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Jaxo8

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  1. I wonder if this will effect my Amex rewards
  2. I'm definitely not an expert, but I did glean from a topic a while back that the consensus is that QS has far lower limits than Venture.
  3. My low AAOC was only going to get lower, I didn't want to get declined for too many new apps, figured a CLI would be easier than getting approval w/ new accs. NOTE: I found out last night that my mom has a open revolver with here CU opened in '83 - she's a credit novice, so not a sure thing. She still thinks pulling your credit reports hurts your scores.
  4. I've been lurking on the boards since mid February after I learned the hard way how new credit lines can impact your credit. I had been building my credit for 9 months with one Cap1 Secured Card, and had improved to 690s and decided to app Best Buy Visa, and Amazon Store card and Amex BCE Early February, Amazon approved me for $150, BB 1k and Amex BCE. I had apped the former two in hopes of making an electronics purchase and financing it over 24 months. Perfect, right? Well, I didn't realize that BB and Amazon would report FAR before Amex would, plunging my credit by 50 points for 50% util
  5. Pulled all reports, no hard inquiries showing, private inquiries all seemed legit. I'd have expected to see something to indicate a pull for the the credit worthiness @ time of lease; nothing. TU and EQ were clean. EX has a few I couldn't identify but hard to say given all of the abbreviations that they use. My personal EX reflects a hardpull from my current land lord and it's more than obvious what the pull was fur per the name of the requestee.
  6. As it stands now, I hope we can use threat of legal ramifications to get the lien paid by the mother and vehicle transferred to GF in one go. Might as well swing for the fences while preparing to pursue other avenues. At the moment, they would potentially be on the hook for 3 Months of rent as well as the ramifications of forgery and ID theft. I do believe that their income is enough to provide for the loan, their largest personal finance related issue is that for some reason, they have decided to live in one of the most expensive areas of the DFW area. MOTHER IS A DOMINOES DRIVER @ 40. Bo
  7. As it stands now, she may be able to obtain an original agreement from the Landlord if she can locate his information as she has had no prior contact with him besides today's arrival of a docusign. Vehicle is registered in moms name, assuming that title & bill of sale were made out to her free and clear as she didn't have to get GFs approval to take out lien, will ask GF later to clarify. Bank statements for the transactions may still exist, though the account has been closed, I expect that Chase has the record as I'd assume is required by law. Do not know about the procedure for
  8. Fortunately she is now in a position where she is out of that environment and has a decent job in which she can work her way up. As it stands, I don't believe the relationship is her concern, she is very adamant in that and has been since I've known her. Mom has pretty much brought it all on herself (and I'm the type to make my own observations as compared to just taking her word for it). Just to confirm, what would the grounds be for the lawsuit and what would be the criminal aspect? I have some knowledge but I'd like to give her outsider advice. My assumption would be that a theft
  9. Yes it is, thank you.
  10. I have been working to build my credit for the last months while mostly remaining anonymous on the boards, but now I need some serious help. My girlfriend of 8 months (20yo) is in a terrible situation. Last year, approximately in June, her & her sister and estranged mother as well as her mothers boy friend and school aged son moved into a lease house. In Novemeber 15 and then again in October 16 after a short reconciliation, mother forced my GF to move out for "Only paying 200$ of 300$ rent", she left at this point (not knowing her rights as a paying tenant in any house or situation).
  11. Welcome to CB! How long have you had the secured platinum? AFAIK, you can't PC until your card is unsecured. PC'd cards are not considered a new account (a few exceptions: Walmart store -> MC). Sorry I'm juggling two accounts on mobile and Pc for some reason. I've had it approximately 9 months, if I call cap 1 and ask them to unsecure it, will they? I don't think that Cap One will unsecure on request. A lot of people have never gotten their secured cards to unsecure and they could be years and years old, but some of the newer secured cards have unsecured. Hopefully your card
  12. Welcome to CB! How long have you had the secured platinum? AFAIK, you can't PC until your card is unsecured. PC'd cards are not considered a new account (a few exceptions: Walmart store -> MC). Sorry I'm juggling two accounts on mobile and Pc for some reason. I've had it approximately 9 months, if I call cap 1 and ask them to unsecure it, will they? I don't think that Cap One will unsecure on request. A lot of people have never gotten their secured cards to unsecure and they could be years and years old, but some of the newer secured cards have unsecured. Hopefully you
  13. Welcome to CB! How long have you had the secured platinum? AFAIK, you can't PC until your card is unsecured. PC'd cards are not considered a new account (a few exceptions: Walmart store -> MC). Sorry I'm juggling two accounts on mobile and Pc for some reason. I've had it approximately 9 months, if I call cap 1 and ask them to unsecure it, will they? I don't think that Cap One will unsecure on request. A lot of people have never gotten their secured cards to unsecure and they could be years and years old, but some of the newer secured cards have unsecured. Hopefully you
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