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  1. From the "other" board, alot of people with BBVA accounts had their credit lines slashed after the Ollo mis-reporting f-up.. Supposedly that is now being slowly corrected... I have no experience with BBVA. Their accounts are geofenced, and I live in a state outside of their service area.
  2. All good for now, but will they go the way of NextCard from the late 90s-early 2000s?? Glad I haven't got involved with BBVA...
  3. All corrected and all good, like it never happened.. Still, the alert was unnerving, and I am rebuilding, again!!. In this instance best to let itself work out; but day-um!!
  4. I have their rewards card. Apparently there was a "system issue" on Monday, 2/1, in which the card couldn't be used and online access to the site was unavailable. The site went back up yesterday, 2/2, but when I got in to my account the rewards I had earned previously were zeroed out. I called them last night and got a rep who said that would be corrected; all good. Come this morning, 2/3, and I received two email alerts; one from Experian, another from a different ID monitoring service. Both stated that the status of my Ollo card was charged off-I have always paid this account in full be
  5. There have been threads about this before, including one I started in late last November when this first started happening-about CCT "Upgrading" accounts to a new Experian product (absolute bulls***). Not only does their new product cost more, it delivers much, much less...-but it worked fine as-was monthly for the last few years before the "upgrade"... Now the CCT $1 trial is totally dead. Oh, well.. Philosophically speaking: if they are going to make bank collecting and selling my demographic information and scoring me; then they owe me a cut of those profits, along
  6. I have had this service for the last 3 years, 24.99 per month for daily pulls on all 3 bureaus. Today I could log in, I called and was told I was "upgraded" to their new platform. The monthly charge is the same, but instead of daily pulls on all 3, it is now only once every 90 days. Pay the same but now get less!! Also, the new layout is horrible!! Anyone else been "upgraded" to? How do you go back to the old system? If you can't, where else do they provide daily reports and scores for all 3 bureaus?
  7. I received my Chex report last week, no negative information. As far as inquiries, a credit union that I applied to last May ran three inquires, is that excessive? There were also inquires from Clarity; who/what are they? They did reference loan/credit line account solicitations I received by mail that I responded to online; and stated that checking rates/terms would not affect credit score. Why would they be looking at my Chex record, let alone be reporting to it???
  8. I was under the impression that databases like Chex just kept information on those who have had their accounts closed by a bank for cause; excessive overdrafts, possible fraud, or owing the bank as a result of such. If one was listed this database, no new account for 5 to 7 years. If one isn't listed there then no worries. Been there and did my time (negative balances), but luckily there were other alternatives then. So Chex is now following *everyone* around and tracking all banking history on them regardless of positive/negative entries?? One can have a clean repor
  9. I just applied online at a bank with a large presence, and I have two credit cards with them which have always been in good standing; one opened in 2014, the other 2 years ago. Before that I had opened a secured card with them in 2011 and closed it in good standing 3 years later. Application for the checking account was declined due to information from ChexSystems ( I last ordered my report last spring and it was clean with no negative bank entries; and it has been clean for almost the last 3 to 4 years). Later I received an email from the bank which listed their reasons for the
  10. Denied for both PayPal MC and Amazon store card; 7-10 day letter to follow. I also have Care Credit, but from what I understand CLIs are always a hard pull on that card so I didn't try there. FICO 08 score of 634 on TU; 120 day late and paid CO from 2012 to drop off next year.
  11. Several years ago, when I wasn't using credit cards, I stayed at a Holiday Inn Express and they would not even accept cash for a deposit!!; even though the room was already pre-paid in full online. I was traveling out of state and trying not to have my checking account funds put on hold; and use cash and get the deposit back the next morning. They were having none of this and insisted on a deposit by credit/debit card. I ended up using my checking debit card, and it was not one of the cards on the above list. At the very least, get a secured credit card for these types of expenses!
  12. Clerks at Rite-Aid (Walgreens) keep asking for a Plenti card. What's the point?-it just slows down the already slow checkout line...
  13. Do the CRAs report it as a brand new account, or do they backdate to when the account was opened? What if there is a balance showing? Like others, I got a letter stating my account is being transferred from Comenity to Synchrony. APR is going up too...
  14. 10 years after a CO with Amex (not BK) under $5000 I am still on their blacklist. Upside, no hard credit pull. (It is April fools day after all when I applied ) Had a CO with Chase also from around the same time, it was paid. I appear to be off their blacklist, but denied for too many new accounts (5/24 rule). Just as well... Don't give a f about Barclay or BofA. Cap 1 is very forgiving. Surprisingly so is Citi. I'll just stick to managing what I have for now.
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