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BamaInvestor

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Everything posted by BamaInvestor

  1. Congrats on an awesome year! May 2015 be a prosperous one as well.
  2. Why not join both...everyone seems to forget USAA is a bank and NFCU is a credit union. Best of both worlds for servicemembers and family.
  3. as CV likes to say it's only one day earlier the first time. I'm a member at USAA and payday for me is always one day earlier than my peers and they have DD as well.
  4. If they can't access your report, they can't provide score. What would they have to calculate a score? Just saying... If your report is not frozen, disregard my opinion.
  5. A fraud alert is different from having your report frozen.
  6. Do you have Equifax frozen? That could be a reason why.
  7. Congrats!Did you add info to Creditpulls DB? Care to share your EX score? Other info? This is the next Amex I plan to app for, so am curious ... It doesn't seem to be discussed much around here. Not sure why. I did add it to the database. Ex: 702 from my mortgage pull 2 months ago. One other inq about 8 months ago. 1 settled collection that's 3.5 years old. 1 real CC that's almost 3 years old, 1 store CC 2 years and change. 4 installment loans, the oldest being 10 years. Btw, the limit was 3000. More than double my other card, and more than Chase gave me on the Freedom shortly after (2200), or Barclays on the rewards MC (1800). Anyone know if the 2 for 1 pull works with 2 revolvers? No. 2 for 1 is 1 charge, 1 revolver but YMMV...good luck on whatever you decide.
  8. Congrats on making the 100K club...if there is such a club, lol.
  9. -6 to 755 Just tracking for entertainment at this point.
  10. Just checked and it's gone. Wonder if it will be available after the conversion. I had to re-enroll to receive e-statements and presto it was back.
  11. Just checked and it's gone. Wonder if it will be available after the conversion.
  12. 761 (+11) More than one card w/balance and utilization @ 10%
  13. Yes you can app but will most likely result in a denial. You can call and get FA removed or update the FA with your contact information.
  14. 3-5 day message means it is under manual review. It will result in a HP. You can call or use secure messaging to inquire about status.
  15. At the frequency you're checking EX now, the time period is probably indefinite. I've been checking mine for the last 7 years using the backdoor with no problems. YMMV. A report # only lasts a few months for me, at best. But I am on EX's s**tlist. I used to be able to use a single report # for at least a couple of years. That is why I stated "probably indefinite". As for your report# changing, it will do that typically after a dispute and sometimes after a significant change in report...IME anyways from years of doing this...I'm not a noob or rookie to this game and I stand by my own experience. FYI, being on their s**list has its benefits...i.e., special handling. Use it to your benefit, not your detriment. Sorry if my reply sounds snarky but my knowledge base has been challenged WAY too often lately for my liking. I'm only trying to help those who are following our footsteps. It sure does. WTF? Maybe you should add what I posted to your knowledge base instead of imagining some sort of "challenge" and posting snarky replies. "I'm only trying to help those who are following our footsteps." I don't think snarky replies are the best way to do this. And that's all you got from my post? If so, you're as guilty as I am. It would be wise at this point to agree to disagree. Good luck to you.
  16. WM MC will be a 1% card across the board making it a useless card except for FICO TU08. The difference is that you have to pay membership fee to access Sams, no membership fee for WM. The Sams MC is designed for consumers to use more often than previous discover version. Too bad it doesn't really benefit using in Sams as rewards are 1% in-store...good for the gas though.
  17. At the frequency you're checking EX now, the time period is probably indefinite. I've been checking mine for the last 7 years using the backdoor with no problems. YMMV. A report # only lasts a few months for me, at best. But I am on EX's s**tlist. I used to be able to use a single report # for at least a couple of years. That is why I stated "probably indefinite". As for your report# changing, it will do that typically after a dispute and sometimes after a significant change in report...IME anyways from years of doing this...I'm not a noob or rookie to this game and I stand by my own experience. FYI, being on their s**list has its benefits...i.e., special handling. Use it to your benefit, not your detriment. Sorry if my reply sounds snarky but my knowledge base has been challenged WAY too often lately for my liking. I'm only trying to help those who are following our footsteps.
  18. Call me stuck on stupid but how does this topic relate to credit?
  19. At the frequency you're checking EX now, the time period is probably indefinite. I've been checking mine for the last 7 years using the backdoor with no problems.
  20. Congrats on the approval. If you didn't get the best rates, your score may be included with your T&C letter packet.

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