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Everything posted by tophie

  1. tophie


  2. tophie


  3. They would not delete mine until I filed a note to compel Arbitration and sent it CMRR. I told them they had 30 days from the receipt of my letter to delete. It has been gone for a long time now.
  4. I thought *B was still surviving in one or two states? That poor outlaw *B.
  5. Still open, got an auto increase last month. I noticed last week that it says on the card, member since 07. Definitely didn't have a card in 07, but I'm not saying a word.
  6. Cause TU has the highest Fico score. I like to keep Experian on ice. I had to unlock for Amex. The last Amex card I got I was able to persuade them to pull TU but no luck this time.
  7. I got my bankruptcy deleted from all three credit reports. My LLC is 6 years old now. I have 1% debt to credit utilization. I have close to $900k in available credit, but its all on the personal side. I applied for the Amex Delta Business Card tonight and got approved for $25k. I also just got the Southwest Chase Card, but it was personal and they only gave me $25k. I want to add one more but I want to apply for one that preferably pulls Transunion or Equifax. I'm doing the PG as I don't mind. My Fico on TU is 809. Equifax is 787. Experian is 786. I'm wanting a card that will report only on business credit and not personal. Any suggestions?
  8. Write back to Equifax, Certified Mail, Return Receipt requested and ask them to tell you how they verified your information. Ask them to provide you with as much detail as possible. There is a thread on here some where about how to get a bankruptcy deleted and it really does work. They can't really verify the bankruptcy because they don't have the social security number. The court won't release that to anyone. So if the address is completely different, just dispute it as not accurate. If it is the same address then I'd consider getting a ups box, a new drivers license, updating all cards and accounts to the new address, wait six weeks then dispute again but if you go this route make sure you get the new address on your credit report and get the old address off.
  9. When is the last time you paid the account? When you make a payment, it restarts the clock all over again. The first thing I'd advise you to do is maintain silence. Do not provide citi bank with any information and do not contact them for any reason. There is an Arbitration clause in your citi-bank contract. Read it. If they try to sue you, I'd invoke Arbitration. That's another can of worms. Some are for it, some are against it. I've used it to my advantage many times in Oklahoma. Arbitration costs them a fortune and the likely hood of them collecting is usually slim to none and they know this. Sometimes you will get a stubborn person who works for the company that wants to prove a point, but in the end they are going to lose money unless they get paid. Is BK7 an option? It's not the end of the world. Its a whole new start. The SOL in Oklahoma is 5 years as you said. Its not a sticky situation at all. I believe it is 5 years from the date you go 180 days past due. I would confirm that it has indeed 5 years and allow a little bit of extra room. If they try to come after you via suit, then consider your options. Validate the debt, dispute the debt, counter suit, arbitration, or pay for delete ie a settlement.
  10. I am a guy. I married a guy. I took his last name. I changed the address on my drivers license and changed all trade lines to the new address. I also got a new social security card and a new pass port. I changed my name on all credit cards, bank accounts, vehicle loans etc. I got a UPS box and used this address on my license. I then used the new info and after the new trade lines were reporting along with the new name, I got the old name deleted and the old addresses. I then sent in a dispute on the bankruptcy and it was deleted from all 3.
  11. No idea if *B for T will ever work again. Haven't seen anything on weather we are on the *c block forever or if it will pass with time or if we need to stop for a while but I did look at this from a brighter perspective... it means we get to grow the garden for a little bit, maybe up to 2 years and that means amazing things ha. I haven't tried for anything else since *r, figured its a waste atm with all the inqs.
  12. This is a good card to have. I think I started with a $7400 limit and that was about a year ago and its now sitting at $75k even. I've reached Maximum internal limits with Chase. . . They pulled TU for me.. I have Equifax and Experian on Ice. I think TU is about to go on Ice for about 65 days. If you have good income, good scores, low debt to income ratio, your chances of getting this card are even better. Its not a good card to carry a balance on because the interest is high. Once you spend more than $25,000 in a year they give you additional miles. And the annual fee was waived for the first year.
  13. I've still been *b for the last week since this has happened and I get the inquiries down from 22 to 19 every day, then login the next day and they are back. I know TU does this once a year but I've never seen them do it to where they come right back the next day. I've been taking screen shots and comparing daily. It hasn't really affected FICO that I see. I guess time will tell if *b is dead. We always have Equifax lol.
  14. tophie

    Amex 4506T

    Got the screen shot done, but where do I host it at?
  15. hey, talking to under writing drunk can be fun. Especially if you get one that is having a bad day and you can make them laugh just a little bit... then they let out a big *sigh* I need a drink... then start giving them ideas for when they get home, ask what their favorite drink is, etc. It's a fact that people spend more money when they are drunk... also a fact that they usually don't have buyers remorse either... just a head ache the next morning.
  16. tophie

    Amex 4506T

    and yes, I'll post screen shots soon just to say "I told you so".
  17. tophie

    Amex 4506T

    Now my next step... get added on to a relative that has had Amex for 30 years... then try to back date it after enough time has passed.
  18. tophie

    Amex 4506T

    Financial review was completed today. Card is back open and credit limit was raised. I called them back at 5:30 CT... they were already closed (that dept) but I did speak with a rep who read the notes and said they were calling to tell them they received the transcripts, the account has been restored, the limit has been increased and thank you for your patience during this review. They called me on a Saturday, so i think that's pretty cool. Also signed up for C$ today. I kept signing up while the acct was in canceled status and i'm pretty sure it was doing SP's... but then after a few hours I'd get an e-mail telling me C$ was canceled because they could not bill the card... but I had already seen a new report for each one of those days so I'm hoping it counted.
  19. If its an ex, move on with life and forget about it. No sense in trying to force the person back into your life over money. Be the bigger person, no matter how bad they hut you, how miserable you are etc. You can always make more money and I'd say learn from this. No contract, no suit. It's that simple.
  20. I asked a few months ago about advise on call centers as I was looking to hire one. I found out that the call center I chose reports to DNB. Using a call center was much cheaper than hiring an employee to answer the phones. My average bill is running about $375.00 to $590.00 a month. Calls are .59 cents each then a per minute rate after I've met their tariff. Just thought I'd throw this out there for the people looking to establish more trades on DNB.
  21. BR is right all the way around. Why would you want to create 45k with $10k? That's debt that you'll have to pay back. $10k isn't much at all for a business. On the personal side $10k is a lot. I'll also add, I met a guy a few weeks ago who is under federal indictment because he obtained business loans and lied on the documents. He's facing 10 years in federal prison. He was telling me how he borrowed $750k and then when he defaulted when the recession hit , they found a way to go after him. He told me he did overstate some things but didn't think it rose to the criminal level. He said he's spent over $200k to try to defend it and stay out of prison. He didn't borrow the money then default, he defaulted about 2 years after he got the money. I don't know exact specifics of the case, but he told me it isn't looking good and if they offer him 5 years as a plea, he's going to take it. He also told me that one of the things his attorney said is that if he takes a plea, he has to pay back all of the money even though it was under a business. So doing something like this with $10k with the whole goal being to obtain more credit scares me.
  22. Is GE business as easy to get with high fico scores and clean TU file? I apped for the Amazon business card and was declined. I added a personal guarantee and was still declined. I have the Amazon card for personal and I was curious, so I went and applied for another GE account which was an old navy card... instant approval. Maybe I did something wrong.
  23. I'm so proud of you. This will teach them to think twice before harassing people. I get ping calls everyday and it drives me insane.

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