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Everything posted by californiadreamin

  1. Hello CB Family! I was wondering if anyone had luck getting off the NFCU blacklist. I had to file BK a few years back due to getting sidelined at work after an accident. Obviously I couldn’t pick and choose who I included in my BK and I regretted including NFCU and AMEX. I applied for a secured card with NFCU and was instantly denied for causing them a loss. I contacted them and asked how I could pay off my past debt (which is something I can do easily since my balance wasn’t very high on my old credit card. They replied that since I caused them a loss, I wouldn’t ever be able to obtain any credit product with them again. For anyone that has had luck with getting back in with NFCU (and even AMEX for that matter), how did you do it? It seems like my cash isn’t good enough for NFCU. Has there been a policy change that no longer allows paying off old debt to get back in with them? Thank you in advance!
  2. I haven’t logged on in a bit, but I’ve been gardening and bringing up my score after my BK discharge in 2019. I applied for a Lowe’s account and got a 7-10 day message with a reference number. I noticed that my credit was not pulled. When I called them, the overseas customer service rep transferred me back to a stateside fraud analyst. They made me go through some website to record myself for five seconds and the take pictures of my drivers license. After that, the verification website instructed me to call in with a passcode. I called back in and the woman put me on hold. While on hold, I got notification that my credit was pulled and then she comes back on the line and says “Congratulations” and provided me with my credit limit. I forgot the exact amount, but it has a weird limit ending that ended in 37. It was under 5k and was something like $4,537 or $4,837. I was thrown off by the last two number as I’m used to it being 00. 1) Has anyone gotten a seemingly random credit limit with Lowe’s (Synchrony)? 2) Has anyone gone through that verification process before? it’s been about 18 months since I applied for a credit card and this is my first store card (other than Kohl’s since I shop there for work clothes). Feeling out of the loop all of a sudden. Lol
  3. **Final update. I submitted the online form and supplied my bank statements and my account was unlocked today. There were no changes to my credit limit. I was able to redeem my cash back and look forward to my first year cash back bonus next month. I appreciate the feedback everyone provided and will most definitely not ever send a third party payment to a credit card company. I hope the date point helps someone in our community.
  4. Sorry for the delay in responding. I truly appreciate the replies. It was exactly 10k that was cut in the form of a cashiers check from my CU to Discover (moving forward I now know to put the money in my account first and send it though my own bank). My initial hesitation was supplying them information that they should and could asked before opening the account 1 year ago. Like I said, the cash back match is really all that I’m concerned about. I already have been approved for higher credit limits through my credit unions. While I would not want to lose available credit, my overall utilization is below 30%, even with my use of the Discover card (which was mostly (65%) for treatment for my cat with cancer - sadly he lost his fight, but I got to spend more time with him and he was pain free, so for that I am grateful). I do have the money in to pay the card off, but took out the loan because I’m an a bit concerned about COVID and having additional furloughs (work for the government). I will pay the loan in full in about a year, regardless, unless COVID causes me to get laid off (not likely in my specific field). So while I think this is a drastic invasion of privacy, I decided to fill out the form today. Apparently the IRS is backed up, so I’m also sending in three months of bank statements for them to review my account sooner. Ironically when I applied, I understand my income, but now with furlough days and limited OT, I’m right around the income I put down when I applied. Anyhow, thank you to all that responded. I will post a follow up once their “verification” is compete.
  5. I just wanted to give a heads up to the CB community. Exactly a year ago, I open a Discover Card 9.5 months out of Chapter 7 BK and was given a 12k limit at 0% for the first 14 months. I was surprised at being approved and at the limit. I was honest with my annual income and they did not ask for pay stubs or anything else. Fast forward to this month and in anticipation of my 0% promo ending (and the rate jumping to 16.9%), I applied for a a 10k personal loan from my credit union to refinance the 10k that I had charged on the card over the year. Now maybe it wasn’t the smartest to go over 30% utilization, I was taking advantage of the 0% and I wasn’t balance chased or anything like that. My credit union approved by at 7.9%, cut a check and mailed it directly to Discover this week. Low and behold I try to log in today and am locked out and call their “verifications” team. While they weren’t necessarily rude, the did treat me like I was a criminal and said that they can request a 4056-T anytime they want. I brought up that it’s interesting timing since my CU just sent them a check for refinancing my balance. They acted clueless and said that I have until 1/3/2021 to return the form or my account will be closed. I am expecting almost $500 from their cash back match promo in December so of course I’m an not doing anything until I get that money. Also, while my account is in “verifications” they WILL NOT allow me to have account access, or mail me a statement to pay my bill. So I have to call in and make the payment (free of charge - bless their little hearts) and call in to get the cash back match bonus redeemed. Once my account is closed, they will then restore my online access so I can continue to make any payments due. I don’t think I’m going to participate in their fishing expedition. My tax returns are none of their business. If the would have asked for them when I opened the account, I wouldn’t have provided them. Obviously my tax returns are going to reflect my itemized deductions and I am not going to voluntarily hand that information over to anyone. I think I’ll close the account myself on 1/2/2021. My BK will have been discharge for two years on 2/15/2021, so I’ll apply elsewhere for a credit card to replace it. I have other unsecured credit already established, so I have been successful in rebuilding me credit since discharge. While it was nice to be approved for a high limit so soon after BK discharge, it’s definitely not my highest limit at this time, so I’m ok with saying goodbye to Discover. TL;DR: Be cautious when making a large payment to Discover or you may be facing a FR.
  6. That’s a good point about my P.O. Box. I’ll have to think this through some for sure. Thanks for your insight.
  7. Was a 1k increase. My initial deposit was 1k and that was refunded. So I have a 2k unsecured credit card with them now.
  8. I just got a letter from them and they increased my limit. That was definitely unexpected after thinking this card wouldn’t graduate.
  9. I had joined them preciously by just opening a savings account. I believe it was a soft pull at opening of the savings account. i has read on here before that you could call in and apply for the secured card without a credit check and when I called in, the rep did confirm that since I was already a member, she didn’t need to pull credit. She sent me the docusign and I went to a shared CU branch to made my deposit into the savings account and they did the rest with getting the card printed and mailed to me.
  10. Yes. State Department FCU. A couple of data points: I applied over the phone in February, 2019 with no credit report pulled. The website was updated since then, but I didn’t recall the line about graduation. My interest rate remains the same 13.49% My credit report still shows secured, it it may update at the end of this month. I hope this helps someone trying to rebuild who doesn’t want to go (or perhaps cannot go to due to BK or charge off) some of the big banks who offer secured cards that graduate.
  11. I see. I haven’t thought about it like that. I do have a PO Box, but only use it for business mail. Would that work or would a UPS store with a physical address be better?
  12. I have not. I pulled paper reports to verify that all of my trade lines were reporting. I haven’t even tackled the BK. I was trying to read through the guide on how to get rid of it, but it seemed like the op had a new address and I don’t see myself moving from my current place until I’m called to meet my maker.
  13. I logged on to the app to pay my bill this month (second payment of the month actually) and noticed that my Secured Visa Platinum was now listed as Graduated Visa Platinum. I also noticed that my Share Savings account now has the entire balance showing available to me. I had never heard of this card unsecuring, so I called in and they confirmed that my card is showing as a regular Visa Platinum card on their end. So if anyone else had this card, you might want to see if you’ve been graduated. I never received a letter that I was graduating nor did any of my statements reflect this. Background: I filled for Chapter 7 in October, 2018 and received discharge in February, 2019. Two weeks later, I applied for a $500.00 share secured loan and a $1,000 share secured Visa. I paid the loan off fairly quickly (around 9 months) and would either pay the Visa in full each month or carried a small balance. My plan was to keep the Visa opened for two years and then close it at the 2 year mark. In June I was approved for a Target credit card with a $500 limit. I received two CLI...up to $700 in the Fall and it’s now at $1,000. In November I applied for a Kohls store card because I live near one and shop there all the time. I was approved with a $300 limit. I’m not eligible for a CLI until 6 months passes. I did include Kohl’s in my BK. In November I got “pre-selected” for that stanky Indigo card with a $300 limit. I never activated it, but it’s still reporting. There is no annual fee. I applied for and was approved for Discover with a 12k limit. They were also included in my BK. This card has no annual fee. I then was later approved for a Penfed Power Rewards VISA with a 15k limit. i purchase a new Toyota at the end of December and was approved with 0 down with Toyota Financial at 6.9% for 72 months but ended up going with a local credit union at 4.74% for 72 months. So my post was about the SDFCU card graduating, but I also wanted to let others know that there is life after BK. My Fico 9 is currently 652 (Penfed Score) My Fico 8 is currently 648 (Discover Score)
  14. Appreciate the insight. Lesson learned. Thank you!
  15. I am not sure if this is even possible to do, but can I cancel a credit card that I was approved for online so it won’t show up on my credit reports? I am in the process of rebuilding my credit. I filed for Chapter 7 BK last October and it was discharged in February, 2019. Obviously I had to include all of my creditors, so i figured I will be on the blacklist for every issuer out there that had a balance when I filed - Amex, BofA, Barclay, BBVA, Capital 1, Chase, Citi, Comenity, Discover, FNBO, NFCU, Synchrony, USAA and Wells Fargo. As for the other cards that had no balance, all of there were closed, except for my Firestone account that was opened in 2014 with a credit limit of $2,200. In February, After my discharge, I got a share secured loan through SDFCU ($500.00 loan amount - paid off now) and a Secured Credit Card with $1,000.00 (utilization is around 18% at last reporting - I try to keep it under 20% max). I also got a “Quick Loan” for $1,000.00 though DCU (paid off). At that time, I applied for both Cap1 Secured and Discover Secured and was denied for both. In July, Credit Karma recommended I apply for the Target card and I was approved for a $500.00 limit. I’ve used it and paid off each month, except on month that reported a balance of less that 20% utilization. I received an Auto CLI in October to $700.00. I also took out another “Quick Loan” in July though DCU for $1,000.00 that is paid off. I also got an Affirm 6 month financing deal through Walmart for an Apple Watch. It’s also paid off (was trying to get a positive trade line reporting. So as of today I have the following revolving accounts: Firestone (I used it for an oil change and paid off next month): $2,200.00 limit. SDFCU Secured: $1,000.00 Target: $700.00 This morning I decided to unfreeze my reports to check the preapproval links for the major credit cards. None of them said I was pre approved except for Discover. I applied and got the 5-7 day message and was instructed to call in. I did that and the representative said they had all the info they needed and that I would get something in the mail (another denial it appeared). I checked Carvana to see what rates I would qualify for if I decide to buy a car and it came back with a rate range of 3.9% - 8.6% with zero down. After my BK discharge it quoted me something like 16.9% with $200.00 down. That was positive. I also did the Creditcards.com preapproval and it gave me Indigo and Milestone. Indigo had an annual fee between “0” to “$99.00” per year. The Milestone was $35.00 a year. So I went forward with Indigo and it approved me with a “0” annual fee and a credit limit of $300.00. I then read that it was one of the accounts that CB listed as an account to NEVER get. Hindsight, right? I’m sure you know where I’m going with this. I didn’t realize this card was so bad and do not want it. The limit is lower than what Target started me at. This evening I decided to follow up on Discover on their application status and I was approved with a 12k limit. I was shocked as I was expecting a denial or possibly a counter for their secured card. They were also included in my BK as well. I’m not complained, just utterly shocked. They pulled Experian and my FICO 8 per USAA is 664. So is there anything I can do to refuse the Indigo card or am I stuck? The BK on my credit report is bad enough, but to have this card start reporting after reading about how awful it is seems like it would hurt me instead of help me. i know that this is First World Problem and I’m probably freaking out more than I should be, but I really want to start fresh after my BK.
  16. Hello, My BK was discharged in February, 2019. That same month I opened up a share secured loan and secured credit card from my credit union. In addition, I was also approved for a 1k loan through my credit union. I included my old vehicle in my BK as a drive through (drive and pay) and it is showing as a derogatory account with a zero balance. The car was subsequently bought back as a lemon law buyback and the loan was paid off (was financed through Chase). My fico scores (provided free to me through my various financial institutions are: Equifax 611 (DCU - Unsure which Fico scoring model) Equifax 671 (Penfed - Fico 9) Transunion 702 (SDFCU - Maybe be FAKO as this is same as Credit Karma) I attempted to get a pre-approval through Carvana and they use Experian soft pull and they gave me an interest rate of 14.02%. I attempted to use the Capital One pre-qualifier and they did not approve me (I included Cap 1 CC's during BK). I have the 3 paid and closed auto loans reporting - Ford Motor Credit (2 year lease - perfect payment history) Chrysler Captial (1 month - refinanced) Penfed CU ( 16 months - perfect payment history - sold to a family member for their child to take to college) There is also the Chase Auto account that is showing as closed/derogatory with a zero balance from the BK. I guess my question is how soon will I be able to be approved for a decent interest rate (under 5%)? Does Cap1 Auto normally blacklist if they took a loss on credit cards? Do you think I have any chance with Chase since they were paid off in full? What about with AHF or Toyota Motors Finance? I am interested in either a 2020 Outback Touring (Chase) purchase, CRV (American Honda Finance) lease or RAV4 (Toyota Motors Finance) lease. Thank you in advance for all of your of your help and advice.
  17. Can you give some insight into how you were able to place a security freeze? I have been searching their website and could not figure it out. I also called the number and there was no option for it. Thank you.
  18. Ding - I got assistance on this board regarding an attorney w I had the same thing happen to me regarding Dynamic Recovery. There is a law firm that I was referred to from another member of this board who agreed to help me. They took on my case and a few months later we reached a settlement. PM me if you are interested in their info. BTW, there was no cost to me..they likely negotiated their fees in the settlement offer.
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