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Everything posted by StantheMan

  1. Fico 9 Bankcard. I know CU’s have different standards than banks however I don’t see how full payment could be demanded just because I’m pushing for a resolution for a mistake made by the card issuer and be deemed a troublemaker. All I’m requesting is accurate reporting and nothing more. Perhaps being in the toilet credit wise has spooked me to be overly cautious.
  2. I have a BK on 2 reports and just don't want to add too much additional debt and have AA because of accumulating debt.. Maybe I am being overly aggressive however computers generate the AA and human eyes never see the reasons. The cycle closed on the 24th and reported on the 25th. The Amex was closed on the 22rd. I don't see how they can demand the balance on a closed account that should be a zero balance.
  3. I used my Amex Pathfinder for a 5k 0% balance transfer last month. The card transitioned into a Visa 4 days ago. The problem is BOTH cards are now reporting as open with the 5k balance. Called them and demanded the Amex be deleted and was told they are aware of the problem and it could take as much as 45 days. Not acceptable as it already dropped my Fico 40 points and I’m awaiting a call back to have it deleted within 48 hours.
  4. If you are so intent on getting the card go to a branch and open a checking account and bring your docs. with you. You will get a soft from EX and will be told you qualify for a card and get a hard from EQ once you accept the offer.. Close the checking account once you get the card if you wish. About an 1/2 hour of your time. I had a similar situation as you with HSBC a couple of years ago but going to the branch was an easy process and received the SUB from both the checking and card. Closed the checking after 90 days and still have the card.
  5. I have a couple of BT&T cards. If and when they transition to the new name I bet merchants will believe they are either a really subprime card or a prepaid despite a Signature or World designation.
  6. That is accurate, thought you were referring to Private Client equivalent.
  7. You can easily get in with $500,000, maybe even less.
  8. My spouse has "private" banking with UBS and she has nothing but praise for the service she receives. Call backs within minutes or same day meetings on demand not to mention sound advice for investments etc.s. So apparently YMV when it comes to UBS. You are correct on the point of not having to be a huge investor.
  9. Based on $ and cents it not a good investment for the very high end HSBC cards. I opened a checking account with 10k a couple of years ago and after 60 days got a $350 bonus plus an Advance credit card(kind of meh but not terrible). After I received the bonus closed out the checking account and was told there would be a $45 annual fee for the card but have yet to be charged. It's much better to keep the $75K and even invest at 1.9% or the hassle of DD of 5K per month for the $750 and a few other perks plus the $395 annual fee for the elite.
  10. Received the letter today for both my 20K Amex Premium Travel Rewards and 30K Amex Pathfinder. Called and the CSR stated the max they will combine is up $25K. If that is accurate I will now have 2 VS Pathfinders..
  11. Almost all cellphones store employees are paid by commissions including Verizon. Just read every line including the fine print and have them eliminate the fees. They will never pass up a sale even without the bogus fees. Been with Verizon for many years without any issues and the service is faster and better than the rest where I reside. Of course it may be different depending on location. The price is actually a little cheaper than AT@T and a little more than T-Mobile. As for the rest it’s a crap shoot.
  12. https://www.experian.com/ncaconline/dispute Paste into address bar. should work provided you haven't accessed report with same number more than twice.
  13. A shot in the dark: THIS MYEQUIFAX AGREEMENT AND TERMS OF USE ("AGREEMENT") CONTAINS THE TERMS AND CONDITIONS UPON WHICH YOU MAY CREATE AN ACCOUNT TO PERFORM CERTAIN ACTIONS RELATED TO YOUR CREDIT REPORT PROVIDED BY EQUIFAX INFORMATION SERVICESS LLC (“EIS”) THROUGH WWW.EQUIFAX.COM AND ALL OTHER WEBSITES OWNED AND OPERATED BY EQUIFAX AND ITS AFFILIATES ("SITE") UNLESS OTHERWISE NOTED. THIS AGREEMENT DOES NOT APPLY TO WWW.EQUIFAXSECURITY2017.COM, WWW.TRUSTEDIDPREMIER.COM, OR WWW.TRUSTEDID.COM. THIS AGREEMENT ALSO DOES NOT APPLY TO THE TRUSTEDID PREMIER PRODUCT, THE EQUIFAX LOCK & ALERT SERVICE LAUNCHED ON JANUARY 31, 2018, PRODUCTS OR SERVICES OFFERED DIRECTLY BY EQUIFAX CONSUMER SERVICES LLC (“ECS”), OR THE EQUIFAX CYBERSECURITY INCIDENT ANNOUNCED ON SEPTEMBER 7, 2017. YOU MUST ACCEPT THE TERMS OF THIS AGREEMENT BEFORE YOU WILL BE PERMITTED TO REGISTER FOR AN ACCOUNT THROUGH THIS SITE. BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT. YOU ALSO AGREE TO BE BOUND BY THIS AGREEMENT BY USING THE ACCOUNT OR TAKING OTHER ACTIONS THAT INDICATE ACCEPTANCE OF THIS AGREEMENT. PROVIDERS OF THE ACCOUNT AND THE SERVICES. You are creating a myEquifax account (“Account”) with EIS. This Account will allow you to take certain actions related to your EIS credit report (“Equifax Credit Report”). These actions currently include placing, lifting, and temporarily removing a security freeze on your Equifax Credit Report and placing or removing an initial fraud alert and active duty alert on your Equifax Credit Report. Additional actions may be added in the future. EIS may use service providers, including affiliated companies and their service providers, to help EIS perform these actions and fulfill related functions. You acknowledge and agree that EIS may make additional services available through the Account in the future. EIS and its respective service providers are collectively referred to in this Agreement as "We," "Us," and "Our." You, the person visiting and utilizing this Site or to create an Account, are referred to as "You" or "Your".
  14. Perhaps you're right but I just hate being deceived. Like minor surgery an inquiry is only minor when it's being done on someone else. I'll enjoy the pie regardless.
  15. After many years with AT&T I decided to go with Verizon with the condition of no hard inquiry. The dealer agreed along with the manager. Knowing this did not mean much I had a paper agreeing to this agreement signed by the manager. Of course a hard was on EQ. I contacted the EO of Verizon and the manager admitted to this at which the EO agreed to remove the inquiry and was sent the following e-mail with a follow up call. : Thank you for bringing your concerns to the attention of xxxxx xxxxxxxxx, SVP-Consumer Customer Service . We are committed to providing you with a stellar customer experience everyday. We value and appreciate your feedback when we may fall short of that commitment. I am glad that we were able to resolve your concerns by submitting a suppression request to the applicable credit bureau. This credit suppression should occur within 60 days. Thank you for your patience in the resolution of this matter and your continued loyalty to Verizon. Sincerely, xxxxxxxxx xxxxxxxxx 2 months later the inquiry is still on EQ and it claims no contact from Verizon. The case is now closed and I can't get in touch with the signee of the e-mail and phone call. All I get is the EQ refuses to remove it as we can't do anything to force EQ to remove it. BS I told another Verizon EO official and ended the convo. What should be my next step? Thx for any advice.
  16. Thx, but my issue is everything appears correct on my TU. I have to get creative and if verified by Pacer I'll state very strongly I never lived in the city listed on Pacer and go from there..
  17. Probably grasping at straws but my Pacer shows my address as the major metro city I live by however I actually live 10 miles away in a suburb.. My Transunion show the correct city. Is there a snowballs chance the BK could be deleted because the cities don't match?
  18. I agree that HELOC’s are good for home improvements however I’m confident your rate is approx. half of the rate offered with this PCL. Just can’t think any logical reason to obtain this “card” with so many better options out there.
  19. How would this report on credit reports? As an installment loan or as a credit card? Assuming as an installment as a credit card would show a maxed out card. FWIW 20k at ~9% with LN and SageSteam frozen. No point for this as O% BT’s are much cheaper except for for the desperate.
  20. Say what you may about Cap One but using it for a BT puts the BT in a separate bucket and using the card for purchases doesn’t affect the BT. Plus you may get only a 2% fee or sometimes a 0 fee promo.
  21. That's a great hotel and for 30K points it's a real bargain.
  22. I don’t know about a split file. All my info is on the ones I always access regardless of the source , if anything maybe a 2nd file without complete information and not being updated. Thanks for the “theory” and I will call Ex and ask about the possibility.
  23. No I haven't but the reports from the back door are all accurate and are updating. Would the paper reports really be much different?
  24. I actually did that with a no fee Merrick card. The other two dropped while EX didn’t budge. After paying it the next month I recovered the points and as usual EX still stayed the same. Not really a huge deal since I’m not planning to app until next year. What’s strange is on the EX app with the archived reports the reasons are all exactly the same. At one time I had no inquiries on EX yet they were one of the reasons cited.
  25. I do..everything from denials to CCT, and everything in between. That same FICO 8 score.

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