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  1. I was informed by a US Alliance loan officer a couple of years ago that the pre-approvals are “soft” in other words meaningless according to him.
  2. That site is always buggy. Disputing online in general is a bad idea especially one such as this.
  3. Anyone who buys this model for the price indicated and actually makes 300k+ and has to finance for 6 years shows that there is very little correlation between income and brains.
  4. Sometimes the simplistic way is the way to go. I have had success with removing addresses, removing a bankruptcy and combining a split file. I just called the regular customer service line and demanded a supervisor, once the supervisor was on the line I explained I need special handling in the US. Was transferred to Atlanta and each time spoke to very cordial individuals who solved my issues.
  5. I joined PenFed with a super dirty file, Chap. 7 and a ton a IIB accounts with very large amounts yet within 6 months I had 50K in limits and my payments would increase my available credit by the payment amount literally around 10 seconds after I clicked the pay tab. Hang in there with PenFed, as you can do worse and every now and then it offers generous propositions. Far from perfect however as mentioned will correct mistakes.
  6. StantheMan


    Beginning early 2021, your U.S. Bank Cash+™ Visa Signature® Card will include ID Navigator Powered by NortonLifeLock™ and Postmates benefits. Here’s what is coming: Receive complimentary access to ID Navigator Powered by NortonLifeLock,™ providing you with the tools to help keep you informed of potential threats to your identity.
  7. StantheMan


    This elimination of the coverage takes place on 02/01/2021. Until then the coverage is still in effect. The statement Visa states is true as of today.
  8. StantheMan


    I believe Visa always offered CDW as a default even the likes of Merrick and 1st Premier had it with their Visa cards. MC was not always assured to have it. Going forward I enrolled in the Amex Premium CDW for a few $ more per rental to make it primarily coverage.
  9. StantheMan


    US Bank Cash + is the third Visa card that has informed me via e-mail that effective 02/01/2021 CDW will no longer be included with car rentals. Seems like a trend is developing.
  10. At least in my case I joined with a VERY dirty report yet managed to to get 2 cards at 6 months after joining now combined at 50K. Just received an offer for an auto loan with a check good for up to 50K at less than 3% at up to 72 months. No application or inquiry needed, just bring check to any dealer. Not the best FI but far from the worst.
  11. No I didn’t but had an account many years ago that was always paid. The back date is on the card.
  12. Filed 06/2015 and finally got pre-approved. Went for the Gold. Besides BOA and Chase have all the "majors" with close to 300,000K which is more than adequate for my needs. Will applying for a second card result in a second hard? Thx for all the support though out my rebuild.
  13. Cap1 is certainly an odd lender yet one of the most profitable card issuers. Six months out of chapter 7 handing over 15k limits and 6 months later another card for 30k. Those and other Cap1’s have been slashed by 2/3rds but in all honesty the limits never should have been so high to begin with. That being said the limits opened many other doors with better lenders and I have no complaints being cut since they are seldom used.
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