Jump to content

ep2015

Members
  • Content count

    43
  • Joined

  • Last visited

About ep2015

  • Birthday May 11

Profile Information

  • Location
    KY
  1. ep2015

    NFCU and CLI pulls - EQ frozen - TU pull instead

    I just put in a CLI request asking for $25,000 recently with EQ and TU locked and got a hard pull on EX. It wasn't an instant decision but I did see the same day where they boosted me up from $14,700 to $22,000. Which according to the letter they sent is the maximum allowed credit limit on that card (Cash Rewards).
  2. ep2015

    Master 2018 Approvals and CLIs Thread

    So to update this again. NFCU double pulled me for a CLI. They somehow pulled my locked Equifax and then also pulled my unlocked Experian. I was hoping not to get a single hard pull thus the locking of EQ and TU. Only to wind up with a double hard pull for a CLI.
  3. ep2015

    Master 2018 Approvals and CLIs Thread

    Your report was not locked. Bc they cant do a hard of it is locked. I just checked Equifax Lock and Alert and it is still locked. I've had it locked for sometime now and have never unlocked it.
  4. ep2015

    Master 2018 Approvals and CLIs Thread

    An update here on the NFCU cli, so I requested one on Wednesday 4/18 and it was granted on 4/18. Then NFCU apparently did a hard pull yesterday on 4/19 based on an alert I received this morning. How can they do a hard pull with a locked report?
  5. ep2015

    Master 2018 Approvals and CLIs Thread

    A cli yesterday from NFCU from $14,700 to $22,000. I asked for $25,000 and it was not automatic as it went to review. Later in the day, I noticed that they had given me $22,000. There was no countering of my request for $25,000 as I had seen mentioned on here previously. I also had my EQ and TU reports locked so there was not a hard pull. From the best I can tell there was not even a soft pull on TU and I can't get in EQ to determine if they soft pulled there or not.
  6. ep2015

    PenFed quarterly offers?

    They are up today along with an updated FICO score as well.
  7. ep2015

    The Master 2017 Approvals and CLI's Thread

    Citi Diamond Preferred a $1500 SP CLI which took me from $8800 to $10,300. Then a SP CLI on my AMEX Blue Cash Everyday from $14,000 to $25,000. With the AMEX CLI, I have now eclipsed the $100k mark in total credit limits.
  8. I did a US Bank PC from the Platinum to the Cash Plus. There was no HP associated with it. I wound up doing it at a branch as I was told via the online chat, that I could not PC the Platinum into the Cash Plus. Within a day or two, I was able to set my 2%, 5% and 5% categories that come with the card. Then had a new card within a week or so.
  9. ep2015

    NCFU Ap 4/7, nothing yet?

    It took about 2 weeks for my application to get processed. That said I got in via the Navy League route.
  10. ep2015

    Collection Notice that is not mine

    Is there anything else that I need to do at this point or just wait to see their response to my DV letter? I've also checked the KY Court records and there is no judgement against me. Thank you for your help and hopefully this thing disappears once and for all very soon.
  11. ep2015

    Collection Notice that is not mine

    There is nothing on my credit reports (TU and EQ) that show anything related to this. No AR inquiries related to this at all. There are no odd addresses on my CR. I am not married so there is no CR to view for a wife. There is a 9 digit account number listed on the letter from the CA that when I have to Comenity/VS, I was told that the account was definitely not mine. I'm wondering if that is someone's SS#. Is this truly a stolen identity case that I need to contact law enforcement on or is this just mistaken identity on the CA's part? I just don't want to do anything to raise any red flags for my current accounts which are all in good standing. I pay off my credit cards in full every month and have a mortgage with a 100% payment history.
  12. ep2015

    Collection Notice that is not mine

    Do I send another letter or wait to see what comes back from my current letter already sent?
  13. ep2015

    Collection Notice that is not mine

    +1,000. Do not sign the letter. Do not give them your SSN. Send the letter CMRRR. I utilized one of Why Chat's DV letters and sent it CMRRR last night. Also I did not sign it or include any information that they did not already have (Name, and Address). According to USPS, the letter should arrive Monday. I went through the backdoor of TU and EQ both, neither had anything about this account. There was no "this debt is too old type statement" so I'm guessing that it is a fairly recent account. Whether it was Comenity or VS that I spoke with I'm not sure but they were very helpful and are of the belief that the CA is just fishing for someone to pay the bill. To take it a step further, I've never had a Comenity or any other store card. Hopefully it gets resolved with the letter I sent, if not I'll go from there.
  14. ep2015

    Collection Notice that is not mine

    Not to mention how many unmentionables does it take to run up a $10K tab? Do a standard dispute (or DV) as "not mine" and threaten to sue. I did call Victorias Secret and they confirmed that my name, address, phone and SS # were no where to be found in their system.
  15. I have received a statement from ARA Inc. that they now posses an account from Victorias Secret with a balance of $9,569.68. This is some kind of an error as I have never had a Victorias Secret account. No where on my credit reports is there anything relating to this. How do I proceed in removing my name from this debt?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines