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yonifreedom

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About yonifreedom

  • Birthday April 1
  1. Hey yall! Hope everyone is well. It's been a long minute in the garden! Here's an update (hopefully it encourages someone ) EQ: 824 / 0 INQ TU: 810 / 0 INQ EX: 779 / 2 INQ (Applied for Chase Ink 5/2018 & 6/2018 - Denied both times - too many new accounts - though I hadn't had a new account for a year at that time) PERSONAL NFCU CLOC $15,000 /$0 (STILL FROZEN - but it dos report) NFCU RCash Visa $40,000 /$0 (STILL FROZEN - but it dos report) Chase Sapphire $41,500/$0 Chase SW Pers $8,100/$0 Chase Amazon $6,100/$0 PenFed Amex $5,000/$0 PenFed PLOC $5,000/$0 Alliant Visa $5,000/$0 Lowe's $35,000/$0 PayPal $10,000/$200 Total Personal $170,700 BUSINESS Chase SW Premier $11,000/$0 Amex SimplyCash $2,000//$704 WF $30,000/$0 Amex Plum (Charge Card)/$0 Total Business $43,000 TOTAL ALL $213,700 Answers from last check in: 1. CLI for Chase SW Premier Biz - Denied 2. New app for Chase InkCash - Denied 3. Amex PLUM - Approved 4. Home Depot Commercial Revolver - Denied (but have received multiple offers) I am most likely coming out of the garden for the following: 1. I would like to product change my personal Chase Southwest Visa to something else (Freedom maybe - Any suggestions are welcomed) 2. I have a Business Southwest Visa I'd like to product change - Is this possible? 3. Would like to app two Southwest products to get my companion pass again will wait til January though 4. Started an education and consulting business that has been very successful. Would like to establish credit for this business and I am looking to make a few large equipment purchases for the business. I like the Amex Plum I have now ( I like to hold a balance for a month when I do use credit), but it is for a different business, so I was thinking of getting it for the this new business. I would like to try Chase Ink again (the new business started banking with Chase 3 months ago) And would like to try Home Depot again. Any other suggestions would be appreciated!
  2. EQ 780 EX 759 TU 760 -Gardening since 7/2017 (feels like a long time) I learned today you can NOT use PenFed LOC as a autopay account. Was out of town and let 2 bills (Chase SW & Lowe's) autopay with PenFed for 1st time. Both were rejected. Called PenFed to find out why? Can't use the LOC in that manner. Just FYI Can anyone tell me how those two late payments will look to Chase and Synch? I paid them in full 2 days later. Chase charged a reversal and late fee. Synch hasn't charged any fees....yet.
  3. Chase then Amex.....but you still didnt mention what type of rewards so we could suggest cards.
  4. If you look at your Ex report you should see AIN Address Identification Number, listed by each address. Match that up with the AIN listed by each creditor to see who is reporting the address you want removed. Have that furnisher change your address tobmost current.
  5. What type of rewards are you looking for? Travel? Cashback? What are your FICOS? How long ago did you burn Chase? Also when is the last time you asked for CLI on Cap1?
  6. Pop Rocks! Lol...they still sell that stuff? They do. I borrowed that combo of items from real life. I was behind a woman at Rite Aid on Robinson Avenue in Hillcrest (San Diego) a few years ago, and those were the two items she was buying. I was behind a woman at Walgreens in New Orleans last year, and she was buying a bottle of sparkling wine and a multi-pack of different colored Sharpies. Sometimes it's hard to figure out which is the impulse item. lmao....too funny bc I sometimes have weird combinations myself!
  7. Pop Rocks! Lol...they still sell that stuff?
  8. You can call or write EX to dispute addresess. My suggestion is to dispute all old addresses. EX will not remove any addresses attached to a currently reporting creditor.
  9. CK uses FAKO scores. If you want to know your real scores you want to purchase FICO scores. You can do that thru myfico.com or creditcheckecktotal.com. Paid collections can and usually do decrease FICO scores because eventhough the collection is paid off, FICO sees the recent activity on a collection account and dings you for it. When possible it is always better to negotiate a pay for deletion PFD and get the agreement in writing before paying. If you have more items to clean off your CR I suggest reading through the newbie section and educating yourself. Good luck
  10. Thanks for that very interesting read🤔

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