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generallissimo

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  1. I can't think of anyone more suitable for DCU board than @cv91915
  2. Were the information they had accurate... w.r.t. to salary? I would worry that this type of information is never likely to be reported accurately. Keep us informed on how the freezing went... I may want to do the same.
  3. Usually, if a product change results in a new card number, then it would report as a new card with a new open date. If it doesn't result in a new card number, then it doesn't reset anything. You can ask them at the time of product change, if that is the case.
  4. Ok, found a source for Equifax Bankcard Score 8. Citi offers it (at least they do for my Citi Premier) and matches the score from MyFICO. Though it appears that the scores are delayed by about a month before they appear on Citi, but accurately tracks my score history from MyFICO for Bankcard 8 and also states that it is indeed Equifax Bankcard Score 8 in the fine print.
  5. I read that as "Go sue for each spouse" 👍
  6. Since 2014 I have been throwing money away at MyFico for no reason for two people 🙄 Thought I should change that starting next year. Experian FICO 8 - Experian mobile app. Thanks @cv91915 Trans Union FICO 8 - Barclays Personal CC website Equifax FICO 9 - NFCU What about Equifax FICO 8? I have DCU but planning to close that as part of trimming useless accounts (it's not useful for the FICO scores as I'm not sure who even uses that score model).
  7. Chase: 888-245-0625 (Credit Analyst - Recons) Number no longer in use.
  8. Sofi, Lightstream or Earnest are known to issue 100K loans. In general, you will have a high likelihood of qualifying for a 100K loan, if ALL of the following are true: Your debt-to-income ratio after the loan is issued supports a 100K loan You don't seem to have been applying for new credit recently (accounts with open dates or just credit inquiries within last 6 months are bound to disqualify you by these specific issuers, but other issuers with lower loan limits may overlook it) Your overall and/or individual account utilization rates are below 30% (may be 50% tops)
  9. I'm not sure if a card like City National Bank Visa Infinite fits your goals but CNB does have branches in CA, so you'd be eligible to apply for it if that card and its benefits are right for you.
  10. This incident is from over 3 years ago... I think someone switched date on the blog post. accidentally or not.
  11. Not sure where you live but if you can swing it, CNB Visa Infinite might do the trick as it covers a large number of merchant codes at 3x. Earn 3 Points per $1 spent on gasoline, grocery, airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases It sucks cause you have high spend in both travel and general... that's a hard to optimize for with 1 card. My money is on CSR at this point.
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