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About Daphne954

  • Birthday October 15
  1. Amex sent an "exclusive invitation" to apply for the Biz Plat. They're offering 150000 MR points when you spend $20000 in your first 3 months. Keep an eye out for your invite or give them a call.
  2. Has anyone experienced success with a PC for a barclays? I'm trying to PC my Apple Rewards to an Arrival+
  3. That's interesting. I might look into that myself. That's interesting. I might look into that myself. Hmmmm that's is very interesting. I'll be hunting for it.
  4. Thanks for that info. Spoke with the bank manager at Solidarity, who ran my name and social to make sure no new application were ran, and nothing came in on her end. She even checked with the IT department and nothing came up either. :shrug: Either way, I filed paper work and she'll be getting them to call the bureaus to remove the report.
  5. My overall DTI is a little under 30%, which is a great thing. So what I did was paid off the CareCredit, Discover, and Barclays with the PLOC. The payments I was making for those 3 cards will be directed to the Flagship to bring it down and pay it off while I pay the lower interest PLOC down. I called Chase and explained how the Slate wouldn't be beneficial since the limit was so low, and requested a PC, and got the only offer available was the Freedom Unlimited, (which was weird since I was pre approved for the Slate and Freedom when I applied, but I didn't complain since I have the Discover IT), so I PC'd to the Freedom Unlimited. I called Barclays three times to PC the Apple Rewards card to NO AVAIL!!!! Apparently, "co-branded cards have to stay with the company." I'll hold on to it now since I'll be needing an iPhone upgrade soon, but I will be coming for them with a vengeance after that. Overall, problem solved. Hopefully if anyone else runs into an issue similar this may give them a plan.
  6. I'm in the same space. I app'd for a slate and got approved, and wanted to go for the ink plus. When I submitted my app, I got the 7-10 days message, then received and email saying 30 days. Then got a denial letter in the mail, but the status line still says my application is still under review even after receiving the letter. Should I continue waiting or just got for the recon?
  7. Last companies I've applied for are chase, navy, and capital one. All those inquiries popped up already. Ive never heard of Kokomo or Solidarity.
  8. Just got a noticed from MyFICO about a new inquiry from Kokomo Post Office Credit Union. WTH?!! Never heard of them? Anybody else seen this? A Google search turned up a directory of credit unions but no page directly.
  9. From what you've listed, I don't believe what I was going to suggest, is possible. I'm not familiar, with the way LOCs work. Is that something you can use, to consolidate some of your debt? Interest rate? Maybe someone else can chime in on this. You really need to work on knocking out most of your debt. You should not go over 49% UT, on a single card. If I think of something to help, I will post... Good Luck. I've been considering using my LOC for my high interest cards that I couldn't get a rate decrease on. My LOC rate is lower than some of those cards. I'm still planning it all out, but your help has been great.
  10. That's why you're the real MVP. Keep our brains going.
  11. I've arranged my TLs from oldest to newest with current balances. CareCredit - $381/$1800 NFCU Flagship - $5381/$8500 (requested CLI a few days ago; denied) NFCU LOC - $0/ $15000 Discover IT - $854/$1300 (requested CLI a few days ago; denied; opened in June 2015) Barclays Apple Rewards - $2968/$5000 (12 mos. 0% ending in October) Capital One Plat - $0/$1000 (app'd a few days a go) Chase Slate - $0/$500 (app'd a few days ago)
  12. Last thing I want is another HP. Yes. It'll be my first Chase card. My wallet consists of: NFCU Flagship - $8500 NFCU LOC - $15000 Barclays Apple Rewards - $5000 Discover IT - $1300 Capital One Plat - $1000 CareCredit - $1800
  13. So of course reading through this forum, I've seen stories of whickety-whack Slate approvals and I'm a part of that bunch. Needed a BT card to move some money around and app'd for the Slate after doing the online prequal and got a $500 SL. I just got the card today, and I'm thinking if I should do one of the few scenarios. 1. Request a CLI for more 2. Request a PC to the CSP (my dream card) 3. Feed funds through the card, pay it off, then request CLI 4. Feed funds through the card, pay it off, then request PC to CSP 5. BT, pay it off, let it age, then request PC. So many scenarios. What to do? What to do? Lol
  14. I did DV Credence in April 2014, and they sent me a bill showing a balance with my name on it. I haven't DVd Santander yet. I went to re-review my report when I signed up with myFICO, and now all the bureaus are showing coordinating DOFD. The first DOFD on the TL is March 2012. Santander has an OC TL showing closed with a balance of 10682, but NCB has a balance of 9488. Other than that, I don't see anything else wrong with this TL.
  15. I've made great progress getting some TLs off my reports. I'm in the process of starting the homebuying process, and Santander, NCB Management, and Credence Resource Management are the only things standing in my way. I've come to a stand still with this. Situation 1: This is a collection account sold by AT&T Wireless. I was on a cellular plan with someone who bailed, but the account was never in my name, the contract was not produced with my name of social security number. This seems a little tricky, and I'm not sure how to go about this one. (Advice on how to dispute Credence Resource Management) Situation 2: Santander sold my account to NCB Management, and I'm trying to see how to swing my way on getting it removed. I'm leaning more towards that PFD route, but I'm wondering if I should try some other tactics first. My DOFD seems to be different across the bureaus. One says May 2012, and other say June 2013. (Advice on how to start the dispute process on this one) Any information will be helpful.

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