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Dennis007

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About Dennis007

  • Birthday 06/06/1977

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  • ICQ
    10786134

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  • Location
    Wallingford, CT

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  1. Dennis007

    Experian email alert, but timing seems odd

    I do recall seeing a comment on my report during the hurricane time period referencing something like Affected by natural disaster. So that's probably why this took so long to update.
  2. I received an email alert from Experian for a decrease in credit line, I logged into Experian's site and see it is related to a Citi account ($9900 down t o$500). Looking back at my records about 3-4mos ago I contacted Citi to move CL from one card to another and at the same time asked for a CL increase on another account. Why was there such a long delay for this change to report, when the increase to the other accounts was almost instantaneous?
  3. Dennis007

    So what did you get in the mail today?

    Opt-in enrollment offer for 20K Hilton points if I spend $2K on my Amex Ascend card by 12/25/18, so basically I'm getting 20K HH points since this would happen anyway
  4. I did not think it was possible to have 'too good of credit'. I would like to think my income is on the strong side and I generally do keep a reserve of cash for emergencies. So this is why many say Discover is subprime,
  5. The 'luv' button seems to be broken for me, I always get the "not sufficient experience with current credit line" denial of a CLI. Not sure what I'm doing wrong.
  6. Dennis007

    Does this exist?

    Are you looking for cash back or other rewards or not? Do you have any Exxon/Mobil stations around https://www.exxon.com/en/smart-card although it is primarily a gas card it does allow non-gas purchases at their locations. Valero would be another option, fuel only, https://www.valero.com/en-us/ProductsAndServices/Consumers/ConsumerCreditCards
  7. Update AMEX HH Ascend $52K Chase CSR $50K Chase Freedom Unlimited $29K My Wife AMEX $45K Disc $35.1K Disc $34.8k Still working on the combining of the Disc. accounts.
  8. So I heard back from AMEX today and was approved the full credit limit I requested of $52K
  9. Dennis007

    SUB terms, how to find them?

    I thought I kept the AMEX email about the SUB etc... Oh, I did get the points I was expecting, no issue there. At the time I signed up in June there was another bonus for keeping the account for one yr and receiving a free weekend night on the anniversary of the card opening. I'm slightly confused on this one, because outside of the SUB they have another tally they keep, spend $15,000 in a yr on the card and earn a free weekend night, which seems to be a feature of the card. So I'm wondering since I will hit the $15,000 mark in a few weeks am I going to be getting two free weekend night stays? Which is why I need to find my SUB info. I'm going to scour my inbox and also check the travel blogs
  10. Dennis007

    SUB terms, how to find them?

    So I signed up for the AMEX Hilton Ascend card back in June. I forgot to keep a copy of the SUB for that time period. Does anyone know how to find that info that would have applied to my account when I app'd?
  11. Dennis007

    My Early Mortgage Repayment Thread

    Do all mortgage lenders Recast? where can I learn more about this?
  12. Dennis007

    My Early Mortgage Repayment Thread

    Any chance you can share a generic version of your spreadsheet that graphs the accelerated principal payment vs the standard amortization? I think it could be a useful tool for us.
  13. So I've done this before with an account my SO has. If I request a $50K CL and complete the 4056-T. IS it either they approve or deny, or will they offer an alternative increase if not for the full $50k? Does having a $50K CL from Chase help at all?
  14. Dennis007

    Citi update to remarks, dispute or not?

    So it seems like kinda a non-issue to worry about
  15. So I received an alert from a credit report monitoring service that the remarks for a Citi Account have been updated on my Equifax report. The remarks are "Remarks, Affected by natural disaster" This is not true I'm in CT, so do I worry about it and dispute or not? Thanks Dennis

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