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  1. DigDeep

    Credit recovery after almost-foreclosure

    It is 7 years from the DOFD, the date you became delinquent and never became current. If you fell delinquent once, never brought it current to create a new DOFD, you would go by the original DOFD plus 7 years as to when the deletion of all lates will occur. Also look into early deletion, each bureau is different: https://creditboards.com/forums/index.php?/topic/521705-the-master-obsolete-delete-time-frame-thread/&tab=comments#comment-4945715
  2. DigDeep

    Should I pay OC or CA?

    Make sure after you pay OC the CA deletes their tradeline.
  3. DigDeep

    To be added to a Amex card with bk

    Thanks. I could fix it further but I will refrain. 😊 In the world according to centex, AU employees should be responsible for companies debts, AU family members should be liable for helping buy items for incapacitated family members, AU friends liable for helping incapacitated friends, etc.. Maybe more thinking and less speaking is in order for centex.
  4. DigDeep

    To be added to a Amex card with bk

    Silly me. You're right. It is a positive, LOL! If you think REAL hard, you MIGHT figure out situations where your statement is completely absurd.
  5. There is no cash option, just statement credit. Gift cards are the same .0075%. Travel appears to be similar at .0070%.
  6. DigDeep

    To be added to a Amex card with bk

    Would this Amex tradeline reflect just as any other AU tradeline? If so, it would have no positive benefits over other AU TL's along with negatives of being responsible for debt charged and and no backdating like some other AU TL's do.
  7. It is actually an effective 3.75% as their redemption for statement credit is only .0075.
  8. DigDeep

    Apping a NFCU card

    NFCU does not pull credit when joining.
  9. DigDeep

    The Master obsolete delete time frame thread

    My wording was ambiguous. I meant at any point in the entire history of this account did you dispute it?
  10. DigDeep

    The Master obsolete delete time frame thread

    Out of curiosity, did you ever dispute this account that did not auto delete?
  11. DigDeep

    Free TrustedID Going Away?

    Will they let you have access to both products until Trustedid sunsets?
  12. I think some would say the Dum Dums are outside the teller windows...
  13. DigDeep

    Free TrustedID Going Away?

    Interested, let us know your experiences.
  14. DigDeep

    NFCU Annual Review etc.

    For Account Review, it appears to now occur monthly. It was every other month. See thread below. https://creditboards.com/forums/index.php?/topic/616128-nfcu-just-updated-their-provided-fico-9-score-monthly-ars-now-once-a-month/ You can always expect NFCU to do a hard pull for each request, especially with CC's. For their non CC lending, you MIGHT get away with one pull within a short period of time. CLOC and auto loan requests very close together would be an example.

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