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Scorpyo_Ice_27

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  1. I m enrolled in this and I have been paying $120 a month for a year towards it. I didn't sign up for it but now I need it. I wonder if I can qualify for it due to job loss or will they find a reason to still deny me debt relief. Seems I may have better luck asking for a refund of my fees instead. Has anyone actually gotten relief due to job loss through this program?
  2. muntjayoure right, I will go on with my original plan not to apply for another 6 to 12 months. Cashnocredit and Ukaserex I know These preapprovals aren't a guarantee of approval but they are tempting though. My face lights up at the sight of a preapproval letter, it makes me feel so upper class deanmartini I use my Amex card for rewards and love the benefits. I haven't used my citi card yet so I am not sure of the benefits. Thanks everyone for the responses
  3. Hi Guys & Gals! This is somewhat of a complex question that I am curious about, I hope this makes sense. Can the collection agency report a debt as a "paid collection" on your credit report if you paid the debt off with OC before it was ever listed on your credit report? Lets say I paid my OC the full balance of my past due account before it even hits my credit report but that account was already sent to a collection agency. So once the OC notifies the CA that the debt is paid in full can the collection agency still report my payment as a "paid collection" on my credit report if the debt was never listed on my credit report in the first place. Thanks!
  4. Hi Everyone! I applied for a BOA Cash Rewards Visa 2 weeks ago and was instantly denied and referred to the BOA secured. Well, now I am getting preapproval offers for the same card that I was denied for. Why is that happening? Could it be a system glitch or should I try to go for it. I really didn't want to apply for any more credit for at least a good 6 to 12 months but I am wondering if this is worth it? What do you all think? Thanks!
  5. Equifax was pulled for my app my score is 687 the reasons I have on the application were: Key factors that adversely affected your credit score: Your credit report shows a serious delinquency. No current lates on my reports but I have one old collection for $330 from 2011 Your credit report shows the proportion of loan balances to loan amounts is too high. (Student Loans) my current cc utilization rate is 2% Your credit report shows too many accounts were opened recently. I just opened a Navyfederal cash reward signature visa and saving and checking account Your credit report shows too many inquiries in the last 12 months. My last 4 cards and new accounts were opened within the last year when I began my credit repair journey I will try again and hopefully I get lucky like your buddy but if that doesn't work Ill just keep it but won't app anymore until another 6 to 9 months IMO, you shouldn't apply for anything else for "at least" 1 year. Plus, that CO will be gone by then. Work on CLI's in the mean time. CC's are considered "new" until they are 2 years old (25 months). Congrats on the Approval! Thank you for the advice. I will wait a good while before app'ing again i will do what you and beastkilla78 said and focus on cli
  6. Equifax was pulled for my app my score is 687 the reasons I have on the application were: Key factors that adversely affected your credit score: Your credit report shows a serious delinquency. No current lates on my reports but I have one old collection for $330 from 2011 Your credit report shows the proportion of loan balances to loan amounts is too high. (Student Loans) my current cc utilization rate is 2% Your credit report shows too many accounts were opened recently. I just opened a Navyfederal cash reward signature visa and saving and checking account Your credit report shows too many inquiries in the last 12 months. My last 4 cards and new accounts were opened within the last year when I began my credit repair journey I will try again and hopefully I get lucky like your buddy but if that doesn't work Ill just keep it but won't app anymore until another 6 to 9 months
  7. So I just called and they told me that they could not do it because it is automatically generated but I can call back once I receive the card in the mail and then call the number on the back to speak with a credit specialist and ask for an increase. so I will do that. Thanks
  8. Closing the card would be like punching yourself in the face because you are mad at Citi. I'd keep the card and try for credit limit increases. If nothing else, they usually give soft pull increases every six months. Well I am a little disappointed but I didn't think it was that serious. LOL! I will chill out
  9. Hi everyone This morning I apply for a Citi double cash card and got approved for a credit limit of $1,100 that sucks. So I am seriously thinking about cancelling the card because I'm not sure if it would do me any good to have it on my credit profile but before I do that do any of you think that I should ask for a Recon? I appreciate your responses
  10. RE-POST FROM PREVIOUS THREAD Navy League Membership Cancellation For anyone who joined the Navy League within the last 3 days to obtain membership with NFCU I would suggest you first call Navy Federal to confirm that they have indeed stop taking Navy League applications and then follow directions from the Navy League Website. No sense in losing the entire $25 over a membership that you cannot obtain. Hope this helps. Information directly on the Navy League Website. "Membership Cancellation by Participant Membership cancellations received within three days of initial submission may be eligible to receive a full refund less $10 service fee. Cancellations received after the stated deadline will not be eligible for a refund. Cancellations will be accepted via email to Member Services at membership@navyleague.org and must be received by the stated cancellation deadline. All benefits and incentives received by the registrant must be cancelled/returned to NLUS. All refund requests must be made by the member or credit card holder. Refund requests must include the name of the full name of the registrant and/or transaction number. Refunds will be credited back to the original credit card used for payment. These above policies apply to all NLUS memberships unless otherwise noted in the corresponding program materials. Please read all individual program information thoroughly."
  11. Navy League Membership Cancellation For anyone who joined the Navy League within the last 3 days to obtain membership with NFCU I would suggest you first call Navy Federal to confirm that they have indeed stop taking Navy League applications and then follow directions from the Navy League Website. No sense in losing the entire $25 over a membership that you cannot obtain. Hope this helps. Information directly on the Navy League Website. "Membership Cancellation by Participant Membership cancellations received within three days of initial submission may be eligible to receive a full refund less $10 service fee. Cancellations received after the stated deadline will not be eligible for a refund. Cancellations will be accepted via email to Member Services at membership@navyleague.org and must be received by the stated cancellation deadline. All benefits and incentives received by the registrant must be cancelled/returned to NLUS. All refund requests must be made by the member or credit card holder. Refund requests must include the name of the full name of the registrant and/or transaction number. Refunds will be credited back to the original credit card used for payment. These above policies apply to all NLUS memberships unless otherwise noted in the corresponding program materials. Please read all individual program information thoroughly."
  12. I don't really remember seeing as many NFCU members/qualified people complain about non qualified people gaining membership with USAA through nontraditional means like I have seen with NFCU. So I have no opinion on USAA. Why do you ask?
  13. My guess would be that Navy Federal may have come under fire from all of the whiny babies who complained because they felt like it was wrong for NFCU to grant membership to those who couldn't get in traditionally.

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