Dalton23

Just app'd lowes, $1,500

Yea, that was with all my degros still showing...and my highest limit card wasnt reporting yet. I didn't wanna miss out on the bonus miles offer, otherwise I wouldnt have even attempted to app it a month ago.

4 within the last 6 months, 9 inq in the last year I've read contradicting information concerning if barclays will let you app more then one card with in a 90 day period... I was also considering app'in lowes seeing as they seem to be a TU puller

TU score is 715 Most of the INQ is when I was car shopping last summer, I thought they only count these as one?

So my TU is finally clean, I was approved for the Barclays US airways card last month $1k cl (when reports showed 2 collections and 3 judgments). I'd like to app for another barclays card but I'm not sure if I should wait or not. Do they want to you wait 90 days after app'n a new card. Also...after B* apocalypse all of my INQs are now on my TU report, 17 of them So should I wait or app for a new card? IF so can you recommend a card, I was leaning towards the rewards card. Another question; if I app a new card...would they be able to use that pull to consider a cli on my US airways card? Thanks

You already CHECKED with the Court! It is NOT recorded It should NOT be reported as a judgment of record ( that's what RECORDED means) File a complaint with the CFPB against any CRA that has not deleted. Make sure that you cite all the disputes you have done, and that you DID check with the Court and there is NO RECORDED JUDGMENT Just filed a complaint with the CFPB on EQ. How long does it usually take for a response?

Update: Received EQ dispute results in the mail today. "If you have additional questions regarding the investigated items, please contact the source of that information directly". They never gave me the method of verification... "This item has been updated to report satisfied/released. If you have additional questions about this item please contact: (Gives me the Courts address). I was under the impression courts did not report to CRAs?

Thanks for the reply WHYCHAT! I think I may have messed it up. 1. I didn't opt out...didn't realize that was neccessary (although I just recently opt'd out of LexisNexis) 2. I didn't handwrite the letters, I used a purple font These were default judgments, not sure if that makes a difference. Anyhow, I checked online at my courts website, could find no record of any judgements against me (I live a ways away from the court house, so I was unable to go there directly). I was able to delete my old addresses with EQ and TU, EX wouldn't let me. There is no need to go to the Courthouse in almost ALL States, go to Google, type in the name of your County, State RECORDED INSTRUMENTS . This will get you to the site where you can look up deeds and mortgages AND RECORDED JUDGMENTS.If it isn't there then you need to file a complaint with the CFPB. LexisNexis is NOT the supplier of the data to the CRAs so opting out of them has nothing to do with it. Each CRA has their own reporting service for judgments and BKs and most of them are too lazy to wait for a judgment lien to be actually recorded before reporting it -- they just go by the case files. Checked the backdoor... EQ: Updated them to Satisfied EX: Show's they are in dispute TU: Won't let me log in through the BD Really wish I could redo this. Should have waited for LexisNexis to process my opt out. Will I be able to re dispute this? Also, if there is a recorded judgement is there anything else I can do? That's exactly what I did whychat, found no record of any Judgements. Update: TU removed all judgments...55 point increase on my Fico! Lets hope EX follow suit and I'll file a complaint on EQ

Thanks for the reply WHYCHAT! I think I may have messed it up. 1. I didn't opt out...didn't realize that was neccessary (although I just recently opt'd out of LexisNexis) 2. I didn't handwrite the letters, I used a purple font These were default judgments, not sure if that makes a difference. Anyhow, I checked online at my courts website, could find no record of any judgements against me (I live a ways away from the court house, so I was unable to go there directly). I was able to delete my old addresses with EQ and TU, EX wouldn't let me. Checked the backdoor... EQ: Updated them to Satisfied EX: Show's they are in dispute TU: Won't let me log in through the BD Really wish I could redo this. Should have waited for LexisNexis to process my opt out. Will I be able to re dispute this? Also, if there is a recorded judgement is there anything else I can do?

I agree. File a complaint against EQ for never giving you an explanation as to how this was "satisfied". Let them know it's not yours. http://www.consumerfinance.gov/ (Same thing had happened with my uncle. "Satisfied" then we filed a complaint and they did not go further with the fight. Deleted about a month later.) I'm gonna give it the full 30 days, but if I don't recieve a MOV...I'll def be filing a complaint I had no idea Whychat was still around? Maybe I'll shoot him a PM

When you guys opt'ed out online did you receive an email? When did they let you know if you were opt'ed out or not?

Like I said...try ur luck with the pre selectors. Update us if you get any hits

Yea, I guess I'll just give it time and see what happens. It was just strange to me that EQ updated them all to satisfied (checked disputes online and it said they were completed..)

Yes, I followed the entire guide. Deleted all old addresses associated with the judgements (besides EX). Sent the letter CM to each of the three cra's...tracking show's they all received it on April 5th. No response from any of the cra's yet...only thing so far is EQ updating the judgments to satisfied. Why only 15 days? I never realized MOV needed to be separate from disputes? And I sent out for my LN report the other day, today I applied to be opted out (wish I would have did this before I disputed).

Yea, I still havent heard anything from TU or EX, checked the backdoors and nothing points to an investigation. EQ I feel somehow just made an automated decision and I highly doubt I'll get any kind of letter telling me how/who verified it....hoping I can use this to get them to delete it. Any advice on how to handle a CRA that doesn't respond to a demand for method of verification? Sure wish whychat was still around :/

bump

3 cards would be optimal to increase your score. Check out the pre selector links in the sticky...Try for Chase/BOA (I was able to get chase freedom with about the same as your scores)...also use the creditpulls link. Good luck

Has anyone attempted to opt out without uploading documentation? I'd like to opt out, but I'm unsure if I could provide any proof of identity theft? I am a member of Chase, I know they had a data breach...but I never received any kind of documentation confirming I was effected...

Yes in whychat's letter I asked for method of verification. "If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies."

Hey everyone, was hoping I could get some input. Few weeks ago I sent out whychats judgement removal for 3 default judgments I have. I've heard nothing yet from TU or EX. But got an update today from myFico saying they have been updated on EQ. I checked the status on EQ and they were not removed...instead they were all changed to "satisfied". This makes no sense to me, seeing as they were never satisfied? Can anyone with experience on whychats method offer me some guidance as to what my next move should be? Thanks! (also a huge ty goes out to ICANHASMUNY for helping me to remove two collections, the letter he has really works if you can pay the OC)

Seangar, the lowes card is an exception to the rule. This card is to help with Utilization if given a high limit like 15K,18K, and up. Hope that answer your question. Ahhh thanks Teflon, so it's just used for utilization purposes...and doesn't help with higher limit approvals. Makes sense!

Congrats on the cli. I have a question though. From reading the boards it seems that most people on here say not to bother with store cards, yet I always see people app'ing lowes? So why is that? Does lowes high CLs help with getting higher limits on real cards? (higher limits beget higher limits?)

agree with Sidewinder A year ago I made plenty of mistakes in my rebuilding journey. One of them was credit one. Do yourself a favor and find a good secured cc. But if you really want a low limit unsecured try cap1's credit steps program.

I don't know about EQ, but I can share my recon experience. I reconned my limit when I got the card, and was denied. Then 2 1/2 months and 2 statement cuts later, I hit the CLI button and was denied again -- but reconned that, asking for 3x credit limit and got 2x ($5k -> $10k). That was 2 weeks ago. I was just on the site for another reason and noticed my CLI button now says "Our records indicate that you have recently requested a credit line increase. Your request cannot be completed online at this time. We apologize for any inconvenience." So they have some kind of minimum time they like you to wait for subsequent CLIs, but I don't know what it is yet. In any case, I would go ahead and recon the initial limit. They didn't pull again when I did that. Thanks for the info. I was denied on my recon attempt, the rep told me they wanted me to establish good history with them before offering me a cli :/

Congratulations! On 03/23/2015 you were approved for the US Airways Premier World MasterCard with a Credit Line of $1,000.00 App'd last week, got the 7-10 day message. They pulled TU (fico 657)...Woke up to this email Pretty low cl, but I'm happy! 50k miles helllz ya (anyone have success recon'in a higher limit? Would they pull EQ if I requested seeing as my score is a bit higher on that report?)