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morehelp

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  1. morehelp

    Master 2018 Approvals and CLIs Thread

    Discover IT-$8,000 NFCU Flagship-$7500 I've opened quite a few new cards in the last couple of years. I was kind of surprised at the lower NFCU limit and was wondering if it's because I already have $49k limits between my NFCU sig cash rewards and AMEX plus $15k LOC and $17k PLOC?
  2. morehelp

    The Master obsolete delete time frame thread

    Nice work! I see you're also not trying EQ for early deletion....:)
  3. morehelp

    The Master obsolete delete time frame thread

    That's great! I called EX this morning and 5 were deleted--4 charge-offs and one paid collection. All were scheduled for removal by 12/2018. That leaves one charge-off on Experian. I could kick myself for not picking up the phone before now!!! Yesterday I disputed one account online with TU and it's gone. There's one left that I can get rid of next month and that's it for TU. I'm really hesitant to dispute with EQ as most of my charge-offs aren't updating and all should be gone by Feb/March. I started with 10 charged-off accounts and 10 collections (some medical) in 2014. "Only" one resulted in a judgment -not showing on my reports but the related paid collection has now been removed from TU and EX. I still have strings of late pays on several accounts which I paid in full either by payment plan or regular payments. Some of these are open while others are closed. All report "paid as agreed" with most of the lates coming from 2012.
  4. morehelp

    The Master obsolete delete time frame thread

    Good news! Just spoke to a rep at EX who was so helpful and friendly. He went through my CR with me and deleted 2 charge-offs due to fall off in October and said to call back at the end of next week and 3 more could be deleted. Interestingly enough, my husband recently disputed one of these, the only joint account we had, it was verified and updated on both of our reports. Luckily it was one that was just deleted! I've never had much luck with EX--everything usually comes back verified, updated ...pretty much everything but deleted, so this was a win for me
  5. morehelp

    Getting Nelnet to remove after a discharge??

    FWIW- They removed my husband's tradeline within 30 days of receiving the discharge. Actually, the entire process was very efficient. Filed for T&P 10//2017, approved and sent to the DOE 11/2017, approved the same month and tradeline removed 12/2017. They removed 2 parent plus loans and the consolidation loan but not loans which were consolidated.
  6. NFCU Amex - 25k NFCU Cash Rewards - 24K USBank - 11k
  7. morehelp

    Master 2018 Approvals and CLIs Thread

    Congrats!
  8. morehelp

    need someone to tell me this is ok

    I think when you're collecting SS you're limited on how much you can work/earn until full retirement age.
  9. morehelp

    Score update

    Nice job!
  10. morehelp

    Master 2018 Approvals and CLIs Thread

    Lowe's store card $300-$5000. I only asked for $5k--I wonder if they would have given me more...
  11. morehelp

    US Bank

    Weterville
  12. morehelp

    NFCU

    Westerville
  13. morehelp

    Master 2018 Approvals and CLIs Thread

    Me too. I think the low APR fetish is from several years of sub-prime everything!
  14. morehelp

    Master 2018 Approvals and CLIs Thread

    IDK what NFCU sees that the other banks don't but I was just approved for the co-branded AMEX, 25k at 11.15. This makes a total of 64K with them (24K GoRewards and 15K LOC). Was feeling pretty good so I apped US BANK (have been a customer almost 14 years) and they gave me a Visa sig with CL of 11k but the rate is 15.74 plus prime (ouch). Ironically, in December they wouldn't increase the limit on my platinum card that I've had since 2008. My TU report is much cleaner now than it was at that time. After my new approval I called UW and requested an increase on my current card using the same pull. They will let me know tomorrow??
  15. morehelp

    The Master obsolete delete time frame thread

    That's great! What was the expected removal date on your EX report? I have a couple that look like they're going to be removed 3 months early and then one is 2 months early ?

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