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GeekHou05

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  1. I called and they said that they cannot PC Simplicity to anything at this point.
  2. Hi Everyone, I have quite a few cards and would like to know what specific purpose should I use each card for (rewards maximization) Card Name Limit Annual Fee Comment Amex Platinum XXX $3XX Use this one during travels for foreign exchange NASA FCU Platinum Advantage Rewards $30k $0 Just got it Diners Club Card Premier $20k $9X Just got it Chase United Mileage Plus Club $15k $3XX Use this one for my flights (80% travel for business) Fidelity Amex $15k $0 Just got it, also plan to open an IRA there PenFed Platinum Rewards Visa $12.5k $0 Just got it - Gas? Sallie Mae World Mastercard $12k $0 Just got it (oved partial CL from Apple and closed) - Amazon? Discover More $8k $0 Use this one for most online shopping Chase Sapphire Preferred $7k $9X Just got it Citi Simplicity $7k $0 Never use. Would like to PC, but not an option at this point Wal-Mart Store Card $3k $0 Use on WalMart runs/pull cash if I forget the debit card Capital One Platinum $1.5k $0 Wondering if I should close it or upgrade to QS and CLI Amex HHonors $1k $7X I use this one for most hotel stays - very low limit! I also have the following credit limits Card Name Limit Annual Fee Comment NASA FCU Cashline (PLOC) $20k $0 You never know! BP FCU PLOC $20k $0 You never know! CareCredit $16k $0 You never know! Lowes $15k $0 You never know! Discount Tire $5k $0 Thats where I get all my tires from, good no interest promotions Any recommendations? Cheers
  3. Is it possible to get Chase Ink Business with a DBA? Does the card report to the CRAs? If not, could one do a BT from personal cards to the Ink card that does not report, there for having clean reports? Already in with Chase with a 15k United card.
  4. I fought them in 2008 on a debt that had a DOFD in 2006. Lots of DV letters and CRA disputes... Got them off of all reports in 08, but yet they soft me and call/send letters every now and then. Wish I could get them to fly away for good.
  5. Hi everyone With TU and EQ reports clean, I decided to go on an app spree before going into the garden until July 2015. Results NASA FCU Card - $30k NASA FCU PLOC - $20k PenFed Rewards - $11,6k PenFed Promise - $5k BP FCU (primary CU) LOC - $10k Diners Club Premier - $20k Sallie Mae - $12k (took $6k from Apple Card and closed it) Chase United CLI - from $9.6k to $15k Denied for CLI on my American Express HHonors Surpass ($1k limit) Denied for PenFed PLOC Util is around 30%, income is north of $100k, no baddies and EQ/TU were clean. 3 Inqs on EX in the last 12 months. Scores ranged from 690 to 736. Does anyone have experience with PenFed as a primary checking account? Their on-line portal is amazing...!
  6. Ok. I'll get util close to 25% and perhaps the score will jump a bit too.
  7. I've got a EQ Fico of 706, zero inqs with about 35% util. Do I have a chance?
  8. Hi everyone I was declined for Sallie May online yesterday (no reason and the rep could not tell me either).... I called the backdoor number today and was approved for 6k (and BTing 4.5k). Asked for a higher limit and the analyst said that i could only get a CLI if I took it from my iTunes card (also a 6k limit). I transferred that limit and closed the iTunes card. Happy with a new 12k TL, but is there a chance of CLI upon activation??
  9. What UTLs are you guys having when going for this one?
  10. If anyone would care to know, I have gotten a deletion from Capital One. See my posting: http://ficoforums.myfico.com/fico/board/me...ump=true#M87280
  11. Fellow CBers, I have a COed debt with then-MBNA the Portfolio purchased in 2007. At once point, MBNA, BOA and Portfolio were reporting this account all CRAs. I've gotten MBNA deleted from all, BOA deleted from EQ and TU and Portfolio deleted from EX and EQ. The DOFD and last activity date is March 2007. I sent them a validation letter in March 2008 with the typical Portfolio response and have been disputing with the CRAs ever since (hence my removals as noted above). Now I receive the attached notice regarding arbitration. PRS Letter *Has anyone else here received this from Portfolio*? I am going to send them the following text as a countermeasure. Any insights?? Portfolio Recovery Associates, I am in receipt of a letter from you, dated May 18, 2009. However, you “Portfolio†have not provided me with the appropriate debt validation. As this information is needed and you have not provided it as noted in the Texas Finance Code, as well as the Fair Debt Collection Act, I do not and will not consider this debt of my responsibility. Also enclosed is my original request for this information, dated March 2008. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. If you cannot provide competent evidence that I have some contractual obligation to pay you, the Texas Finance Code at Section 392 requires that the tradeline be modified as requested by the consumer. In this instance, that modification is a complete deletion of this tradeline from all credit reporting agencies to which you have reported. It is expected that within thirty (30) days from the date of your receipt of this letter, as evidenced by the delivery date on the Return Receipt card, your offices will have either provided the documents required for validation of your claim or this matter will have been closed and the tradeline deleted. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act within thirty (30) days will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Please note, this is my second request for validation of the debt which you are illegally reporting. Please be advised that your failure to respond with proper validation and failure to provide notice of my dispute to the credit bureaus is in violation of the FDCPA. As per the FDCPA: � 809. Validation of debts [15 USC 1692g] If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. � 813. Civil liability [15 U.S.C. 1692k] (a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- (1) any actual damage sustained by such person as a result of such failure; (2) in the case of any action by an individual, such additional damages as the court may allow As per the FCRA: � 616. Civil liability for willful noncompliance [15 U.S.C. � 1681n] (a) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of (1) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000 � 617. Civil liability for negligent noncompliance [15 U.S.C. � 1681o] (a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of (1) any actual damages sustained by the consumer as a result of the failure; (2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court. As requested before. Please provide me with full validation as required or cease all collection activities, including the misleading information that you are posting on my credit reports. Regards,
  12. GeekHou05

    Zenith CA

    Has anyone done a PFD with Zenith Acquisitions?

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