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Everything posted by chrishillson

  1. About a two weeks ago I mailed a letter to Equifax asking for a copy of my credit report as I do every year. Apparently reading comprehension isn't their strong point. They replied back Emphasis not mine. 🤣
  2. Lookup username... when you go to capitalone.com and click Forgot Username or Password link it brings you to a page where you can enter name, DOB, and SSN to recover your username in case you forgot it. Yes there was a recent data breach from Capital One but there were hundreds more before that, so who knows where the criminals got the info.
  3. PFD with an original creditor isn't very common. Best you might do is get them to take 20-50% off and that'll get your credit report to show $0 balance. Try to do it well in advance so you can verify reporting and dispute any inaccuracy 😉 The strange thing with Chase is they had a scandal back around 2013 with their debt collections, or was it debt sales, practices. Ever since then I have yet to see a single lawsuit filed in my state over a Chase credit card debt. Not even one from a debt buyer. I noticed this trend 2-3 years ago and since then I've always figured they'll start back up next month, but I suspect they've yet to resume selling. Then again I'm not sure what the how long they usually hold on to these before they file suit.
  4. Back then my only card was an Amex Platinum with a $500 spending limit.
  5. My peeling plastic card doesn't expire until 2021 and I hope to hang onto it as long as possible.
  6. A few months ago I made a $5k down payment on a car with my NFCU card and it wasn't declined. I was 50 miles from home and it's the largest purchase I've made with this card. Glad I didn't have any hassles, but also surprised an unusual transaction didn't get flagged. Just this week I got my NFCU statement where they charged a cent of interest. Not a huge deal, but my account has 0% on purchases and balance transfers until at least November. Hopefully the next statement doesn't have any surprises.
  7. In this case when I say "similar purchases" I mean: Merchant is outside the US Merchandise was shipped from outside the US Transaction processed through PayPal Card statement shows HK which is presumably Hong Kong Chase doesn't charge an FTF, Elan does.
  8. I recently got an Elan Fidelity Rewards card and used it to make a PayPal purchase. I just noticed they charged a 1% foreign transaction fee on a PayPal purchase. The merchant does indeed appear to be in Hong Kong, but I've made similar purchases on a Chase card (3% FTF) and it wasn't charged. Chase: PAYPAL *ZHANGZHIGAO Additional merchant and transaction information 4029357733000000000HK Online, Mail, or Telephone transaction Elan: PAYPAL *FASTTECH 4029357733 HK Merchant Info 4029357733 Hong Kong Merchant Category ELECTRONICS SALES I'm not going to raise a stink over $0.25 but I'm curious what the deal is? I've used PayPal for years, made many purchases from overseas, but have never been charged a FTF.
  9. Approved for $14k on the Fidelity 2% card. Time to close the Merrick bank card I mentioned a few weeks ago, and maybe SD Citi Double Cash with the ridiculously low limit.
  10. Don't pay this company for their advice. I've seen some that charge a % of the credit you get approved for, or even worse ask for personal info or copies of credit reports.
  11. I just got off the phone with Amex about this and they said I'm 100% protected from fraud and there's no need to replace my card. It's reassuring to know my account has been notated!
  12. I concur, based on the info given these calls sound like a scam. Don't waste your time.
  13. Go to USPS Zip Code Lookup: https://tools.usps.com/zip-code-lookup.htm?byaddress Type in the complete address and click Find. On the results page it should show the address with a down arrow next to it, click on that and look for COMMERCIAL MAIL RECEIVING AGENCY. If it says N you should be good. If it says Y you'll probably have issues using that address. I remember a few years ago I typed in a CMRA address on the Amex application and just typing the address without even clicking submit brought up an error along the lines of "Sorry, you can't use a PO Box" I use a VoIP provider that offers it. $4 setup fee and $0.40 per month.
  14. Mine doesn't have any fees, otherwise I would have closed it already.
  15. About 3 months ago I opened these accounts with FICO 8 798-802: BMW $28k @ 2.49% with $1000 SUB Chase Freedom $11500 Citi Double Cash $3500 Discover It $6000 This week I went down the list and got these CLIs with FICO 8 756-760 (auto loan killed my share secured score boost): Citi $3500 > 5500 Discover $6k > $9k Macys $4k> $6k Synchrony Marvel $10k > $25k Highest limit is tied for $25k with NFCU and Synchrony, and $23k on Amex. Lowest limits $2500 on Merrick Bank (does not offer CLI), and $5500 on Citi. I think my next goal will be to get the highest limit up. In order to get the highest limit up to $30k-40k should I close Merrick in order to make the average limit look better? At what point does % of income become a concern?
  16. You should evaluate your 401k expenses. Some plans have pretty terrible investments with high expense ratios. If that's the case I recommend contributing up to the employer match, but then work on maxing out your IRA before you make any further 401k contributions.
  17. In most cases a personal loan would be an installment loan, but something like a personal/unsecured revolving line of credit would report as a revolving account (e.g. NFCU Checking Line-of-Credit) Installment loan = you're given a fixed amount of money and you make fixed payments and you usually pay it off over a fixed amount of time. Revolving account = you're given a credit limit and and your minimum payments are based on the balance.
  18. Sounds like a LexisNexis Accurint report. According to LexisNexis: There's a section on that report for "Others Associated With Subjects SSN: (DOES NOT usually indicate any type of fraud or deception)"
  19. Very Interesting! What shows (or doesn't) up on it? No employment info, just a bunch of inquiries from Capital One (every 6 months) and Healthcare.gov (around the time I renew health insurance)
  20. Speaking of which I got my report from The Work Number today and guess who's pulling inquiries all the time? "Capital One VOI Batch", I assume VOI = Verification Of Income.
  21. No doubt lower utilization is better but I just financed a car a few months sooner than I planned (deal was too good, CPO with 5000 miles for 40% of MSRP and even got a $1000 sign-up bonus) and it was a race against the clock to get some card applications in before the loan reported. Since I did the Alliant trick I expect my scores to drop 30 points. On a positive note one card just reported and my Experian FICO 8 score didn't change.
  22. 9 Open accounts, 7 with $0 balance. Total credit limits $91,000 $450 balance on Amex charge card, $4500 balance on card with $25,000 limit Reported income just under $60,000.
  23. "Account approval notice" from Citi ... still waiting on the card.

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