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Everything posted by Newguy00

  1. I definitely wouldn't be opposed to a 0% for 12 e.t.c. but I planned on paying as I make the transactions.
  2. I'm going to start making some of the purchases in a week or two and then into summer.
  3. Yeah i may have to look at apping more than one. I don't read any of the credit blogs. Just here. I just wanted to stay away from any with small opening lines. Unless it has an outrageous yearly fee i probably won't close any.
  4. Or i guess any good promotions or sign up deals going on right now? Regardless of initial purchases?
  5. I may be making a few big purchases this summer. New riding lawnmower, lots of landscaping materials, and others. Ranging from 2 thousand to around 10k for one item. I figured it might be worth checking out current promotions for initial spend. My current cards are Amex (blue?) 35k, Discover 30k+, Capital One, 30k, Barclay ring 20k+, citi. Simplicity 12k, Chase saphire 20k, and a 10k wells Fargo that won't grow.
  6. I personally don't think it is a matter of skin color. I think it is a matter of upbringing and knowledge being passed down. I know for a fact it isn't just Black or Hispanic people renting because they can't get a mortgage.... there are plenty of white people who only rent too. It is because in the poorer communities they are not taught the save and plan mentality that previous generations had learned. Out of all these broken homes so many didn't learn the basic fundamentals of economics, banking, and protecting your credit.
  7. That's weird.... I didn't think this was your thread. Didn't Ivy start the thread?
  8. Yeah I probably should add a CU to the stable at some point. I joined NASA a couple years back but they turned me down for the card at the time. Penfed would probably be a good option. I may wait and see how this most recent one affects my AAOA first. I think it might put me just under the 2 year AAOA.
  9. Well, while I waited I ended up going for the Chase Saphire Preferred instead. They gave me a 19k starting limit. No complaints.
  10. Honestly mostly just diversity at this point. I don't churn or really maximize my cards as much as I could or should. But if in a few years there is another down swing where credit gets tight again I figured having a broad portfolio may help limit the devastation. Also to help lower utilization in the meantime as well.
  11. Or what else should I look at? I have 2 Cap Ones, 30k Amex, 30k Disco......
  12. Or if I get the Premier for the 50k point bonus and get $500 in gift cards with it. Can I PC the card to a Double cash?
  13. I am thinking about applying for a Double Cash. I have a 50k point mailer from Citi for their Thank you Premier but I had been contemplating the Double instead. Are there any other really good links or portals for better offerings right now? I had also though of Chase or Barclays but I don't care for how finicky they tend to be. Current scores are around 750 and 760's. With about 2.3 years AAOA.
  14. I was busy around the time my statement posted and then remembered to hit the luv button about a week or two later. I had about $1000 in purchases on the card at that time (in between statements). Got a $3500 increase. So sitting at almost $30k now.
  15. I will be interested to see your results because I am going to do the same thing soon. Keep us posted.
  16. Regarding my lien. So I got results back from EX. They say they verified it. I expressed that there was an error and that I wanted to view all documentation regarding any records they had. Their "investigation" resulted in this message "The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details." They haven't provided me with any documents. And just stated that a third party verified with the courthouse (lien) I have Lexnex, and Innovis frozen. My certified letter stated I wanted documentation to be provided to me or for the record to be deleted.... so now do I follow up with basically another MOV?
  17. I just tried all 3 numbers listed in this thread. And got the exact same "Thank you our office is currently closed. Please call again during regular business hours" for each number. Exact same message for all 3 and no automated way to cancel.
  18. Higherprofit..... sorry maybe someone will be along shortly. This place has changed a lot in the last 2 years. It is getting harder to get answers or advice.
  19. Sorry shifter it's been a rough day...... I missed something in translation. Are you saying don't send it or do send it?
  20. And are you sending a copy of DL and utility bill with your CMRR'd letter to the bureaus? I notice they request that info but I don't really want to give them more info than they already have or any additional info.
  21. So I purchased all 6 reports. Is it possible to send a combined letter to each bureau with both my wife and my info on it since it is a joint tax lien? Or do I need to certified mail an individual dispute for each of us?
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