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WambleAgley

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  1. website = myfico.com I just checked credit karma. My monthly history for the student loan in question shows the last late as July 2013, reported as 120 days on TU and 180 on EQ. Actually I get my yearly full 3B report from myfico next week, so I'll know if anything crazy has happened...I've really gotten attached to these scores the last couple months though so I hope they are not a bug. Anyway pretending everything in my first post is 100% accurate, any thoughts on the application?
  2. It's from Fico 3B monitoring and my most recent EX alert was yesterday. Haven't seen my full report in a few months, but based on what little you can tell from credit.com it looks like the collection and lates are still there. I got a 20 point EX jump a week ago and my best guess was the SL lates hitting 2 years. The collection is not on EQ, which is at 755. TU also has the collection and is at 740.
  3. I've been thinking about my travel points strategy (I just have cash back cards right now, except for Citi AA) and my first choice would be to get into the Chase ecosystem for URs. I'm mainly interested in the Ink Plus, mostly for GC purchase. Just wondering if I have any chance. The facts: I had two Chase C/Os in 2008 totaling about $5k. They are off my report now. My only Chase application since then was March of this year. They pulled Experian which was at 690. I was eventually denied due to my "previous relationship with Chase". I've opened 7 CC accounts in the past 2 years (6 in the past year & 2 in the past 6 months). I have 1 paid collection that's a few years old, and some 180 day lates (2 years old) on one of my bazillion student loan accounts. I'd be applying as a sole proprietorship for a new business, with my SSN. AAOA is about 6 years, heavily anchored by student loans. EX Fico is now 753. What do you think? I think I am off the blacklist, since Chase pulled my score before. However, I am wondering if I am still tagged "grey" to Chase such that any application will automatically go to manual review. At which point, I feel like the combination of past history & >4 new accounts & dubious business is probably not a winning one. BUT, I'm thinking I may as well see now, as I don't think my chances will improve much more in the next year or two either (since if I can't do URs I will start apping TYP or MR cards.)
  4. A second T&C not available to customers, but only customer service reps, is sneaky and wrong. Yeah those are the T&C from both American's and Citi's splash pages for the application, and those are what I sent in with my complaint, as I met those conditions. I got the card after I booked the travel, but well before going on the trip, so I read the T&C carefully when deciding to apply. That made it extra obnoxious to have the CSR at the airport say, with a long-suffering air, that the T&C clearly stated that I had to have paid with the card. If I log into the actual Citi card account and click on 'My benefits' for the card, it says something like 'Just use the card when you book the tickets to get a free bag.' That's the only thing I could find after a lot of searching that even implied anything else. But anyway Mendel's suggestion to pay the remainder of the fees would hopefully get you around this.
  5. The bag won't be free IME. The T&C at the card application make it sound like it will be, but there are additional T&C floating around somewhere that say you need to make the reservation with the card. I just went through this on a trip in July. On the outbound segment, the check-in agent did manually adjust the charge when I showed him my card. On the return segment, they refused to do so and one of the agents was actually pretty rude about how the T&C clearly stated the reservation needed to be booked with the card. When I got back I contacted American to complain about the misleading T&C, and after some boiler plate response and back and forth they gave me another number to contact "to pursue further". I gave up at that point because it was just $25. The poor customer service and misleading T&C bothered me more than the $25.
  6. I assure you that the personal cards are once per lifetime. Do you mean one bonus per product, though? Because I'm saying there is sometimes language that says that you may not get the bonus if you are a current customer at all. I have the Green charge card only, but if I click on "Offer Terms" for the BCE, I see: "If we identify you as currently having an American Express® Card account, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have or have had this product." Some people say they get it anyway (assuming they don't have the BCE), but some people have apparently been denied. You're right about that language and I wondered about it meaning the same. After I opened the SPG personal, I opened the Amex Hilton no-AF card. It had that language, so there was part of me that wondered what you're wondering -- but it had no AF, so I figured I'd give it a shot. I got the opening bonus no problem. I'm not sure where you're reading mixed reports -- I haven't heard of anyone not getting the bonus as long as they hadn't had that particular product before. On the business side, all indications are that you just can't have had the card within the previous 12 months -- unless they send you an offer in the mail that doesn't have that language (I've read several blogs lately about mailings without that language and people who have gotten the bonus again despite only cancelling a few months prior). I would doubt that you wouldn't get the bonus on a card they are clearly trying to market. I do wish that they changed the wording to be less vague about it -- because it definitely reads the way you're interpreting it. That said, in practice, I'd be shocked if you didn't get the bonus. Great, thanks for info. Originally, I did a google search the first time I saw this and saw some blogs say things like a couple people on forums had been denied. So very secondhand...I also remember seeing some direct posts from people who called CSRs to check specifically because of that language and were told the bonus restriction is within a product family. I think I've been seeing that language for a few months now, so if it was an issue more people would probably know about it, especially the people here. OTOH, I had some paranoid thought that maybe since I'm a bottom tier customer to them (see: routing to outsourced CSRs) they might selectively deny just me (and a few other plebes) or something
  7. I assure you that the personal cards are once per lifetime. Do you mean one bonus per product, though? Because I'm saying there is sometimes language that says that you may not get the bonus if you are a current customer at all. I have the Green charge card only, but if I click on "Offer Terms" for the BCE, I see: "If we identify you as currently having an American Express® Card account, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have or have had this product." Some people say they get it anyway (assuming they don't have the BCE), but some people have apparently been denied.
  8. Interesting, this one doesn't seem to have the disclaimer that "if we identify you as an existing Amex customer, you may not be eligible for this offer". Instead it only mentions having the same product. I've seen mixed reports on whether Amex follows through on the "existing customer with ANY card", so it's kept me from applying since Amex doesn't like me very much and never offers me bonuses when I'm not anonymous. Thinking about applying.
  9. Hey GR8White, I just skimmed your thread so maybe I missed something, but I believe based on what I've read in the past that in Illinois if you satisfy your judgment you can get it vacated. I don't know if if there are exceptions or if the judge has discretion or what, but in Cook County the 'vacate' motion is built into the form for satisfying the judgment. Google form CCG0500 which is the Cook County version. www.illinoislegalaid.org has some info too. I believe when you pay your judgment there is a legal obligation to give you whatever your county's satisfaction form is...in my case my creditor (Cap1) was represented by a local law firm and they filed the form with the courthouse for me. It took a couple months from the time I paid. I checked in periodically at the Cook county online court records and when it showed up as vacated, I disputed with all three bureaus and it was gone within a week or two.
  10. hoxuantu, When I applied for Sallie Mae I had a TU 670, a $1000 NFCU that was 13 months old, and a $4000 NFCU card that had just started reporting. I did have a lot of positive student loans with longer history. But I also had a lot of older baddies, although all 0 balance (paid or CO'd). They gave me an instant approval for $1500. I have applied for the US Airways card a few times since then and always been denied for 'sufficient available credit' or similar, even though stuff is dropping off my credit report and my score is rising. Basically, I think it is actually fairly obtainable to get your first Barclay card with a middling score, including the Sallie Mae. Make sure it's the one you want, though, because it might be a while before you get the next one or a CLI, especially with a weaker profile.
  11. I was an AU on a BOA account of a family member and it reported to all 3 bureaus. We didn't live together at the time I was added (IIRC, not positive on that) and had different last names, but I did have her current address as one of my former addresses on my credit reports. I mention this because since it is well known that later-version FICO scores won't include all AU accounts, so maybe BOA internally has similar logic for what they report. The other thing that might have affected my status is that I did actually use the card very occasionally and likewise very occasionally made payments to it. In fact, at some point I had the card linked to my BillPay on my BOA checking account so I could pay it easily. Probably not worth the hassle of doing the above for a few points. I actually later had a hard time getting the AU account removed from my credit report, be careful what you wish for with BOA.

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