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scls

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Everything posted by scls

  1. Go for a citi card. Heck, you can even try for a amex. Crazier things have happened..
  2. It's a roll of the dice. Nothing is set in stone .
  3. Yes that is considered validation and CA's don't really bother with sending stuff with tracking numbers or certified. Their usual objection will be that it wasn't returned to them as undeliverable. As for the one's that haven't replied, give them the full 30 days from their receipt of the validation request plus 5 days for mail transit. If they don't respond by that time, you can file a cfpb complaint.
  4. This a common tactic with them.
  5. The Master: Granny jacked my social and ruined me financially.
  6. There should be a master thread about relatives stealing other family members info to get unauthorized credit.
  7. For that amount of debt and unlawful credit, you should definitely file a police report. A lesson needs to be learned here.
  8. Now that's pain in the flowers..
  9. Ok so I logged in to a couple of my GECRB accounts (JCP, Old Navy and Chevron) to try the luv button and for each one it tells me "We apologize for the inconvenience, but we cannot process a credit limit increase online for this account." Was expecting a denial instead of something that looks like my accounts aren't eligible for online increases??? They are only 2 months old. Not sure if that has anything to do with it. That's a denial. You will get a letter in the mail.
  10. Tax write offs.. it all adds up.
  11. Strongest DV ever !
  12. Credit Application: Your Age? 21 Your Equifax Credit Score? 668 Your Experian Credit Score? 670 Your TransUnion Credit Score? 676 How many years have you been on file with Equifax? 2 How many years have you been on file with Experian? 2 How many years have you been on file with TransUnion? 2 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? Refinance, maybe trade in How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Local credit union Your current open auto loan payment is? 329.00 Estimated amount you may be upside down in this vehicle? 4K Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 8 Total percentage utilized overall? 35 How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 6 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 14 Years Do you Rent or have a Mortgage, or Live w/Relative or Other? Live with relative Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 3 Years Your total provable monthly gross income is? 1900 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Check stubs Is there additional monthly income? What amount monthly? 0 Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 0 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2011 Nissan Altima looking to refinance or trade in. Current lender not updating bureaus and is not reporting to Transunion at all.
  13. OP - Northern Resolution and Enhanced Acquisition are one and the same.. They are feeling the heat, that's why they started a new entity ..

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