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  1. 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.
  2. why would you spend money on a tradeline with a dirty file? Money would have been better spent paying down debt.
  3. Dispensaries in Mass only take cash or debit.Do they take credit in Tahoe?
  4. 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.
  5. 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?
  6. 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!
  7. 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 closing it since I won't be hitting coffee shops and have a bunch of small charges with the Covid going on.
  8. .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
  9. 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, Rebucketing?
  10. Yes i am in one of the counties in Massachusetts. I never heard of this bank till they stated targeting me with Facebook ads.
  11. I put off apping this because of the Coronavirus. I joined the CU Friday and they made some small deposits in my account to verify my bank account. Should be apping by midweek.
  12. Update. I called customer service, they said maximum credit line that she's seen is 20000, and they use Experian. I will be applying around the 18th to let some payments post. I will update with the results.
  13. Because they don't charge a fee for the balance transfer. if the coronavirus doesn't run my business what I want to transfer should be paid off in less than 6 months which will be less than one percentage point. Most of the other cards charge 3 to 5% balance transfer fee.
  14. I did a search many different ways and only found a few questions about car loans and I'm not even sure it was the same bank. I'm interested in their credit card offer but wondered what type of limits people got, and which credit agency they use. I will probably call the bank directly if no one has any information. https://www.iccreditunion.org/visa
  15. You may be right , I have not done too much research on rates because it is a month premature. I am coming off a lease, and I am going thru an auto wholesaler who the family has bought vehicles from before, and he told me with the recent fed rate increases , that the best credit scores are getting between 3.35 and 3.9 right now on used vehicles. I am just trying to put myself in the best position. My 720 score has 51 and 2100 reporting from my cap one cards Those are paid off and will stay in the drawer till after the car purchase plus my nfcu is reporting 2500 higher because i tried to get another payment in before reporting date.

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