Jump to content

DeterminedinNC

Members
  • Posts

    198
  • Joined

  • Last visited

Everything posted by DeterminedinNC

  1. This is good to know!!! I'm going to call them to see if I can get them to report...thanks for the info...
  2. yes I've used it significantly and PIF trying to "coax" it to post but nada yet.....
  3. I opened a USAA Amex secured card back in August and it's only showing on Equifax...is there anything I can do about it? Will calling USAA help? I've searched more than once and can't really find an answer for this...
  4. he tried and they told him no, they wouldn't give him a reason but told him to wait for the letter.. had to unfreeze his TU to app for it and I don't think I unfroze it soon enough...hopefully his new TLs post soon and we'll try again....I was tempted to try Walmart for him but now I'm kinda scared..
  5. I tried 2 or 3 times to get a CLI for Walmart and Amazon... I was approved instantly for both.....
  6. Thanks friend!!! I look forward to seeing the same from you!!! I love your self control and ability to NOT APP!!!! I'm not quite that strong...LOL
  7. Not exactly a recon but I just tried 2 or 3 days in a row...on the phone and via chat!! My TU is still only 609 so hopefully I can get it after a few more baddies disappear.....I was hoping my high salary would do it but no dice....
  8. UPDATE: So Amazon and Walmart reported almost instantly!!! I wasn't expecting that!!! I made a $95 purchase on Amazon the day I opened it that I paid as soon as it was available to pay but it posted anyway. I think I'm ok except that I left a $5 balance on one of my USAA cards so I'll have 2 versus 1 accounts reporting a balance. I just paid the $5 so maybe I beat the reporting system but if not hopefully that won't be too bad...It will still be 1 to 2 percent reporting.... I paid 2 OCs that had my accounts with CAs...I sent letters demanding the CAs stop reporting....I verified both OCs had NOT sold the debt...one was Sprint and the other was an old utility bill...I'll update once they respond...the Sprint account is with AFNI and utility bill is with Online Collections GRVL... I had my scores go back up a bit..EQ 631, TU 609, and DRUM ROLL PLEASE!!!!! Poor Experian made it back up to 588... I app'd Lowes for my fiancé and he was denied!!!! I'm not sure why but I'll try again after his 2 huge NFCU lines report!!! Until later Credit Friends!!!!!! ETA: Synchrony hates me and will not give me a CLI on either account yet...
  9. OK and in your case you just spelled out your reason. You want a prybar limit. That's fine. To get multiple cards for this reason is ridiculous. Store cards aren't the best prybars anyway. You taught me a new term..I didn't know it was called "pry bar"...I totally understand the not too many store card thing but from reading here, most of even the "elite credit" crew gives Synchrony stores a pass from my observations..I'm at 4 store cards, one is a small Comenity account that I opened pre CB and before I knew any better..I know I'm at my limit before I slip into store card hell...
  10. I thought it was more about padding utilization and the big limits from Synchrony than actually shopping there on a regular basis...I personally prefer Target over Walmart but Target's CLs suck so I have app'd for Walmart....
  11. 3 more baddies off of Transunion!!!!! Only 4 collections left on it and TU and EQ!!!!!
  12. I have called Sync and asked for a $10K CLI on Walmart. They denied me. Then on the EXACT SAME call asked for a $10K CLI on Lowes. They approved me. Then asked via chat 5 days later for a $10K CLI on Walmart again and got approved. Yeah, I'm gonna hit Wally up on chat soon for the $10K. I know the drill. Call, Chat, Call, Chat... BTW, I did ask for $25K the day I was approved. Flat denied. After I got the card, though, CLIs have been coming pretty regularly. Slightly off topic, but TampaDude do you have a "journey" post where you've tracked your repair/build?
  13. I have called Sync and asked for a $10K CLI on Walmart. They denied me. Then on the EXACT SAME call asked for a $10K CLI on Lowes. They approved me. Then asked via chat 5 days later for a $10K CLI on Walmart again and got approved. Good to know!!! Thanks!!! I'm thinking I should wait for a couple more baddies to be deleted from TU....maybe that's it...
  14. How soon can you request CLIs after denial?
  15. Thanks!!! I just commented on your post!!! Since we started close to the same time, it will be great to watch our progress together...I can't wait to see where we are this time next year, or even in 6 months!!! I wish you continued success!!!!
  16. Congrats on your success!!!! I'm looking forward to watching you excel and win!!!!
  17. Just called Sprint..in 7 to 10 business days the account should be removed from AFNI!!!! It wasn't sold...So I guess AFNI operates as both a CA and a JDB!!!
  18. Sprint took the payment, and gave me a Sprint receipt...AFNI didn't have any info on about the payment except the amount which is DUH obvious and that it was paid...Sprint never reported the debt to any of the CRAs...AFNI never reported themselves as a debt buyer on my reports..I'm sending a modified version of Jeff's letter AFTER disputing with the CRA's and going thru the process...nothing to lose, but I feel good about my chances for deletion one way or the other....
  19. No this one is one all 3 reports, not just EX...that was just the report I had handy earlier..it's a Victoria Secret CO and the OC is reporting it on all 3 too..I know I probably can't get rid of theirs but hopefully I'll figure out a way to get rid of the JDB
  20. Yes EQ reported that they verified the TLs...... I will not start the repo process with EQ until I've completed all the steps for the medical. Thanks again!
  21. Nothing but a DV to Portfolio.....they didn't send back anything to me but they updated my reports with a "consumer disputes" statement
×
×
  • Create New...

Important Information

Guidelines