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  1. HI, My brother is applying for Business CC and BCLOC with NFCU. He has been an NFCU member for three years. His Biz account was set up last week. He would like to know how can he go about applying for Biz CC and BCLOC on a same pull? He does not yet have a Biz rep assigned to him. Business is a year old. He has a paper application for Biz CC, does he need a separate application for BCLOC? I don't know if it is true, but NFCU Rep was telling him that a business must be 2 years old to qualify for Line of Credit. Is it true?
  2. "D" is dead as of March 2015. However, AMEX will continue to backdate Member Since Date on cards as well as online accounts only so as to reflect when a particular individual first became an AMEX member.
  3. Any paid off CO is still a derogatory for as far as the FICO score are concerned. With those derogatory accounts showing up on your reports, applying randomly to issuers without any definitive strategy is just pilling up pulls on your reports. As Hegemony stated, before you do anything else, get hard copies of CRA. Those will help you a lot as you work along.
  4. I have a hearing coming up. BoA ended arbitration in 2009 I believe. I needed the first portion of the agreement pertaining to "By using this card, you agree to the terms and conditions of this agreement." I wanted for reference only.
  5. On CFPB, I did find an agreement from 2016 but I could not find any from 2015. Will that be good enough? I am not sure how many changes were made to 2016 one.
  6. Greetings, Where can I find BoA CC agreement for the year 2014/15? Or a most recent one (2018) would be good for reference in litigation?
  7. Yes they do, but if your EWS and Chexsys are on freeze, they could take a soft on Exp for Id verification. If you have an item on Chex or EWS that is past two year mark, HSBC will still open an account. If you have multiple items on Chex or EWS, I would make them soft the EXP instead.
  8. Update: I recent disputed one item on my CRA that was not opened by me. Account stayed opened for three months before it was closed by the OC. I have previously disputed this with CRAs and it was deleted by the two but EQ. I have recently filed a disputed with OC and the dispute is still pending. In the meantime I disputed with EQ again. EQ received the dispute on 03/12 and on 03/19 they have updated that dispute was resolved and additional information was provided by OC. According to my record. OC has not even contacted me on the dispute I have filled because it will take 60 days to process the dispute. I am of the opinion that EQ has not investigated and just sent me a generic response to this reinvestigation. In my opinion, if OC verified, while a dispute is still pending, then they have violated the FCRA. If EQ did not verify, EQ violated the FCRA. My question is how should I determine who messed up and how should I proceed if one or both have violated FCRA?
  9. Consumer must be aware that more banks and CU are adopting EWS instead of ChexSysem. While visiting a branch, we often find a small sign on a banker's table that states, "All accounts application will be verified through ChexSystem," but what is missing there is a disclosure about EWS. In comparison to EWS, the Chex seems to be limited in scope of information it retains and report. EWS that was initially just an inter-banks risk data sharing, is becoming a hub for retail authentication and risk management. I would encourage everyone to request their comprehensive EWS report (not a short report) to review for authenticity. A frozen ChexSystem have rerouted the institution (at least in my personal case) to pull EWS as well.
  10. Did you ever have any HSBC account before? If yes, how long ago? They do a soft on Exp for identity verification. What state do you live in? I have had quite an extensive experience with HSBC accounts, let me know if you need more feed back.
  11. Thank you. I have always called them up and asked for a copy. Good to know the difference.
  12. I never paid for a report to any CRA. They are not through annual credit reports avenue. Does it mean I am into 45 days long haul?
  13. Thank you. That is correct, I did receive a letter offering Optima if I pay the balance on that card. It specifically refers to that "one" account. I do have another AMEX account in CO but the letter did not address that.
  14. Thank you. I was working with DoD in post-conflict reconstruction in Afghanistan. I was working for DoD but not as a service member.
  15. From your knowledge, do you think I have a chance at Optima while I have all those other COs on CRAs?

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