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Everything posted by entrepreneur83

  1. Credit Lock only freezes/un-freezes TU, correct? I was thinking of trying LifeLock as a quick way to freeze/un-freeze all 3 reports but I haven't read many positives about them.
  2. I have the same question. I have a feeling it would be a HP. Apparently the UWs are very finicky about length of time in business so if you call in beware.
  3. Speaking of which, does anyone know of an offer available for Amex Biz Plat? I'm doing an app spree tomorrow (first in 6+ yrs) and the only Amex charge card offer I can find is the standard Biz Gold.
  4. YOUR CREDIT LINE INCREASE OF $7,000 IS COMPLETE First time requesting a Discover CLI... Original CL $8,200 New CL $15,200 + $7,000 Had balance of $763 at time of CLI w/ overall CC util of 1.8%. Seemed to match my highest limit of $15k, and now my highest CL (by $200)!
  5. Thanks re: the $25,000. As for the JetBlue card and PRG, if you don't think I'm risking rejection by applying for them before I've even finished one billing cycle with my new AmEx Delta (?), I'll apply for both. When applying for the twofer, it's charge, then revolver? I thought others have said the opposite, but it's hard to keep all of this straight. Thanks again very much. I guess I've read it both ways myself but have always done charger first then revolver. The reason I was suggesting it this way was since you just opened a recent revolver. There's enough time since the last app that it shouldn't matter either way. What COULD happen though is you might get an instant approval for the PRG then the revolver could go to pending status for 3-5 days. If this happens you may want to call and cancel the pending app to avoid another hard pull. I'm about to try the Amex 2-for-1 special, and I thought I'd read all the threads about it but this is the first time I've seen a recommendation to do the charge card first and then the revolver. What's the theory behind this? Asking b/c I really want the revolver (Delta Biz Reserve) so I was planning on apping for it first. The biz charger is just to get the 75k MR points.
  6. S1403STL20FST Only works on individual reports. Takes $4.00 off $19.95 report to make it $15.95 per report. Unknown expiration.
  7. I would prefer another charge card...forces me to pay it off each month!!
  8. I currently have an Amex Zync and would like to convert to a Platinum card. Does a PC mean they will convert without a hard or soft pull?
  9. I've had a US Bank Platinum card for a long time, just wondering if anyone has had experience in doing a PC to another US Bank card (like the Cash + or FlexPerks) without US Bank pulling a hard. I do use this card pretty frequently as it's handy to do a transfer from my US Bank checking accounts before statements cut.
  10. Thanks for your responses, all very informative. 1 other utilization question while we're on the subject. I have an AmEx Charge Card that I use quite frequently and obviously PIF every month. Since it doesn't show a credit limit but does report my balance when the statement cuts, does the charge card balance figure into my utilization %?? Thanks.
  11. Pretty simple question - I am trying to get a card out of "maxed out" territory but I've never really seen any hard proof of what CC companies / scorers consider to be "maxed out"? Is it 90% (that's the only number I've ever heard)? Is there a big gain when you get under 50% utilization? I know that they should be >30% (some say >20%, >25%) for the best possible score. Thanks!
  12. Just to clarify I have the ExxonMobil Mastercard, I know there are several ExxonMobil cards out there.
  13. Just got a surprising letter in the mail that my Citi ExxonMobil Mastercard, which I use frequently, is being closed due to a discontinuation of Citi's relationship with ExxonMobil! They said the account would be closed and I can pay the balance down according to current terms. Several times they noted it was nothing to do with my credit score. Does anyone know if I can convert this card to another Citi credit product without a hard pull? Any help would be appreciated!!
  14. The clock doesn't start with the 1st late (in my case Aug 2005)?? I was thinking that this August they would all disappear since it would be 7 years since the 1st late.
  15. So I've been working on my credit with the help of CB for about 6 years now and I only have 1 negative tradeline left. As much as I've read about SOLs (I'm in KY), I still can't decide if its time to dispute this tradeline as past SOL or just let it age a little while longer and hope it falls off. The lates on the account fall off 1 or 2 at a time every month. So here's the deal. It's a MBNA turned BOA card. I paid the balance off in full (Aug 2006). I just pulled my report 3 days ago and this is what is shows: Status as of Aug, 2006 Balance $0.00 "Paid or paying as agreed" Date opened Jun, 2002 Date of last activity Aug, 2006 Date closed Oct, 2005 30 days late 0 times 60 days late 0 times 90+ days late 12 times (Jul 2006, Jun 2006, May 2006, Apr 2006, Mar 2006, Feb 2006, Jan 2006, Dec 2005, Nov 2005, Oct 2005, Sep 2005, Aug 2005) My understanding is that the entire tradeline should fall off 7 years from the date of first delinquency. But remember I paid the balance off in full Aug 2006. SO, I'm trying to decide whether to just let it go and hopefully disappears this August 2012 OR dispute is as past SOL now. Your advise/help is greatly appreaciated!!
  16. I'd like to convert my Amex Zync that I've had for about 2 years to a Platinum but I was wondering if Amex would do a hard or soft pull, or no pull at all, when I called to ask to convert? I didn't know if there are different credit standards for the Zync vs. the Plat card. Thanks for your help!!
  17. Wow, so it looks like I'm going to be living with this TL for a while. Tried a Jack Attack, but EX said it's already been disputed. Waiting for TU and EQ. Guess I could try a goodwill too...
  18. So I'm trying to get the last baddie off my report. I'd like to dispute it as obsolete but I can't figure out when the 7-year reporting period ends. It's a MBNA CC turned BOA that went delenquent in 5/2004 and was then closed by MBNA/BOA in 10/2005. I paid it in full after it was closed in 8/2006. Can anyone tell me when it should fall off? It's not listed on any of my reports!!
  19. Have to answer my own question here for the record: Couldn't take the suspense and called the Credit Ops Dept and spoke with a live person. She said my app was still pending and placed me on hold while she revieved my app. Came back with questions about my 2 baddies on my TU and I answered them to her apparent satisfaction as she said she would be submitting my app for approval with a $5,000 CL pending some type of verification. This concludes my mini-spree today which, in addition to the above, includes a $25k auto loan approval at 6.5% and a Exxon/Mobil Citi MC with a $6k limit. Thanks CB as I could not have done this today without this valuable resource!!!
  20. I just called the automated line to check on the status and their response was "your application has been received and you will be notified of our decision in writing within 2 weeks". I hope this = pending. Does anyone know?
  21. Beware... http://creditboards.com/forums/index.php?showtopic=302415
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