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jds

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About jds

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    Bump Influence V
  1. EX: 75 EQ: 58 TU: 53 ~ 18 open on each
  2. Already have one stay in, with 2-3 more booked before the end of August.
  3. I was a state employee at the time I joined. I don't think they have any open "ins". Sorry..
  4. 717 1. There is a bankruptcy on your credit report. 2. You have too many open bank credit card accounts. 3. You have too many inquiries on your credit report. 4. The sum of your bank credit card account balances is too high. I'm actually happy about #2!
  5. Mike, I'm sure you're overwhelmed with questions, but I really appreciate you being here. I'm sure everyone else feels the same. Allow me to add my question to the pile; Is there a standard policy when it comes to BK age required for (a chance at) approval? Many issuers have a set 'your BK must be X years old before we'll consider you'. If so, how is that affected by whether Citi was included in the BK? Finally, is this a standard policy across all Citi serviced accounts (including retail brands) or does it differ? Thanks again! PS - Maybe we should start a Mike thread..
  6. jds

    NFCU Question

    Federal employees/contractors must be primarily employed on a DoD installation.
  7. jds

    First 25K Card!

    I think the first one was late January, the second one was early March, the third was late April, now this one.
  8. jds

    First 25K Card!

    Thanks everyone! I've been trying to hit this milestone for a while!
  9. jds

    First 25K Card!

    Requested.. Cost me a hard each time, but I was only declined once..
  10. jds

    First 25K Card!

    Navy Flagship Siggy - Got it through CLI(s), but I'll take it Started with 5K in November, increased to 10K, then 16K, and now 25K! I never even had a 25K card even before my BK in 2007! I believe that puts me over 100K in available revolving credit, though my new 15K JFCU LOC may report as installment. All but $300 of that was obtained post BK. I couldn't have done it without CB though - thanks everyone!
  11. Once you receive a score of 760ish, you're golden. You won't receive any more favorable offers with a higher score. Any scores in the 800s are basically just for bragging rights. We would all like to see them as our scores, but really they serve no advantage. And when you're in the 800s, that means you're not advancing your credit whore/pimp status. That's right. I better get busy... Yeppers, you and Wang need to get back to app'ing if you find something awesome. I've been doing my part lately. Bye bye 800s for 6 months probably when it hits my credit. Congrats on approval, I wish I could join JFCU lol Thanks - I think they have an in through the National Sheriff's Association. I'm not positive on that, though.
  12. What are you going to do if/when the application asks you if you want to add any authorized users?
  13. Once you receive a score of 760ish, you're golden. You won't receive any more favorable offers with a higher score. Any scores in the 800s are basically just for bragging rights. We would all like to see them as our scores, but really they serve no advantage. And when you're in the 800s, that means you're not advancing your credit whore/pimp status. That's right. I better get busy... Yeppers, you and Wang need to get back to app'ing if you find something awesome. I've been doing my part lately. Bye bye 800s for 6 months probably when it hits my credit. Well, if your score drops, you didn't do it by yourself.. you had a few Partners..
  14. Is the account not IIB reporting as an actively collectible one? Maybe wait till the dispute is complete and then get the recon. The credit pull should be good for 30 days. They'd likely need/want to pull again if she's claiming something has been fixed/changed. They might accept a printout from her, but I'd call it unlikely.

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