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Everything posted by DigDeep

  1. DigDeep

    Discovery charge off rate jumped to almost 4%

    I looked at the graph and it showed a clear decline in the over 50 age groups. 50-59 - $2.2B 60-69 - $1.4B 70+ - $0.72B This bracketing seems perfectly normal. 30 year mortgage is by far the standard mortgage term in the US. Most people don't buy a house at 20. Even if they did, the vast majority will move or refinance prior to 30 years culmination of a purchase loan. I don't know the exact statistic right now but the average homeowner moves approximately every 7 years. That does not take into account further "30 year clock resetting" from refinancing activities. Also, as alluded to by hdporter, economic periods of lowish interest rates are conducive to holding mortgages. Therefore, mortgages over 50 can be very logical.
  2. 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
  3. DigDeep

    Should I pay OC or CA?

    Make sure after you pay OC the CA deletes their tradeline.
  4. 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.
  5. 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.
  6. There is no cash option, just statement credit. Gift cards are the same .0075%. Travel appears to be similar at .0070%.
  7. 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.
  8. It is actually an effective 3.75% as their redemption for statement credit is only .0075.
  9. DigDeep

    Apping a NFCU card

    NFCU does not pull credit when joining.
  10. 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?
  11. DigDeep

    The Master obsolete delete time frame thread

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

    Free TrustedID Going Away?

    Will they let you have access to both products until Trustedid sunsets?
  13. I think some would say the Dum Dums are outside the teller windows...
  14. I just noticed NFCU updated my Fico 9 score two months in a row instead of every month. This may be a change to a monthly AR or just NFCU upping the benefit of providing the score to monthly. It could also just be a one time anomaly.
  15. DigDeep

    Free TrustedID Going Away?

    Interested, let us know your experiences.
  16. 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.
  17. Dispute as not responsible for the debt.
  18. DigDeep

    PenFen Power Cash Rewards Card offer

    🤞🤞🤞 That is good info to know and not well known or discussed. Most people only know about 650 min fico for card.
  19. DigDeep

    Free TrustedID Going Away?

    As crappy as the product is, I will miss the ability to see soft inquiries whenever I want.
  20. It would be logical NFCU is now doing monthly AR. This phase of the economic cycle is starting to get long in the teeth, so to speak.
  21. To update, I again received a score for December. This makes 4 consecutive months of scores from NFCU. It appears monthly pulls may be the new norm.
  22. DigDeep

    The Master obsolete delete time frame thread

    TU for me is auto deleting current month + 2 months.
  23. DigDeep

    The Master obsolete delete time frame thread

    Pretty sure TU is 6 months max for early deletions on BK.
  24. DigDeep

    The Master obsolete delete time frame thread

    For me, EQ is currently auto deleting current month + 4 months out. If this holds similar for you, it should be gone very soon with no effort. Hopefully your disputing did not disrupt the auto delete process.

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