whipped

I don't see why it would be an issue honestly...I mean if you carry such card they'll likely assume you're responsible and think less of you even if it sets it off. Unless you're carrying bunch of toy cards and dressed like a slob they'll question you no matter what

First time posting on this thread but seeing the OP is from NH as well I'll share my info. - Not LLC (looking into it but...confusing!) - Running as sole prop - Registered in NH - Business checking opened in the last month - Applied for DUNS number few weeks ago So far I've been approved for: - AMEX Gold Business (charge card); was approved for Platinum but realized I didn't want to pay the annual fee as I won't be traveling any time soon so had them switch - Lowe's Business Credit $2,000 - Amazon Corporate $3,500 I'm trying to avoid any accounts that otherwise would report to my personal account so it's been fun as far as doing the research and see what accounts I would take advantage of with my business while I garden with my personal (I have WAY too many inq's).

The fact that they wouldn't do it in writing alone is shady. Did you dispute get the debt validated? If not that's the first thing you should do. CA's have 30 days to do so. https://creditboards.com/forums/index.php?showtopic=145158&page=1 I still wouldn't do it over the phone. They may know the law better than you do and it can backfire on you. Any time the CA agreed to PFD for me in the past (only few times) it was through a letter using: Certified mail with return receipt A letter with the manager in charge's signature agreeing to such agreement Send payment via certified check or money order via same mailing method above. If they don't hold up to their agreement usually CRA's will delete and if not you have a legal case which I highly doubt the CA would waste their money if they agreed to it.

No it doesn't. Just makes things more complex. Strong, unique passwords for every site and account. 2-factor authentication. Smart computing practices. She didn't get hacked because she has one email account for everything. More likely she uses the same password on multiple sites, and another one was hacked. Haven't heard anything about an Amazon data breach. Given what they control on the internet (massive data stores, web sites, etc.), they're probably one of the more secure sites/services. Another possibility is a targeted attack specifically on her by someone she knows. But probably less likely. This x100. 2-factor authentication nowadays is a pain BUT is a good practice. And I can't say enough about LastPass and especially if the phone has fingerprint scanning feature which many banking apps utilize. If anything, LastPass will allow you to use the fingerprint feature to log in and will fill the password fields quickly for each site. I use it on my Android and every machine and never have to worry about all the passwords. Also the biggest plus with LastPass is you can generate complex passwords and have it stored automatically. Many of the financial sites I have 20+ character passwords with numbers, caps and symbols. I can't live without it

706 -> 737

No bueno with the hacksaw purchase today. Oh well, Discover gave me 5% off at least. Next time I'll have to combine it with 10% coupon to get the 15% off...

Congrats!! I'm in the same boat I took a Santander loan after a divorce for a car 22% rate ugh! Opened it 2014 closed it 4/2017 got a better car loan. I have 2 30 day late I wanna remove the account as you did! This gives me hope! Thanks! Santander is notoriously difficult. I've done so many goodwill letters in the past and they won't budge. I think disputing for inaccuracy if you can find one is really the only way with these people. My rate was 14% back then

? $6.85 for a chicken burrito is nothing. Subway charges $9 for a ham sandwich. Is it cheaper there or something lol. It's $11 after tax around here. It all adds up ya know.

Erroneous reporting of the tradeline that's been closed for 5 years and they're in violation of FCRA or something to that line. Of course that was kind of obvious looking at my report so I may have had the leverage there.

I'll have to try this tomorrow as I need a hack saw...and use my Discover 5% back for home improvement.

I haven't been there in couple months (since it's so expensive...) but will have to keep an eye out...

And they paid 11 cents with their bulk mail rate. I'm not a big hippy tree hugger but still this was like half of those 500/ream of paper! And my credit doesn't go back far...I'd hate to see what would've came in the mail for you seasoned folks with extensive credit lol. Actually Equifax paid $11.65 to mail that beast to you! We should all request one..... You're right! The zero through me off and realized there's a period Ridiculous USPS even charges that much...I can send bigger box down to Florida for the same price!

I'm going to back off on this application... Sound like NFCU will hold a grudge and never let you back in once they take a loss. Blacklisted for life for me.

And they paid 11 cents with their bulk mail rate. I'm not a big hippy tree hugger but still this was like half of those 500/ream of paper! And my credit doesn't go back far...I'd hate to see what would've came in the mail for you seasoned folks with extensive credit lol.

So I get this thick heavy envelope and wrapped in a plastic that USPS has indicated it was damaged during shipment that they were sorry. Recently EQ deleted a baddie so knew it was a credit report but this is HUGE! Okay...so what did I get? It's a rather big font on the first page? ..........wait a minute lol!!! How this happened I don't know. But I'm not reading 232 page version of my credit report in size 20 font

Actually if there's anything that can be done, can that actual link to the database submit link be bigger (bolded, italicized, sprinkled with angel dust surrounded by crappy gif's from the 90's or whatever)? I always got confused whenever I try to find where the link was for the database. And of course I realized my earlier info I submitted had the wrong FICO.

Will try this next time Thanks!

Called. You sounded a bit gruff and groggy, Kat. Made me think twice about our planned reunion. roflmao

Canceled this morning

1. Sign up for 7-day trial at CCT 2. Cancel the next day 3. Rinse and repeat once another trial membership option pops up 4. ??? 5. PROFIT!!!!!111! I think Kat is sick of explaining this method EX is daily and 30-day pull for the other two. Of course there are plenty of free FICO source so if you carefully combine them you shouldn't have much problem getting at least updated FICO every week or two.

Ah okay, I thought they were going to say hey...you've been canceling on and off for awhile now... Oh. I swear they had the 877 number on top before! And midnight? What is this Kat, I need my beauty sleep!

I agree, diligence but also enter the data so others can search easier as well. When I enter say Synchrony products I'll put that in for say Lowe's. Also & obviously, detailed info so users can get a better picture of your credit profile. I usually enter my overall utilization, any baddies and if another bureau was pulled also on top.

Possibly... Can we blame it on Kat? Yep! I tried last Wed/Thurs. Been doing this for few months now. Monday is probably the worst day to call either way lol.