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  1. I'm always dubious of claims that there were no written communications from a creditor regarding significant changes to an account, and while I've had my share of head-shaking phone calls with "customer service" reps across many industries, follow-up and/or escalation calls usually yield some level of resolution (even if the customer disagrees). From the outside looking in, I get the impression that YF is so laser-beam focused on their belief that they should be permitted to continue making payments at 0% that they've let that belief cloud their entire handling and understanding of
  2. If I understand YF's situation from your description, other than the one 90-day late prior to the agreement all subsequent payments are reported as on-time? If that's the case and their other accounts are all current I agree they need to find a way to at least keep up with the payments under the 26% APR as hdporter suggested, and I would additionally suggest they try to find a way to accelerate paying down the debt such as a part-time job. The longer payments continue to reported as current, the older and less impactful that 90-day late will become and eventually should
  3. Since states began using digital signature capture I can't remember the last time I saw a signature on a driver's license that was a reasonable facsimile of an ink signature. 🤣
  4. Same here, big notice on my October statement explaining exactly how the closing date was changing and how to calculate the date each month. Good reminder that electing paperless documents makes it easy to miss important notices and changes like this and necessitates diligence to avoid these kind of situations.
  5. I look forward to the day that all retailers just stop accepting checks. I've written one paper check in the past two years, and that was for first month's rent and security at a new apartment. The last one before that was for a loan I made to my sister and brother-in-law. I'd bet I've written less than a dozen checks in the past 10 years. I'm not a fan of bank fees, but if banks start charging something absurd like $5.00 for each paper check someone writes, people will quickly adapt to modern times.
  6. FWIW (and sort of back on topic) I had an online order from Walmart canceled the other day with no other explanation in the email other than a payment problem. After about a 5 minute phone call they said that the phone number on my order didn't match the phone number on my credit card account and that's why the decline. Updated my phone number and order went through just fine. So, seems like in addition to validating all the other billing info, phone number matching is also taking place (at least for phone & online orders) and can cause an order to fail if there's a discrepancy.
  7. Well first login to your account and see if there are any pre-approvals under the offers tab. Even if there's not, being a full member and based on what you show in your sig, I think it might be worth a shot even though your EQ is your worst score.
  8. It's funny to hear banks bellyache about all the costs of doing business. Perhaps instead of complaining they should just find another business. I'm tired of banks trying to justify their greed with BS excuses. Why not just say "we want to make as much money as possible, so this is what you'll pay to do business with us" instead of making up these sorry sounding tales of woe that your poor poor bank just can't afford to stay open without charging you to walk through the door? For countless YEARS, before electronic everything and even ATM's, these charges didn't exist. Then when ATM's c
  9. Anubis


    I actually had to re-program my brain to wait until morning since I found that a lot of times the batch updates on most tradelines seemed to occur overnight in the area of 3a-5a eastern time. Waiting until my first cup of coffee makes me "feel" as if I always have the most current info going into that day.
  10. I can't speak with any experience regarding NASA specifically, but a pre-approval at 6.9% is likely at their top-tier and eligible for their highest rates.
  11. Anubis


    RGB that was it, I just refreshed and it updated. Scores are still off, but it's good to see some activity. How often can I refresh? Thanks RGB for the tip! Ignore the CCMP FAKO scores. They're for entertainment only, and really not that entertaining. As far as not being impressed, to be able to find a true daily puller for such a low price is quite impressive actually!
  12. I'm shocked they would be generating a paper check for the BT's in this day and age. Every BT I've done in the past couple of years has been processed electronically -- the sending banks only asked for the account numbers and name on the accounts, never addresses or anything else. If they were sent via paper check, they should be able to supply you with digital images of the checks once they've been paid. As others have mentioned, if you're close to your due dates, don't rely on the BT's and make your own payments.
  13. I haven't checked in a while, but last I heard without attaching your checking account to PayPal they put a monthly spending limit on your account.
  14. Sounds like you're trying to be Bob Wang, but are just shotgunning all these CU's and credit apps and then taking rejections personally. My suggestion would be to lie low for a while.
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