shifter

It's just a few months before my BK is due to fall off, but TU doesn't offer an obsolete dispute option. So I sent a dispute letter in Nov and no response. Sent another one earlier this month and no response again, but just did my monthly 3 bureau pull and it's gone! So TU is completely clean! Just have another couple of months until I can dispute as obsolete with EX...

779 (+14) Wife: 803 (-8)

Another year has gone by, so I submitted a CLI request for $100k. Declined rather quickly for Seems like it takes an act of God to get above $50k with them, as expected.

Disputing as IIB will just get them updated to IIB. No advantage there and never a good idea to admit the BK to them. You can try disputing various technicalities that are incorrect (i.e. Jack Attack method), and they will probably just update them to IIB anyway.

765 (-12) Wife: 811 (+9)

I've always thought it was super sleezy that they also don't refund transaction fees when you refund a transaction even though the interchange fees they pay are refunded. They used the same argument there of "value add" of the service they provide. I've had merchants charge me automatically and then when I complain that I wanted to use a new card for bonus purposes, they refuse to refund and reprocess because then they have to eat the fee twice.

777 (+6) Wife: 802 (+12)

This time I got a different message. Guess I am SOL with $97.5k in exposure. Maybe they are like BOA that will never go over $99.5k?

DC: $48k -> decline Costco: $49.5k -> decline Wife DC: $46.5k -> $51.5k Wife Simplicity: decline again It appears the issue with my cards is not the individual limit at $50k (since my wife got $51.5k), but total credit of $97.5k I guess I need to call them and go through a different channel to get a CLI on my cards. Will try that this week.

Tried for a Chase card and was declined. Letter came today and it was due to the BL. However, they pulled a hard on EX. My notes indicate they didn't used to pull a hard if declined for BL, but seems times have changed.

Goodwill letter.

Wife was approved for BofA with clean EX report after IIB'd for six figures in 2019.

Decided to take that shiny new EX score for a spin and she apped the BofA Premium Rewards. Instant approval for $24k! 😁 Super shocked since she IIB'd them for six figures in 2019. 🤐

Spoke too soon! Got the dispute results back today and it's gone. Her EX is completely clean - 823 FICO8!