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  1. Roll to IRA or rollover IRA. Consider converting to a ROTH on a bad income year (low tax year). The pension amount could get diminished by inflation. Sent from my iPhone using Tapatalk
  2. Another option: Get a locking mail box and then give the mail to tenants. This assumes you or someone you trust is always in town. Two people I know have locking boxes curbside and one at the front door due to mail theft. I personally use a PO Box. Using one for 12 years and I have had wrongly delivered mail twice. I get neighbors mail at work/home significantly more frequently. Sent from my iPhone using Tapatalk
  3. Phone is easy and they snail mail your pin. Sent from my iPhone using Tapatalk
  4. I recently was in the same situation. I got: Citi 3,000 Chase Slate 3,200 Discover it $1,200 Barclays Rewards $17,500 (applied requesting 15,000 bt) NFCU $25,000 Apply for a few and split it up if needed.
  5. Thanks for the feedback. Credit union was a typo as I meant CRA. Next question... If a CA confirms a paid account with a CRA, do think they might send out the info to all 3 just to be a jerk? Thanks in advance Sent from my iPhone using Tapatalk
  6. My primary concern is keeping EQ clean. It has no baddies. I am thinking about doing whychat’s method. I have 3 PAID medical collections that are 2-4 years old. 2 are on TU and all are on EX. What are the chances of them getting put on EQ if they verify? I ask because I know some people have had stuff disappear on all 3 if disputing only one credit union.
  7. When I applied for Barclay, I requested a 15k balance transfer. They gave me a cl of 17,500. BT's seen to affect their limits. Sent from my iPhone using Tapatalk
  8. As gdale6 said Must be a different bank. Also some require your name to be on the account they are sending funds to. Just being an au is fine, important for spouses. Gas and department store cars are fine. Sent from my iPhone using Tapatalk
  9. When did you make your application? I applied a few days ago and got the e-mail requesting I send them documentation. However, it gave me the option of e-mailing them or faxing them, and the e-mail provided a fax number. I find it a little difficult to believe that you couldn't have mailed them the documents. After all, you can mail a paper application for membership. Why not just mail that with the documentation? Although I fully understand and agree with not sending documents by unsecured e-mail, I think there were probably other options available to you that, for whatever reason, you decide
  10. I was shocked when I tried to join. After faxing docs they wanted me to email docs including ssn card. Not a secure email, but regular email. Requiring me to email dl, ssn, and pay stubs is asking for identity theft. There was no option to fax, snail mail, overnight, secure upload, or secure email. That kind of recklessness will ensure I never join DCU. Hell, I would get in trouble at work if I sent an unsecured email with just an account number in it. I think they should change their name to Analog CU Sent from my iPhone using Tapatalk
  11. Logix referred me to one when they declined me. Same day NFCU gave me 25k Sent from my iPhone using Tapatalk
  12. Raises hand Sent from my iPhone using Tapatalk
  13. I would open them at 3 different places that graduate to unsecured. This way, assuming they graduate, you will have unsecured relationships with 3 different institutions.
  14. As long as you pay and it credits before the statement, then it will have no ill effect Sent from my iPhone using Tapatalk
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