Jump to content


  • Content Count

  • Joined


Profile Information

  • Location

Recent Profile Visitors

4,085 profile views
  1. I have not tried that route. In the early days, when United still had last minute deals, a quirk in the system treated those tickets as a qualifying purchase, which basically got me a couple of free trips every year...it isn't as much that AXP caught on as United has quit offering those, so I don't know how those would code out nowadays. I never saw a need to do the gift cards though since I can burn the credit through organic travel spend.
  2. I cannot speak to gaming in that fashion, but I know the benefit resets on/about Jan 1 of each year...I don't recall the specific date of the email reminding me of the reset each year though. There have also been some card-specific offers that were basically free money on purchases I would have made anyhow...such as the spend $50 at Home Depot for an item that was delivered and get a $50 credit, TWICE. And the spend at least $100 at Dell.com and get a $100 credit. The card clearly pays for itself without exerting a lot of effort...
  3. According to my Plat benefits page... Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account.*‡
  4. I have never been a fan of cut-and-paste letters. However, while I agree that a FOAD is an appropriate response if you know for sure from your files that the debt is THAT antique, I would ALSO incorporate language that the debt has long since been contested and continues to be in dispute. The language places them on notice and also lays the predicate to go after anyone else who ever comes along since, at that point, you can document that you placed the entirety of the claim in dispute. Additionally, being in Texas, there are unique State-level statutes tha
  5. There are also monthly credits on cell and streaming...that makes for another few hundred a year. And, for those who still fly, there is $200 annually in certain additional fees on your airline of choice... I've also made good use of the status upgrade with National. If you travel in the slightest, the card pays YOU when all is said and done. 100K points and 10x on grocery, even for a limited time is just icing on the cake...
  6. Since this got bumped... The purpose of a dispute paragraph is to effectively prevent or foreclose the sale to any other entity. You are laying the groundwork for a continued collection claim if anything else EVER comes out of the issue.
  7. Focus on the addresses that are actually attached to accounts you intend to dispute. The rest is background noise...don't get lost in minutia that matters not one single whit.
  8. I don't recall TU as having Address Identification Numbers. The last paper report I had from them just indicated when the address was reported. As to DOFD info, I will have to defer to someone with any manner of negative reporting.
  9. They don't know if you were denied or not...and I would venture to say you have at least one soft OR hard pull appearing on your report for the past sixty days.
  10. Much depends on WHO you are seeking to submit a dispute to...there is no one single master address.
  11. Do you REALLY want to claim you haven't lived somewhere and then have that claim bite you in the hind quarters if you move to litigation? While they may make some boneheaded decisions, bureaus are not entirely stupid...if an account shows that the address reported for multiple years, then you won't get very far claiming the address was invalid. The paper report has a locator number that links each address to an account. Do your due diligence and figure out who is linked to what accounts. THEN figure out the best way to seek the culling of addresses.
  12. I'm guessing one has to live within their service area to open an account. However, if you later move outside of that footprint, then you still have the already established relationship which would qualify one for a card product...
  13. A written request that simply makes reference to some relatively recent pull on the report should get you what you need. Phone calls tend to fall in the category of 'we have no record of that' if something goes awry. If something is worth having, then pay the fifty one cents for a stamp and wait a week...
  • Create New...

Important Information