Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Soulag

Members
  • Content Count

    22
  • Joined

  • Last visited

  1. Does anyone who has used Navcheck know if it reports to the CRAs as a personal loan or as a credit card account?
  2. I also just was notified of an inquiry on Transunion yesterday from Sky Bank, and have never applied for anything from Wells Fargo.
  3. Barclay also has business cards, and they pull TU.
  4. Halo and Equality have business cards issued through First American and they pull EQ. HSBC has a business card, as does BJs, issued through Comenity.
  5. Showed up today on my SPG Personal only out of four open cards, member since 1990. Is Ex 08.
  6. I agree that paid loans are not beneficial; when I had to pay off two installment loans to qualify for a re-fi, I was triple slammed on my scores. Each time a loan reported as paid my FICOs dropped 15 to 20 points each, and then again when my old mortgage reported as paid.
  7. Just to share my recent UW experience after 4 fairly routine approvals in a six app spree: 5) US Bank Business Edge Select: Instant decline, for high outstanding balances, I called UW and asked for reconsideration, CSR was abrupt and said he would re-submit and to check back. I checked the automated line and it was declined again, so I called UW again and got a more helpful CSR who asked some good questions about why I wanted the card and how I used credit. She said she would add her notes to the app and re-submit and to check back in two days. On the third day I got the "Congratulations, you've been approved!" message on the automated line, but no info on the credit line yet. Pulled EX (surprisingly, but everyone seems to pull EX in SoCal.) 6) Chase Marriott Business: I wanted this for the business credit and also to give me a enough points to complete an upcoming award reservation in NYC with the bonus; went pending with the "two weeks" message. After all of the recent negative stories about Chase approvals, I let this one stay pending and waited it out for two weeks before calling in. I have four personal and one business card with Chase and put a good amount of spend on them, but already have over 50k in CL's, so I offered to move some credit over from a personal card, but UW said she couldn't do that, and then grilled me about my business and how I used credit. I answered all of the questions patiently and truthfully, and she put me hold for about 20 minutes before telling me she would have to send it to a senior underwriter (possibly because of my existing exposure with Chase; she wouldn't say why.) Two days later a new Marriott free night certificate showd up in my Marriott account, and today the automated line finally said "Approved, credit line $10,000!" Pulled EX (of course....) So I totally agree that two or three calls are worth it if you want the card and have already burned the hard inquiry. It gets easier the more you do it…...
  8. I applied as a SP, 16 days from app to approval, see first post for process and CL's on other cards...
  9. I will update when I receive it. Be prepared for a long approval process……...
  10. After closing a re-fi on my home, I realized I need to move by business expenses off of my personal cards, where using the grace periods before paying them off had been increasing my utilization and holding down my Fico scores (currently in the 755 to 788 range, ) so I applied for six cards (five business and one personal) that I had been eyeing: 1) Alaska Airlines Personal (for the mileage bonus): Instant approval , $17,500 CL, pulled EX 2) AMEX Simplycash Business: Instant approval, $15,000 CL, pulled EX 3) AMEX Delta Gold Business: Instant approval, $15,000 CL, pulled EX 4) Alaska Airlines Business: Went pending, I called business UW #; they asked for proof of business, which I faxed in (28 years in business, average gross over 700K). I waited three days, and app. was still pending, so I called in again and spoke to a helpful UW who asked specific questions about how I used credit, put me on hold for a while, then said she would have to submit to senior underwriter, but she was recommending approval; next day appoved for $5,000 CL. Pulled TU. 5) US Bank Business Edge Select: Instant decline, for high outstanding balances, I called UW and asked for reconsideration, CSR was abrupt and said he would re-submit and to check back. I checked the automated line and it was declined again, so I called UW again and got a more helpful CSR who asked some good questions about why I wanted the card and how I used credit. She said she would add her notes to the app and re-submit and to check back in two days. On the third day I got the "Congratulations, you've been approved!" message on the automated line, but no info on the credit line yet. Pulled EX (surprisingly, but everyone seems to pull EX in SoCal.) 6) Chase Marriott Business: I wanted this for the business credit and also to give me a enough points to complete an upcoming award reservation in NYC with the bonus; went pending with the "two weeks" message. After all of the recent negative stories about Chase approvals, I let this one stay pending and waited it out for two weeks before calling in. I have four personal and one business card with Chase and put a good amount of spend on them, but already have over 50k in CL's, so I offered to move some credit over from a personal card, but UW said she couldn't do that, and then grilled me about my business and how I used credit. I answered all of the questions patiently and truthfully, and she put me hold for about 20 minutes before telling me she would have to send it to a senior underwriter (possibly because of my existing exposure with Chase; she wouldn't say why.) Two days later a new Marriott free night certificate showd up in my Marriott account, and today the automated line finally said "Approved, credit line $10,000!" Pulled EX (of course....) So 15 days after the apps I ended up 6 for 6. I will now chill and meet the minimum spends, while closing some older personal cards that no longer fit my spending plans.
  11. Thanks; does anyone know if the satisfied judgement can be vacated in California?
  12. We just paid off a judgment for my wife during the re-fi process (it was from an AMEX account, and the payee was a collection law firm.) Should I ask them to report the judgement as paid, or will the change in status cause it to report as new? (It is scheduled to fall off her reports in less than two years.)
  13. My DW recently discovered a default judgement on her CR, and today pulled the court record from the courthouse. It was filed in 2010 in California (where we live), and the section of the document regarding proof of service is blank. She was never served, and there is nothing in the filing to prove that she was. Is this enough to file a motion to vacate?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines