your milage may vary).
  9. There really isn't a magic formula for getting that utilization down. There are only two ways to lower utilization: pay it down (as Konrad pointed out rather pointedly) or get more credit. In your case, getting more credit will be difficult as your scores are rather low and your payment history isn't great either. As such, you really should be focusing on paying whatever you can to get that revolving debt paid off. Also, am I understanding correctly that after your BK you had negative payment history on an auto loan? Banks don't like BK but they really don't like to see poor payment histor
  10. I don't complain about being BL, but I have never really understood it from a business POV. Assuming that someone currently meets a bank's criteria for lending, what does it matter that they had a CO with your bank in the past? And while you could argue that the best predictor of future behavior is past behavior, this doesn't really make sense in light of the fact that most banks will let someone in with a 5 yr old CO from another bank. They only BL if the CO happened to be with the bank in question. How does that really make sense? Both of them represent past behavior, who cares which ban
  11. Just as a datapoint regarding the NY 5yr rule: I had a bunch of TLs (maybe 4 or 5) that I used NY GBL 380-J to remove. None of them have yet been reinstated. None of mine were mortgages. I know this doesn't demonstrate anything about what is CURRENTLY going on at EQ except that you seem to be the only one who has gotten a reinsertion. (At least the only one YET, fingers crossed). I should point out that for me the NY 5YR rules must have caused early exclusions of TLs rather than early deletions because the OC even tried to update the TL and EQ did not put it back on my report. (This happen
  12. I just skimmed this, so the OP may have said so and I just missed it, but did the OP ensure that at least 1 card was reporting with a balance ($2 works best). If you PIF all cards before statement date and don't allow a single card to report a balance, you will take a FICO hit. I have found that my FICO will drop about 15 pts if no cards show a balance.
  13. I am not sure I agree that this concept had EPIC FAIL written all over it. While we may not like it, the trend is a shift toward the use of Bid Data for all sorts of business decisions. The only reason they backed off from this was FB's realization that it would have all sorts of implications in terms of becoming a credit reporting agency. In fact, this will just convince businesses that they need to do this quietly and not let the public know when they do things like this. Technology is touted as a means to improve the "shopping experience" with ads tailored to the individual, and economies
  14. I am not sure I agree that this concept had EPIC FAIL written all over it. While we may not like it, the trend is a shift toward the use of Bid Data for all sorts of business decisions. The only reason they backed off from this was FB's realization that it would have all sorts of implications in terms of becoming a credit reporting agency. In fact, this will just convince businesses that they need to do this quietly and not let the public know when they do things like this. Technology is touted as a means to improve the "shopping experience" with ads tailored to the individual, and economi
  15. It may add a layer of protection against checking fraud, but its a rather costly line of protection. You realize that you are paying interest on those checks from the moment they post until you pay the balance. Even if it is only one day, you are still paying for that "service." And since the bank will cover funds illegally debited from your account, this seems a bit unnecessary. Sure, you do have to notify the bank within two days of noticing the fraudulent charges (or you may be liable for the first $500 that was stolen), and you may have to wait a few days for reimbursement on fraudulent ch
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