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  1. I am hesitant to apply for CLI with existing lenders because my 2020 income dropped 40k and I have been avoiding letting existing creditors know, I expect it to go back to normal in 2021. As far as product changes goes I think I would rather just apply for a new card and get the SUB and/or a new 0 pct offer.
  2. Those are personal cards. Black is a reward card , white is a lower interest card. I guess my question is will closing this card have any negative effects long term.
  3. Cv i am not sure what that means. Part of the disparity is that my father had put me on his GM cap one card opened in 1994 so I could use his accrued rewards in 2002. He never took me off the card and when I started cleaning my reports i disputed his address , not knowing of the benefit of being an AU. TU and EQ removed it . I never told him about the benefit i was getting and as he is 80 , when he bought his last Caddy in April he canceled the card figuring it would be the last car he would buy. That's the only reason i quoted CK.
  4. I opened the Boa black cc (premium rewards card) with a 40k credit limit in oct 17 and opened the white card Dec 18 to take advantage of a 0 pct offer. They took 14k from my black card to open that account leaving me with a 26k limit. Periodically they sent e 0 pct checks but have not since late 2019. There are also no rewards on the card so when I got my year end summary a few days ago it said I had only used it to charge under $5 in 2020. According to the Experian ap my AA of credit is 4 years 9 months. According to Credit Karma (just using this for a datapoint) my average age is 3 year
  5. Thanks, lot of good that will help anyone that was affected by the data breach. (which i wasn''t) its amazing they have dragged this out three years.
  6. I opted for the free credit monitoring but have never been contacted. I haven't seen anything about it on this forum , was I asleep or has it been delayed?
  7. How long and how often do you pros save your credit reports? i've got about an 11 inch pile going back to 2009 when i had my last negative post. Report has been clean for the last 3-4 years.
  8. why would you spend money on a tradeline with a dirty file? Money would have been better spent paying down debt.
  9. Dispensaries in Mass only take cash or debit.Do they take credit in Tahoe?
  10. I like CapOne cafes where if you pay with the card you get half price Petes coffee. I use that a few times a week pre covid. also like the venture card would give you 10 times points on hotels.com (not sure if they still do as I haven;t traveled since January) Stuck at 4400 from a 1000 platinum during my rebuild and my intial credit limit of 15k on the Venture. No adverse action for me with scores around 750 on all 3.
  11. I just opted back in last year . They were sending me 5-6 offers a week,I haven't gotten any mail from them during the pandemic should i complain?
  12. Update. I figured it out. When my credit fell apart in 08 the one card that kept reporting was my synchrony /jc penny card. Opened in 1998 and closed in April 2010 for lack of use. Fell off the credit report. Surprised that cost 30 points!
  13. UPDATE! Total waste of time I was rejected with a 752 EX score and 16 pct utilization. Called for Recon and he said the reason I was rejected was unused open credit lines. I was advised to close some of my credit cards and reapply in a few months, which I will not be doing. They are small and it goes to a committee. I owed 25k on about 137k with 4 cards reporting, one of which was my 95 fee on Cap One Venture Trying to decide now if i want to give them 12 debit transactions a month for the next 3 months for a 250 bonus or just close the checking account i opened. Leaning on cl
  14. .Hegemony. It is the free score that you get monthly from Experian.com . It said its a fico8. It matches up with my free Amex score which also dropped to 750 on Apr 22. This report was Apr 27. I am not worried but usually my score increase and decrease make sense. Marv i agree with you about the bank screwing it up. It is with a local CU and i got a notice that i was past due. They were great when I called though and I got a VP to send me an email that said no negative info will be on my credit report for the deferrment. *fingers crossed
  15. My march free credit report from Experian had me at 780. 27400 owed on credit cards out of 162k limits for a 17pct usage. April just updated and my numbers were 26, 951 out of 162k 17% used No new cards reporting open balances and my score was 750. (First world Problems) No missed payments etc. The only possible thing I can think of is that I deferred my vehicle payment and instead of paying the 524 payment I paid 92.00 the interest. I also have two personal loans and paid them so the balance on them went down about 500. Computer glitch,
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