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bestideainc

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  1. BESIDES BANK OF AMERICA PRE-APPROVAL FOR CC https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx WHICH OTHER CREDIT CARDS OFFER THE SAME SYSTEM THANKS
  2. BESIDES BOA PRE-APPROVAL https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx WHICH OTHER CREDIT CARDS OFFERS AN PRE-APPROVAL SYSTEM LIKE BANK OF AMERICA. THANKS
  3. CHASE PLATINUM REWARDS CLI (SOFT OR HARD INQUIRY). I HAVE A 8K LIMIT WITH CHASE. I JUST HAVE IT FOR 6 MONTHS. I WANT TO KNOW IF THEY PULL A HARD OR A SOFT INQUIRY IF I ASK FOR A CLI. THANKS CB
  4. TU 2 INQUIRIES DELETED. ( ABOUT 5 WEEKS)2 PULLS PER DAY 5 MORE TO GO. I WILL KEEP U POSTED
  5. I called the banks of the home equity line , and they said that we will fix it for me but nothing happened. the banks are wamu and citibank.
  6. I HAVE 2 HOME EQUITY LINES, ONE FOR 100K, AND THE OTHER FOR 250K, IN TRANSUNION AND EQUIFAX IT SHOWS UP ON MY CREDIT REPORT AS MORTGAGES. BUT ON EXPERIAN IS secured revoling line. MY % OF CREDIT AVAILABLE WITH EXPERIAN IS 2 %. I called them to dispute to change it into a mortgage and they said NO. PLEASE HELP BECAUSE IN NEW YORK EXPERIAN IS THE MOST COMMON ONE. MY CREDIT SCORES ARE TRANSUNION 701 EQUIFAX 691 EXPERIAN 627 PLEASE HELP THANKS
  7. THEY SUCK. I CANCELLED ALL MY AMEX CARDS, AND NOW , I'M HAPPY
  8. Interesting OP....I am not surpised by the F/R with an 80K transfer..Question...how do you get the money to put in a high yield acct? I didnt think Amex did that? THEY SEND ME A SMALL CHECK BOOK, AND I WROTE CHECKS TO DIFFERENT CORPS THAT I HAVE.(WITH NO AMEX INFO ON THIS CORPS.) AFTER THAT I PUT THEM IN THE BANK. TOMORROW, I'M GOING TO GO BOA AND ASKED THEM THAT IF I PUT 4OK IN THEIR BANK, THEY COULD GIVE A 80 K LINE. A FRIEND O MINE HAS BEING DOING THIS FOR 3 YEARS AND HAS A LOT OF LOC BY DOING THAT , HE PUTS A COLLATERAL OF 50% AND THE BANKS GIVE THEM THE REST.NOW HE MILLIONS IN LOC. NOW , HE BUYS APARTMENT BUILDINGS IN NYC . I WILL LET YOU KNOW , WHAT HAPPENS TOMORROW
  9. I PAID ONLY 1 % TRANSFER FEE BECAUSE I NEGOTIATED DOWN WITH THEM. I CALLED THEM AGAIN TO SEE OF MY STATUS, AND THEY TOLD ME THAT IT WAS GOING TO REPORT ON MY CREDIT REPORT AS CLOSED BY CONSUMER WITH MY LIMITS, SO MY PERSONAL CREDIT SCORE I THINK WILL BE OK. I'M IN REAL ESTATE , I HAVE BEING DOING THIS FOR 8 YEARS, AND I BUY AND SELL HOUSES IN NY AREA, I BUY THE HOUSES CASH , AND THE WAY I HAVE BEING DOING IT IS WITH MY PERSONAL CREDIT CARD AND MY BUSINESS CREDIT.
  10. also wamu, they will give 50k with pg
  11. amex did it yesterday. they froze ALL MY ACCOUNT THEY WANTED ME TO SEND THEM A 4506 . AT LEAST I TRANSFER 50K FROM MY PERSONAL CREDIT IN TO MY BUSINESS CREDIT, SO IT DOESN'T SHOW UP ON MY PERSONAL REPORT. IN THE PAST 2 YEARS I HAVE PAID AMEX MORE THAN 200K IN ALL MY CREDIT CARDS. AFTER THEY TOLD ME TO SEND THEN A 4506 I BASICALLY SAID TO THEM TO CLOSE ALL MY ACCOUNTS. I GOT BOA AMEX, 40K LIMIT, THE BEST 0% UNTIL NOV 2008
  12. AFTER READING ABOUT AMERICAN EXPRESS DECREASING THE LINE OF CREDIT ON BASICALLY EVERYONE. I MADE CHANGES TO IT. I HAVE A AMERICAN EXPRESS PLATINUM BUSINESS CREDIT CARD, ( THIS CARD YOU CAN PAY OVER TIME). I TRANSFER ALL MY LIMITS FROM PERSONAL CREDIT TO THE BUSINESS CREDIT. ( AROUND 80K) BLUE 30K, NYC BLACK 32K, BLUE 17K AFTER THAT, I DID A BALANCE TRANSFER (AMEX BUSINESS GAVE 4.99 % FOR THE LIFE OF THE TRANSFER, 80K. I PUT THE MONEY IN A HIGH MONEY MARKET ACCOUNT WITH 5.05 % YIELD, SO MY AMERICAN EXPRESS LINE IS FULL. AND NOW , THEY CAN'T LOWER MY LIMIT BECAUSE I MAX IT OUT. ALSO , BECAUSE IT IS IN MY CORP NAME, IT DOESN'T SHOW UP ON MY PERSONAL CREDIT REPORT. NOW , ON MY PERSONAL CREDIT I LOWER 80K ON LIMIT, BUT AT LEAST I HAVE THE MONEY SAFE IN MY BANK AND I COULD USE WHEN EVER I WANT. BUT IT GETS BETTER. A DAY LATER I CALLED AMEX , AND I TOLD THEM THAT I WANT AN INCREASE IN MY PERSONAL CREDIT CARD. I HAVE BLUE, BLUE CASH , NYC BLACK, AND I GOT IN INCREASE ON ALL OF THEM OF AROUND 50 K. NOW, I HAVE MY ORIGINAL LIMIT LINE IN A MONEY MARKET ACCOUNT, AND MY % IN MY PERSONAL CREDIT WITH AMEX ONLY LOWER BY 40 %. SO MY PERSONAL CREDIT SCORE WILL NOT LOWER THAT MUCH SO IF AMEX DECIDE TO DECREASE MY LINE , AT LEAST I HAVE THE MONEY IN MY BANK.
  13. DOLA >>>. EQUIFAX HAD ON REPORT , THE DATE OF LAST ACITIVITY ON A PAID CHARGE OFF 05/04 AND THE "DATE REPORTED" WAS 4/2007.MY TRANSUNION SHOWS, 8/03 AS DOLA . i SPOKE WITH THE CREDIT BUREAU AND THEY TOLD ME THAT WHAT MATTERS IS THE DATE OF LAST ACTIVITY DATE AND NOT THE DATE REPORTED. ANYWAY . THE DATE OF LAST ACTIVITY SHOULD HAVE BEING 08/03 AND NOT 05/04 AND I REQUESTED A DELETION. WHAT EQUIFAX DID WAS UPDATED THE DATE REPORTED AS 9/07 AND MY CREDIT SCORE DROP FROM 667 TO 623. I CALLED THE BUREAU AND THEY SAID THAT THE DATE REPORTED MEANS NOTHING, ONLY THE DOLA DATE IS WHAT MATTERS. CAN ANYONE HELP TO SEE WHAT I CAN DO ? THANKS ALOT
  14. I APPLIED FOR A BUSINESS CREDIT CARD , THEY PULLED TRANSUNION *694 SCORE. THEY APPROVED ME FOR 30K . IT DOESN'T SHOW UP ON MY PERSONAL CREDIT REPORT. MY CORP HAS BEING STABLISHED FOR 3 YEARS, BUT I HAVE NO D&B REPORT, NOR EXPERIAN BIZ SCORE. THEY ONLY USE MY PERSONAL CREDIT TO MAKE THE DECISION
  15. I GOT THIS ON MY DUN & BRADSTREET REPORT. WHAT IS THIS MEAN? THANKS IRREGULAR PACKET RETURN CODE :PACKET/CODE =29/26 IRREGULAR PACKET RETURN CODE :PACKET/CODE 79/34 IRREGULAR PACKET RETURN CODE :PACKET/CODE EO.10 HELP, THANKS

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