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clumsycajun

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Everything posted by clumsycajun

  1. I would love to have my Care Credit increased but I would use every penny of it. LOL. I don't know how I haven't already except that the procedure I want is more than my card's limit.
  2. Just out of hatred for Sallie Mae, I won't get their card. Long story but basically I was supposed to be receiving my statements by email, which apparently I wasn't. I had a forbearance and it ended at the same time that I had a baby. I didn't know because I wasn't receiving statements. A month or so after I started thinking that I hadn't heard from them so I called and found out that four of my accounts had been marked negative, so I have 4 negatives on my report. I have written, called, begged, offered them my first born....nada. And they are set to go positive in 2019. Nice.
  3. No that is what I meant. I always pay in full. I wouldn't even have any cards at all if the credit "game" wasn't so effed up. Gotta be a potential risk to have a higher score. America!!!
  4. I thought the rule was to stay at like 2% utilization.
  5. Yeah. I have the cash to pay it off immediately. Just wanted an Amazon card since I shop there very often and it would be a good one to keep a low balance on.
  6. Yup. That is the one. They gave me a $200 increase. Hold your seat, now! Not going to get me the camera I wanted.
  7. Called the number, was told I did have the underwriting team and got denied. Do I call back? Seems like I would have been transferred to someone.
  8. Awesome. Ok. I'm about to call. Thanks for the advice. I'll keep you guys posted.
  9. Got approved for an Amazon card with a CL of $600. I was hoping for much higher. At least $2000. Anyone have luck getting that high of an increase by calling the recon number? Hi everyone, by the way! I have some good updates for another post!
  10. Louisiana CHOPPED 91 down to 17. Removed 7 of the 10 and those 3 are mortgage stickies anyway. I'm happy!
  11. Lender sent for VOE for past two jobs. The previous employer puts "termination due to substandard job performance" on the request form. Wha? It's not a damn job interview. Just did he actually work there and did he make x amount of money.
  12. Have all but one inquiry b* from TU and its a mortgage pull. Do I bother to continue pulling or is it a sticky and I just leave it?
  13. I am using a mortgage broker. Tell me if I understand this correctly. She works with a lender that deals with VA loans. That lender is the one that does the underwriting, etc. and if everything checks out then the VA guarantees the loan? How long does it take to hear back generally? I know it's probably a lender specific issue but I'm hoping someone has some insight. It's day three with no word and I'm starting to get antsy.
  14. I pulled myfico yesterday and my scores were 711, 667, 710 and mortgage broker just pulled and they are 709, 667, 708 so pretty darn close.
  15. In my case the four that are showing are stickies. Every other inquiry has somehow... ahem... disappeared. I love it when that happens. I blame UFOs.
  16. I'm going to keep up with b* anyway because I should have them done by the 13th of this month and maybe my score will get a little boost. Either way, it's weird and I wonder what the mortgage lender would see?
  17. No all 8 have happened since January. Two are mortgage so they are stickies but the other six are since beginning of this year.
  18. So when I pull my reports on myfico.com, there are only 4 inquires compared to the 8 that the monitoring services all show. Anyone else notice this?
  19. My parents are giving us a substantial amount of money as a "gift" to use towards our down payment. We are also putting a large amount down but last time we tried to apply, there was an issue with the gift funds because DH's credit score wasn't high enough. Now that I have worked on it, that is no longer an issue. My question is does anyone know of a faster/different way to have the money in your account without having to wait 60 days for it to be seasoned?
  20. I'm not in TX anymore. We used to live in Austin but we are in the New Orleans area now.
  21. We haven't talked about that yet. He and his Senior partner are going to conference call me again next week. More than likely, there will be but I would honestly pay to have DH's only remaining negative TL disappear.
  22. I posted about this probably a week or so ago but here is the run down. DH and I had a joint loan through a credit union for a truck. It had some late pays but the last one was 5 years ago. Anyway, it is completely paid in full. I have the title. For whatever reason, on my TU report it shows that I have a $829 balance. I have disputed with TU and it comes back verified each time. I send a letter directly to the CU and they send me a letter back telling me to contact TU. I have 6 letters now showing this back and forth since January. Anyway, in addition to them not correcting my report they have started doing hard pulls every time they get a dispute from me. I now have 3 and DH has 2. I sent them a letter last week when there was only one on each of our reports and said something like "maybe you meant to do a soft pull please clear this up as you had no permissible purpose to pull my credit" and they did another pull that day and again the next. So I filed complaints with the CPFB, the FTC, the NCUA, the BBB, and the TX Attorney General's Office. Today I called a Consumer Protection attorney and he wants to take the case. He said it sounds like a rogue manager that can see that I am mortgage shopping and is taking advantage of thinking I don't know the law so the attorney would like to, at the very least, get them to delete all together but also maybe pay some fines.
  23. If only it were that simple. So does TUP actually work to bump TU? I am paying for it and pulling daily but when I looked at the TU backdoor it is only showing SC pulls.
  24. I actually haven't missed a day since May. LOL. I'm super anal and OCD.
  25. Guess I'm just freaking that they will do it a week early next month since they did it a week late this month.

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