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shifter

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About shifter

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    Bump Influence Scroll Keeper V <3
  • Birthday July 27

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  1. shifter
    The specifics are in that thread, but usually calling is a good place to start. Or online. Not sure what the recommendation is anymore really.
  2.    hdporter reacted to a post in a topic: Asking for early delete (CRA) + re-aging
  3.    hegemony reacted to a post in a topic: Asking for early delete (CRA) + re-aging
  4. shifter
    ^
  5. shifter
    Dispute as obsolete with TU now, and EQ and EX at the end of the year. There's a good chance you can ring in the New Year with clean reports!
  6.    PotO reacted to a post in a topic: Can you still use AAH for PSECU membership?
  7.    pacemaker67 reacted to a post in a topic: Can you still use AAH for PSECU membership?
  8. shifter
    ^
  9. shifter
    Yeah the backdoor was closed several years ago and then they even started purging people who used it. Another CB effect.
  10.    rabnpmb reacted to a post in a topic: PRA-is this validation??
  11.    PotO reacted to a post in a topic: PRA-is this validation??
  12. shifter
    Myfico.com gives you many different score versions for one price. It's a steep price but it's the quick and dirty method to get a benchmark asap.
  13. shifter
    Don't mail, call and order over the phone.
  14. shifter
    They don't have to provide all of that no matter how much you want to demand it. The requirements for validation are extremely low. Focus your attention on a different method.
  15.    pacemaker67 reacted to a post in a topic: How much is one 30 day late affecting me
  16. shifter
    The difference is between profiles with 5 credit cards, 2-4 or 1. You need at least 5 CCs for max FICO boost, but 2 is a boost over 1.
  17.    hegemony reacted to a post in a topic: The Master Entitlement Thread
  18.    gerray reacted to a post in a topic: How much is one 30 day late affecting me
  19. shifter
    05 is a long time ago. Most people find their way off the BL after 10 years. So at 14+ years it would not be surprising if you were off.
  20. shifter
    At 1 year it's affecting you much less than before. But still 50-70+ points depending on your profile. You won't be able to hit 740 for another 3+ years. You should work on a GW or other method to get that 30DL removed.
  21. shifter
    Even if the DOLA was Nov '12, that means it should drop off in the next month or so. But you need to stop working from online reports and get your paper copies and send dispute letters.
  22. shifter
    Nope, she's here. Mom always felt she was just misunderstood. Personally I just don't have much patience for the woe is me mentality.
  23. shifter
    the boys came to play these days! my high pre-BK was only BofA 60k CSP 57k UNFCU 50k
  24. shifter
    NFCU 50k Citi DC 14.7k Citi Costco 12k

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