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CTAmigo

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    Connecticut

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  1. CTAmigo

    Equifax

    I have spent hours with the CSRs from overseas and it I am still unable to login to dispute information. Everytime I ask for a supervisor one is not made available saying they are always busy. I have asked to be transferred to a US base CSR and they refuse to do it telling me they are US based and by their accents and everyone in the background I can tell it's false. I am sure they have to be breaking some law as they are providing information about me and not allowing me to review information and I can see some of its false
  2. CTAmigo

    Equifax

    Has anyone had issues calling equifax? They have been the worst bureau to deal with. Is there a way to speak to someone in the USA?
  3. Inquiries from Car Dealerships, anyway to get them off?
  4. I have not called. I know I will begin traveling more frequently without her and lounge access is a big plus traveling overseas. I have not called and made an inquiry, but I plan to pay the smaller balance in the next 30 days and the larger one by summers end.
  5. My wife was has an AmEx Platinum and i wanted to be added as an authorized user but I currently owe them ~$1400 and ~$4000 on two previous cards. I saw that it says certain folks cannot be added as authorized users (and i fall in that category) and I was wondering if I should try and settle balances (received offers between 30-60% of balanced) or just PIF and take it from there. I ran into a rough patch, but finally getting past issues back in order. Sent from my iPhone using Tapatalk
  6. I just looked at my credit report and have some offers on the table. I have 2 AmExs that can be settled for about 40% which is about $2230. Two Navy Fed cards that can be settled for about $8000. I haven't reached out to CapOne to see what I could potentially settle for either. I had a motorcycle that was charged off and the balance is $10255. I never returned the bike, but I was going to see if that could be settled because either way I was looking at a pretty large writeoff because of this. Sigh
  7. It's hard to think of paying $20k when they will let me go for $7k and trying to get ahead Sent from my iPhone using Tapatalk
  8. My credit score was in the gutter several years ago and I worked to rebuild about 4 years ago. I went from 400's up to close to 700. Life seemed to be going pretty well and I was excited for my new beginnings. I got engaged and put the ring on the credit card to reap benefit of points and such and I had stable self employment income and I was working as well. In the blink of an eye, I lost $60k an income due to companies I did work for consolidating and everything suffered. I ended up living off cards for a little and then I had several cards charged off. Thankfully my wife still wanted t
  9. I figured could be the problem and I just said I'll check in a few days Sent from my iPhone using Tapatalk
  10. Decided to check my mailbox today and had a prescreened offer from AmEx. I wanted their card back since they mysteriously closed my account several years ago, and with the offer in hand I temporarily unfroze my EX and app'd for the Green Card! Bam! I was approved and I was doing my happy dance! I called to make sure to get D* and although they said they put in request for it, online still shows this year. I said the "H" with it, and i'll wait till the card arrived. I then remembered I could app for two cards in one day with same pull so I did so and what do you know I got a revolver too! I
  11. You may still be bound to give a notice which could have been stipulated in the application or a previous lease Sent from my iPhone using Tapatalk
  12. I can't wait to hit 700! Started at 467 a year ago... Sent from my iPhone using Tapatalk
  13. I just saw this offer for $675 -- you may wanna rethink your supplier relationship. Just got an email... Lowering cost to $625! Lol Sent from my iPhone using Tapatalk
  14. I just achieved B* on EX... I also have a secret to get approved for an AmEx card... Initial Starting limit of $500... Give me $750 and I'll give you the secrets! Guaranteed Approval or your money back! Sent from my iPhone using Tapatalk
  15. Most of you probably guessed correctly! NFCU. I had a $1k secured card with them. I open my app today and see an extra thousand in my savings and see that it no longer says secured. And it's only been a year. I quickly pulled out my laptop and asked for a CLI of $25k and was countered with $10k. So in less than 2 months, I now have two $10k cards with them. I'm on my way of reaching $100k in limits which is my goal for next year. I still have somethings I need to clean up on report and I know i'll have issues with other prime issuers, but this has been a tremendous year for me. I increased
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