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  1. There is a credit card that I was an authorized user on that was reporting as 30 days late in October. I am no longer an authorized user on that account. Will the 30 day late that is on my credit report be removed if I have the account removed? In other words, are things like "30 day lates" attached to accounts or are they recorded differently?
  2. minnesotakent

    Myprivacymatters.com Error

    It's now working again for me, too.
  3. minnesotakent


    Eleven years later and I am having the same problem.
  4. minnesotakent

    Myprivacymatters.com Error

    I am having this same issue.
  5. minnesotakent

    PenFed won't remove me as an AU on my soon-to-be ex wife's cards

    I am definitely an authorized user. I do not have any assets in PenFed, but I have their rewards Visa with a 28,500 limit and I have a car loan that I still owe about $6,000 on with them. The main reason I need to protect my credit scores right now is that after the divorce I will want to qualify for a mortgage (current house will need to be sold to get the equity out of it when splitting assets). Thank you for the advice about disputing the accounts. That makes a lot of sense.
  6. My credit scores had been in the low 800's. I am an authorized user on my soon-to-be ex wife's two PenFed credit cards. In July my wife, due to mental health issues, went crazy and ended up in jail. She's been in and out of jail since then. I wanted myself removed from being an authorized user on her credit cards and was successful in removing myself, except for PenFed. I sent PenFed a letter that I wanted to no longer be an authorized user and they responded that my wife would need to contact them. There is a restraining order and my wife is not to communicate with me at all. Through her attorney I requested that I get removed from the PenFed accounts and she initiallyl refused. Finally, she sent them a letter, but PenFed is saying that they need to verify that it's really her that wrote the letter to remove me from the accounts. She is refusing to contact them again. In the meantime, she has stopped making payments and it's killing my credit scores. I have made phone calls and written letters to PenFed and nothing is working. They will not remove me from her accounts. Do any of you have any suggestions?
  7. minnesotakent

    LA Times: Plight of the unbanked - odd article

    I know a man who is about 60 years old who has a job that requires a specific skill that he is very good at. He's considered a genius at that particular skill, but otherwise not very bright at all. His boss pays the man's rent and all of his bills. At the end of each work day his boss will ask what he needs and usually ends up giving him anywhere from $20 to $60 to take with him that day. His boss puts any unused wages in a retirement account that this guy has no interest in at all. His boss also helps him with his taxes every year. It's a very unique relationship, but they've been doing it this way for over 25 years.
  8. I've had my phone number for 11 years. For the first year or two we got many debt collector calls for someone named Ron Mackie. I called the telephone company who confirmed that someone with that name had our number before us, but they also said that the account had been closed for over a year when they gave us the number. For the last 8 or 9 years we would get an occassional call (maybe one per year) from a debt collector looking for him. For the last month we've been getting several calls per day looking for him. Each time I explain that we don't know who he is, that he hasn't had this number in at least 12 years, and I tell them not to call again. I've tried finding this guy myself and I've never found anyone with that name living anywhere within 400 miles of me. For all I know he died 12 years ago. Any suggestions for getting this craziness to stop?
  9. minnesotakent

    NASA FCU Pre-approved after burning them in BK in 2010.

    The offer does have opt out language. It shows an APR range. So, does this mean this pre-approval really has little value and it's mostly just an invitation to apply? Ubercat, my specific questions concerning NASA were not easily found. Thank you for your post. It was quite helpful. Actually, it was unseemly at best.
  10. I burned them for about $5,000 eight years ago. Today I received a letter saying that I am pre-approved for their Platinum Advantage Rewards Visa. Are pre-approvals usually a sure thing? Is NASA known for being forgiving towards being burned? There's not much in the credit pulls database about this card. Does anyone know if NASA is generous with credit limits?
  11. I probably would not use it much, but the only reason I would get it would be for the large credit line which could be helpful in getting other large credit lines. Is it worth taking an inquiry to add a $20,000 card to my credit report? This would be my second highest limit. My highest is a PenFed Power Rewards card that has a $28,500 limit.
  12. Are there disadvantages for having positive authorized user accounts on your report? When applying for a credit card, do they take into account how many accounts someone is an AU on?
  13. My credit score is in the low 800's. I checked for prequalifications with the different credit card companies and there were offers at all of them, except Chase. I would like to add one or two more new cards with a focus of large credit lines and cash rewards. Since I have two new accounts should I wait six months or so to apply for more accounts or apply now? Any suggestions on what I should apply for? Here are my current accounts. PenFed Power Cash Rewards Visa, $28,500 limit, brand new account. Citi Costco, $9,500 limit, brand new account. Capital One Venture, $18,500 limit, account is 2.5 years old. Capital One Venture One, $15,500 limit, account is 2.5 years old. Amazon store card, $6,000 limit, account is 2.5 years old. Walmart store card, $6,000 limit, account is 2.5 years old.
  14. minnesotakent

    My credit score went from 637 last month to 805 this month!!

    I don't want to start a new thread with this question, so I am hoping someone can answer the question in this thread. I recently requested a CLI on my Amazon store card (Synchrony). The limit had been $1,300 and I requested $25,000. They approved me for $6,000. Today I received a letter in the mail explaining why I didn't get the amount I requested. The letter said that my credit score is 834 and this was based off information from Transunion. My question is this: is this credit score a FICO or a FAKO? Thanks for reading.
  15. minnesotakent

    My credit score went from 637 last month to 805 this month!!

    Well shoot, I did not realize it was a FAKO. How can I delete this post?

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