shifter

TU has been frozen for ages. They are using their monthly AR pull for the review.

770 (-4) Wife: 791 (+22)

Waited 6 months after this decline to try again with NFCU. Requested $25k and got the same message "you have reached the maximum unsecured credit limit", but at least they increased it to $7500. So, making progress.

Tried again today and same decline since they pulled TU again. I don't know how this card got "stuck" on the TU track, but it seems it's going to be a roadblock to further CLIs.

774 (+7) Wife 769 (-12)

Porter is talking about rebucketing. While that's real and certainly possible, you will want to make sure something else didn't change.

Sounds like a split file. You need to order a paper copy of your report directly from EQ.

You should be excited they want to see your transcripts. That should pave the way to higher CLIs in the future. And as far as them seeing your itemized deductions, I'm not sure why that matters, but either way that's not how transcripts work. Have you seen an IRS transcript? It's not a copy of your tax returns. Beggars can't be choosers and 2 years post BK is not the time to close your best card out of spite. FYI, you would have been better served by having the CU send you the check and you pay off the balance from your regular account.

Running your card through your merchant account is a very expensive way to accomplish nothing other than getting your merchant account shut down. You need at least 5 major credit cards for max FICO scoring. Also getting to 800 is pretty much meaningless. You can get everything you want at 760-780.

No this was back in 2008 during my first rebuild. We're both on the Amex BL now for the long haul.

Don't believe I ever got the card. It was pretty much immediate shutdown.

FYI many years ago when I was on the blacklist the first time, my wife added me as an AU and a week later they reviewed her account and closed it.

Pulled down my CCT to review. Citi hasn't updated my DC account since August when it was maxed out at 91% util even though it's been much lower the past 3 months. They updated my Costco Visa. Thanks, Citi!

Yes. The law of unintended consequences when people do ill advised things.

Are you looking at your paper credit reports from each of the major credit bureaus?