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  1. Now if the debt agencies would just offer the discount on the debt to the borrower/patient in the first place I bet there would be less need. But they don't, they sell it off at a discount to another agency and the cycle continues.
  2. I am not sure. I do know that I used the charge cards heavily before the recession. The only other two factors that I could mention where I would be different than anyone else trying to get back in were the fact that I do have a USAA AMEX that I use heavily, and that I often did the pre-approval about every six months to see if there was any change.
  3. All is good. I appreciate the help. I would have thought DCU would have noticed this and realized it was a bad deal for it's customers.
  4. Thank you for mentioning this. I did look at the DCU option. It is outsourced to ZimpleMoney.com. They don't report to CRA and then I noticed this little gotcha... Transaction Fees (the fee based on 2% of payment + $1) Min Fee: $ 3.99 Max Fee: $ 14.99 Wow!
  5. Bummer, I guess they often give you the old date on the card, just not on the credit report.
  6. WOO HOOO! Just got my card in the mail and It is backdated to 2007. I don't know how since I thought they were not backdating accounts anymore. But I don't care and I am a very happy camper. Now I just need to see if anything will show on credit report. I know my old closed accounts in good standing still show.
  7. Are there any sites for private lending between family or friends that report to the credit bureaus? My daughter just turned 18 and wants to buy one of our cars and we would like to be able to set this up as a formal loan that would report to the credit bureaus. We do not want to co-sign a loan for her, we want to help her build her credit profile. Many of the platforms out there that I can find would either want her to apply for a formal loan from the platform (lending tree/prosper) or will just facilitate a legal agreement and collection of payments, but does not report the loan to the credit bureaus. Any thoughts?
  8. If you combine two or more AMEX cards. How has that affected CLI's in the future on both the cards the limits were transferred from and the one the limit was transferred to. Are the cards that donate the limits now just dead at the remaining CL?
  9. I have been on the AMEX blacklist since the recession a decade ago. It was AMEX that began my downfall when they reduced my limits to a pittance and closed some of my other accounts. I know I still owe them for an unpaid judgement against me on one account from 10 years ago for about 4k, and a few other cards that they didn't sue me for. In fact every time I call the reps say that " Oh yes we see your old accounts here". Every six months or so I pop on to their pre-qualified site to see if I get any offers (wishful thinking). This time I decided that since I have paid off some more recent collections from 3 years ago and I pay all my new charges in full every month, maybe this would help me and they would be nice enough to show some love. There were no pre-qualified offers for me this time either. However, there was an odd message just afterwards that offered me 50k MR as a sign up bonus for an AMEX gold. I thought this was odd as they just shot me down and current offers were 35k points. So I decided to take the plunge and go through a formal application. I got to one point where it asked me to add additional cardholders and it automatically knew my wife once I typed her name. I added my daughter (18 next week) and it asked for her SSN and DOB, where it did not ask for my wife. Next it took a good minute or two and said I was flippin approved. Wow, I could not believe it. I know I owed them a bunch of money and they still let me back in. About 30 minutes after I applied I got an email saying "Welcome back" and listing the last digits of my new card number. If only I could be so lucky to get my original membership date back!!! I wonder if they recognized my behavior and payment patterns through the USAA AMEX that I use all the time? Regardless, I don't know what it was, I am back in now! All that is left is to convince CITI to let me back in and to grow my limits.
  10. If google pay had an ATM where I could do transactions if I needed cash or to deposit cash, I am not even sure I would need a bank. I often hold a balance in google pay without transferring it to my bank.
  11. From my experience if you find a home worth a market value of 200k, but you are fortunate enough to be able to get it for 100k, traditional lenders will still want you to put down a percentage of the "sales" price. Search for a lender that has an underwriter which has dealt with the "gifting" of equity before. A loan agent will tell you anything but the underwriter is what counts.
  12. Okay, checking in after a while. I see this has kept going and I will admit maybe it is just my setup. I can admit I could be wrong. But it just isn't working for me no matter how much I want it to. I Haven't had any problems with Google Pay at all so that is what I use now. I can even leave money sitting in google pay and not transfer it out to a bank account for a while, so it is like another bank account by itself. In fact someone was asking in the forums how they could have a bank account with a judgement as they were in fear of the account being attached, Google Pay may be a way for them to do that until they get their affairs in order. I still have my Zelle account with one bank so I can transact with others.
  13. I signed up for the EX product they offered. I want to see if I can get a new report every day like the EQ or once per month. I also want to see if they give you a full report or just update inquiries and new accounts.
  14. So I got a copy of my EWS (Early Warning Service) report because I wanted to know what was on it. mainly it was normal stuff, account open and close dates and for what reason, my ID number with them and DOB. I was shocked to see that an account from my credit union, Schools First, is having my ACH transactions reported for the past 30 days. I am extremely upset and I want to know why. All the transaction are ACH transactions for my one account, but it says the information is being reported by different banks, the ones that either receive or send the money to that one account. I have redacted the account info but it appears like this: Tran Type Date Account Number Amount Information Reported By: ACH 12/05/2018 xxxxxxxxxxxx07 $30.00 Schools First FCU ACH 11/26/2018 xxxxxxxxxxxx07 $40.00 JPMorgan Chase NE ACH 11/23/2018 xxxxxxxxxxxx07 $450.00 Schools First FCU ACH 11/20/2018 xxxxxxxxxxxx07 $1,764.45 Capital One 360 ACH 11/20/2018 xxxxxxxxxxxx07 $2,042.52 Wells Fargo Central Region ACH 11/19/2018 xxxxxxxxxxxx07 $1,300.00 USAA ACH 11/13/2018 xxxxxxxxxxxx07 $30.00 Wells Fargo Central Region I was so mad I couldn't see straight and I want to know why my transactions are being reported, why for only this one bank account and who is reporting it. Is it Schools First or the other banks? Does anyone know about this? I called EWS who referred me to Schools First. Schools first says that they didn't report any transactions. I just think the customer service people don't know about this as they kept stating that if I feel that my "credit report" is wrong I can dispute it with the CRA. They didn't understand that this was not credit but banking. So back to EWS I go and speak to a wonderful person there. She didn't have the answers that I was looking for but she was more that happy to try and get the answers and call me back or have her manager call me back. 15 minuted later I get a call back. So she mentions to me that they are reported by the member banks and it is because Schools First is not a member bank, and that is how it gets reported for non-member banks. I mention that I have other CU's and banks and those aren't reported. She responds that those other banks and CU's may be members. I can tell she isn't going to know the answers to my questions so I ask how much it will cost me to have another report next month so that I can monitor what is being reported. She says that there is no cost and to just call back and they will get me a report ordered. I did notice that she mentioned that this is how information is reported for NON-member banks, so I ask if there is information being reported from member banks that I am not seeing on my report. She says yes and that she can order me a comprehensive 7 year report that will show everything! I am thinking to myself, WooHoo! I don't know if I just got lucky or not but I am more than happy to take all the information you have with out having to pay a fee. So now I am waiting for the full report to come in the next couple days via email. She said it will most likely be 50 pages or more. I can't wait to get it now! One more note. I hate to say it but all three reps at EWS that I spoke to were incredibly pleasant and as helpful as they could be. I have called the call centers for banks and the other credit bureaus before and they are the worst. They don't know anything and they don't even try to get you an answer. Now I don't like what EWS does by collecting data, but their customer service people are great.

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