shifter

CLI day again and more of the same. DC: $48k -> decline Costco: $49.5k -> decline Wife DC: $51.5k -> $56.5k Wife Simplicity: decline again

3 months later with Disco and they are feeling (mostly) generous today! Chrome 13.2k -> 15.2k (finally used the card for the first time in a year) it 38k -> 38.5k (I'm on the $500 track now...) Wife it 34.5k -> 37.5k

Woah, what the...? Just popped in for a quick visit and all these people I haven't seen post in years are back in action. Is it 2017 again?

And now it's really complete. TU was the only CRA where my wife's BK showed up. But they had it listed as Dismissed and due to fall off in 7 years. We didn't touch it for fear they would fix it and it would stick for 10 years like mine. Waited out the full 7 years, with the hope that it would fall off on its own - this month. I checked last week and it was still there, but logged in today and it's gone. It's been a long journey, but we're now both completely clean.

And it's complete. Just logged in to EX today to dispute my last BK entry as obsolete and saw this.

People report the Amex BL at around 10 years up to infinity. I'm still BL at about 9 years post BK. Will keep trying each year. I did get back in with them after 6 years after a CO (before I IIB'd those cards).

771 (-8) Wife 811 (+8)

Been several months since I hit the luv button on Disco. Chrome 13.2k -> denied it 37.5k -> 38k ($500 increase, yay! lol) Wife it 34.5k -> denied As usual. No spend = no luv.

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)