Jump to content

yummysbakery

Members
  • Content count

    54
  • Joined

  • Last visited

Recent Profile Visitors

134 profile views
  1. yummysbakery

    Ax credit limit decrease

    As an update Ax restored my cl yesterday after receiving verification on my income. Not happy with having to jump thru their hoops but it's their card their rules so for now I'll keep the card open and see what happens when I request a cli. Sent from my 2PQ93 using Tapatalk
  2. yummysbakery

    Ax credit limit decrease

    Actually I have both lol. Old school company with no direct deposit. Paper check issued biweekly with computer print out of deductions. So it was no problem to email a photo of them. Sent from my 2PQ93 using Tapatalk
  3. yummysbakery

    Ax credit limit decrease

    There was one but I threw it in the drawer and forgot about it. Sent from my 2PQ93 using Tapatalk
  4. yummysbakery

    Ax credit limit decrease

    In hind sight you are probably right but I was saving this to use this Jan for an around the world cruise so I could benefit from the perks. Now since the annual fee will start in november if they don't raise it back I'll probably just cancel it. I did submit my pay stub today now I just wait and see. Sent from my 2PQ93 using Tapatalk
  5. yummysbakery

    Ax credit limit decrease

    Maybe bother wasn't the right word. The fact that they decreased the cli without any reason other than they can doesn't sit right with me. I just want a justification. How hard is it to say you are not using the card, we are concerned about too much exposure, etc. The fact is nothing has changed since I opened the card not my spending habits not my income not my utilization. Well there has been one change my credit scores have increased due to my accounts aging. Sent from my 2PQ93 using Tapatalk
  6. yummysbakery

    American express

    No I haven't opened anything nor even requested any cli. Sent from my 2PQ93 using Tapatalk
  7. yummysbakery

    Ax credit limit decrease

    So I just received an email from ax stating they decreased my delta ax card from 10000 to 5000. This card has only been opened 6 months and never used. I have two other ax cards since 1993 which I use heavily and pay off or down to less than 1% every month. Called the number and they read a scripted message and then asked for proof of income I.e.paystub not an irs form and only then would they reconsider. Shaking my head here deciding if I'm going to bother with it. Won't hurt my utilization any but wish they would just give a justification for their action! Sent from my 2PQ93 using Tapatalk
  8. yummysbakery

    Laugh of the night

    So I receive an email from credit.com that tells me my updated report is ready and they see a paid off account. So I sign in and I get "your credit report is frozen please check back when it is unfrozen." So....how do they know I recently paid off an account if my report is frozen and has been frozen for months? Lol Sent from my 2PQ93 using Tapatalk
  9. yummysbakery

    Cap1 cli

    Just went to cap one to hit the cli button and there were questions I really don't know how to answer. 1. How much do you spend monthly on your credit cards combined and 2. How much will you spend on this card? OK so the first one is straight forward although it varies monthly but the second question is 0 usually. So are they going to look at this and decline because I don't use the card much thereby stating I haven't used the credit limit I already have? (15K) I've seen question 1 before but haven't seen question 2. Sent from my 2PQ93 using Tapatalk
  10. yummysbakery

    Frozen reports

    Do you have to unfreeze reports to get cli? I thought all creditors had access even if they were frozen? I hit love buttons for Nfcu and ax and both were declined stating they did not have access to my reports. Sent from my 2PQ93 using Tapatalk
  11. They have a remote capture deposit system that is light years better than the competition. Once you are credit qualified they will generally not place any holds on checks you deposit via their app up to $100,000 per day. Most other places have monthly limits 1/10th of USAA's daily limit. This Sent from my 2PQ93 using Tapatalk
  12. yummysbakery

    Equifax credit pullers only Thread!!!

    Yes I know this! But thank you for the info. Sent from my 2PQ93 using Tapatalk
  13. yummysbakery

    Equifax credit pullers only Thread!!!

    As in a real cu? Are funds secure? Is it a hassle to use? I don't need another membership in a credit union and have no need for them really however my son wants me to cosign on an auto loan and although I've seen them referenced on this board I've never looked at them until now. Sent from my 2PQ93 using Tapatalk
  14. yummysbakery

    Equifax credit pullers only Thread!!!

    Is dcu really legit and do you recommend for auto loans? Sent from my 2PQ93 using Tapatalk
  15. yummysbakery

    Midland fdcpa violations.

    It's a 250 mile drive to the other county which means a whole day wasted ...hmmm Sent from my 2PQ93 using Tapatalk you can use the PHONE and TALK to the Clerk of courts there and ask them to send you everything via USPS just have to pay over the phone with a debit card. I did order yesterday a copy of the entire file. I am also aware that Midland is notorious for filing in the wrong jurisdiction which is why I am contemplating filing in federal court against them. That being said, it's December the busiest month of the year for my business and also the month where I work a minimum of 70 hours a week so yes taking an entire day out of my schedule is not an easy decision. Thanks for the advice. I'll keep you updated. Sent from my 2PQ93 using Tapatalk

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines