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Everything posted by Brandon1008

  1. My open trade-lines as of MAR 2019: AMEX Everyday $ 26,500 NFCU $Rewards $ 25,000 SYNCB/Lowes $ 17,000 ALLIANT Visa $ 15,000 BOA Merrill+ $ 12,000 CHASE Freedom $ 12,000 BARCLAY Arrival $ 8,550 BARCLAY AAviator $ 8,000 CAP1 Savor $ 10,000 CAP1 QS Rewards $ 8,000 CITI MileUp $ 5,000 CITI Double Cash $ 4,100 Total Credit: $ 151,150.00
  2. Bringing back the dead! Just wanted to say I got BOTH the cards for the SUBs in the past year... I downgraded Arrival+ to the Arrival at AF time.... and Ill be combining limits with the AAdvanatge soon. I love collecting/using travel bonuses! Here's my current lineup. I downgrade and combine a lot.... so most of these cards started as top tier prime cards. AMEX Everyday $ 26,500 NFCU $Rewards $ 25,000 NFCU CLOC $ 10,000 ALLIANT Visa $ 15,000 BOA Merrill+ $ 12,000 SYNCB/Lowes $ 12,000 BARC
  3. Yikes! I just checked my FICO 08's from: Citi, BOA, and AMEX Seems Ive lost 20+ points in the past year!
  4. I also discovered a 30-day late on my Lowes/SYNCH card..... Any trick to getting that removed? It was on autopay mistake.... $0 balance on the card now.
  5. Ok, I got all 3 reports.... my CO was removed from TU, but its still on EX & EQ. DOFD is 2/2013 according to there reports.
  6. Ok, let me see about getting my real reports and checking the DOFD. Its for TCM Bank. Thanks!
  7. Yes. I tried with TransUnion and got...... FOCUS MGMTReported on Nov 13, 2017 $206 Item Results Result: Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity.
  8. I had a 6k charge off when I started this thread, but had to pay off "settled for less" to buy my 1st home. Last activity is 1/2016, so idk if that started the time of removal from my reports over? Also, directv snuck in a $200.00 collection for some unknown reason... when I got wind of it I paid them directly but it still reported under the collection agency? I haven't had them in years.... I didn't want to argue and just paid the amount. Other than that, no other negatives.
  9. My open trade-lines as of AUG 2018: AMEX Everyday - $ 26,500 ALLIANT Visa - $15,000 BOA Merrill + Visa - $12,000 BARCLAY Ring- $8,500 NFCU cashRewards - $25,000 NFCU CLOC - $10,000 SYNCB/Lowes - $12,000 CAP1 QS Rewards - $8,000 CHASE Freedom - $7,000 CHASE Amazon - $5,000 CITI TY Premier - $4,000 CITI AAdvantage - $5,000 Total Credit: $138,000.00 My scores haven't really changed in a year?
  10. hmmm.... I know I havent been here in a while...
  11. Ok, PRG is up for AF... 3rd year. 1st was Free, 2nd they gave me a nice "stay" package. What are my options? downgrade, close...? BlueCash Preferred is due, dont need it. Should I downgrade? or Close? Then I have one of my oldest cards, Everyday no AF. With these 3 cards, 2 due for AF (which I never pay)... what should I do? Thanks!
  12. uhhhm.... is that something like $12k in AA travel??
  13. I just got the Citi AA card w/ 60k offer then sent a secure message asking for 75k which they accepted. They credited me the 15k difference immediately, but I have to make $3k in purchases within 3 mos. to get the original 60k. Best SUB out now if you fly AA.
  14. I would not be happy about that.... Be sure to use it...
  15. Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. GREAT!!!!
  16. Megan: Hello! Thank you for chatting with Navy Federal. My name is Megan. How may I help you today? Brandon: I was told there was a signup bonus for the new AMEx Brandon: however, i dont see anything listed. Brandon: can you confirm? Megan: There are no current sign up bonuses. Where did you see this?
  17. I have some to the conclusion there is no SUB... idk how steelers saw that?
  18. It seems many are not addressing the OPs entire question... There are literally tons of 0% BT cards.... BUT... he is looking for 0% and 0% BT FEES. Most are 3%, some 2% and some even 5%. BT FEEs.... that tis the question.
  19. I close multiple cards with AF's every year and scores only rise.... ....but I have over $100k in limits and my utilization is around 2% just bc i PIF on due date... could ready 0% if i wanted.
  20. steelers1..... where are you seeing this 25k SUB??
  21. ahhh the golden pry bar... i wouldnt tie up 100k, but id def do $50k and PIF some of that other over due crap. great problem to have! im jelly.
  22. NFCU has that special every Labor Day on atleast the cashRewards card. 0% and $0 fees. Chase Slate also...
  23. Im not seeing the SUB listed on that link Konrad?
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