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  1. rumaki

    Innovis Credit Report

    Just looked at mine, nothing is on ther but a few Synchrony accounts and my NFCU card.
  2. rumaki

    Best Secured Cards - 2018

    It's missing: NFCU nReward BofA BankAmericard
  3. It's a PRG, no need to change it or get rid of it unless you have a different use case for another AMEX.
  4. rumaki


    Navy has used internal scoring for far longer than 2 years, at least a decade as far as I know.
  5. rumaki

    SoCalRob Post

    If you've read the thread you know this thread re-hashing the things that led to it being closed isn't wise.
  6. rumaki

    Accounts considered new time frame?

    Closed positive accounts only count towards score for 10 years, after that they're just informative listings on your report. Payment does NOT affect AAOA.
  7. rumaki

    Accounts considered new time frame?

    I don't see how paying an account off would affect it's AAOA. In fact I've never heard that theory, how did you come to this belief?
  8. rumaki

    Accounts considered new time frame?

    2 years.
  9. rumaki

    collection accounts included or not included?

    To touch on what cv said, anything can be removed from a CR, BUT in my experience; removing a public record is usually a few orders of magnitude harder than removing charge offs.
  10. Is it? They made some solid points about how wrong the practice of requiring the add-ons is.
  11. You need to check the parameters of your account, they very well may have those rights as you agreed to them when you opened it.
  12. rumaki

    Innovis Credit Report

    Me too.
  13. You made a foreign transaction and Fidelity charged you for it. They are within their right as it seems like you actually made a transaction. Different banks have different policies so this one got you and now you know.
  14. This is why WhyChat says, "Beware of unintended consequences". Restrictive endorsements mean absolutely nothing in most cases regardless of what you read somewhere. SYNC/Amazon dropped your credit limit in relation to credit history with them and just because they don't report it doesn't mean it disappeared forever or that they can't base internal decisions upon it which is exactly what they did. So, no, you don't have a case. BTW, you said you "asked" them to change their reporting. You didn't "ask" them to do anything. This wasn't a goodwill letter, it was a demand with threatening legal consequences if they didn't comply. So they did what they legally could and gave you a $100 limit, the fact that it caused you harm is of no consequence to them and completely within their rights.
  15. rumaki

    The 40-Year Old salamander

    I'm not sure if you did or not but take the AMEX Optima account, it will be worth it in the end to have a prime lender on your report.

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