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  1. EnchantMe


  2. EnchantMe

    Ally Financial

  3. EnchantMe

    PENFED and Car Purchase

    Per what I was told at my dealership just a few days ago, 2 people can be on the loan and the car only titled to one of them. However, it cannot work the other way (one person on the loan and titled to two).
  4. EnchantMe

    Why can't I get a CLI at Home Depot or Best Buy?

    I'm in the same boat, I'll never understand them. BTW, do you have the number to the BB employee number? The search engine isn't working for me...
  5. EnchantMe

    WOO HOO! Nordictrack is reporting!

    Do you have the contact number for Arvest Bank?
  6. EnchantMe

    Macy's CLI

    Called to get a CLI on my Macy's card with a HUGE $100 CL... CSR said, it won't let me send a CL through. I responded with, "Well it's pretty pointless to have this card. I'm going to be doing holiday shopping and this won't even cover one bill... I can just go across the mall to Dillard's where I have a $1000 CL and buy nearly the same things, and be able to put it all on the same card." He said, "Well then, let me transfer you to a supervisor who can give you a nice CLI then..." I'm sitting here thinking, "yeah right, he just doesn't want to deal with me." He came back on the line and said "Well, I increased your CL, but I could only increase it to $400 because I looked at your credit and you have a lot of credit cards..." $400 is better than $100 I guess... at least when I go to buy DD's christmas dress, it won't be maxed out with the one purchase! And I DO have a lot of cards, but I've never been late on ANY of them. It was an amusing experience...
  7. EnchantMe

    JC Penny and Dillards

    I got the six digit number online, and was still denied. Applied a few weeks later in store and was approved.
  8. EnchantMe

    Home Depot Pre-Approval, for real

    I got one a while ago. "preapproved for $500." Accepted online and got the $500.
  9. EnchantMe


    Went into Dillard's and applied for their card 2 days ago. I applied a few months ago online, but was denied. The decision printed out of the register, and she's looking at it, and I'm standing there thinking "Oh well, this is a big no... AGAIN." And she says "The application came up as 'precessing delayed' let me call them." So she called, verified my address with them, and gave me the thimbs up a few moments later as she was still talking to them. Came back approved! They didn't tell the the spending limit. I asked what their minimum was, and she said she'd never seen anything below $1000, so it's probably somewhere in the $1000 to $1200 range. Well I had been looking at bags and wallets, and I didn't want to shop blindly, plus I was positive it was probably only around a $200-$300 limit, I've never gotten instant over $500, so she called to find out the limit for me.... $1000!!! Non Amex, but I"m ok with that! Happened to go to Lowe's yesterday and was approved in store for $500. GEMB has seemed to like me once I"ve gotten in with them... of course, when I have low inquiries on my report. TU is who GEMB pulls for me all the time... TC FAKO of 583, no baddies on TU, roughly 5 inquiries when I applied.
  10. EnchantMe

    Save up to $900 a year on gas

    Or if you have a Giant Eagle near you, you get .20 off per gallon for every $50 you spend. (They're fuel perks have been doubled for quite a while now.) Their prices around here before the discount are 2.17-2.28, depending on the location within the city.
  11. EnchantMe

    More ways for Softs on EQ

    Ikea American Eagle Old Navy / Gap / Banana Republic Meijer PayPal Exxon/Mobil FUNancing card (for motorcycle and accessory financing, I believe) Carecredit? (not sure about this one)
  12. EnchantMe

    More ways for Softs on EQ

    On 8/22 my hard copy and TC copy had 36 inqs on TU. Today, 9/1, I'm down to 27... but I get a lot of pulls from GEMB (I have 6 GEMB cards...), plus I pull TC daily (minus maybe 3 days I didn't get to) and Identity Guard pulls daily. I've read elsewhere that IG only pulls once every 3 months, but I get alerts, so maybe that's why they pull daily. I only have that one until my free subscription runs out. (There was some info stolen from a government office computer in my town, so they gave it free to everyone who was in their computers for 6 months to a year, can't remember which). I've been losing an inquiry a day for about the past 5 days. Still nothing on EQ.
  13. EnchantMe

    Got this werid eMail from "Paypal"

    I forwarded it. They responded within a few hours. Definitely not legit. I had a feeling the zip would contain a virus, so I never opened it. It's worrisome sometimes, because I had someone "steal" my eBay account at one point. I've since then made passowrds much harder, but still...
  14. Subject:YOUR ACCOUNT (LIMITED ACCESS TT-XXX-XXX-XXX) Dear PayPal customer! As part of our security measures, we regularly screen activity in the PayPal system. We recently contacted you after noticing an issue on your account.We requested information from you for the following reason: We recently received a report of credit card use associated with this account. As a precaution, we have limited access to your PayPal account in order to protect against future unauthorized transactions.You can check your transaction details in attachment. Case ID Number: TT-XXX-XXX-XXX If, after reviewing your transaction information, you seek further clarification regarding your account access, please contact PayPal by visiting the Help Center and clicking "Contact Us". We thank you for your prompt attention to this matter. Please understand that this is a security measure intended to help protect you and your account. We apologize for any inconvenience. Sincerely, PayPal Account Review Department It's addressed to someone else's eMail, not mine (I guess I'd be under the cc: ) from service@paypal.com. It has a zip file attached to it, but I smell something fishy. Thoughts?
  15. EnchantMe

    CA gone!

    A CA from RJM Acquisitions for some book clubs popped up on my reports recently. I immediately sent of DV letters (I actually did the 1-2 punch, but the account was taken off my report by the DV alone, I believe) and the account came off within 2 weeks. Thanks for all the useful info!!! This board has really helped! Not only in this matter, but in my credit understanding as a whole.

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