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  1. The bragging approval posts are useless. The ones that provide DP's (approved or not) are helpful but rare. Most are ego-maniacal, "look at me" posts that add nothing and attract 3 pages of meaningless congrats posts to affirm their superior self image for landing card X.
  2. I am in the same mode now, rebuilding and headed towards clean reports in a year (or less). I have gathered a several cards with no AF's in the last 6 months that may or may not grow (aside from my two NFCU cards). Some I use regularly (Amazon) and some just a small charge a month paying in full as I go. They are giving me a brand new history and though each added card lowers my AAoA, I have no choice. My AoAA will be coming down anyway when my old derogs go away. In short, I ignore the score fluctuations (EQ is the worst) as I know the general trend is higher.
  3. Might that not be poking the bear being so new and within SOL? If wanting to PFD it might be a better outcome before they serve him / her. In my case, I let them (CA's) hibernate and they never sued me.
  4. Meaning the SSL trick may not work for 10? Perhaps it would help being that those are paid right down before they report... ala NFCU.
  5. I don't know about the Plum. My Wife who is the minority owner of our company also had the Gold and Plat pop up as prequalified. She is at 652 with 6 months of history on the personal side. We do not need yet another Gold card and were not sure we wanted a Plat so we applied for the Marriott... denied in 5 minutes. Reason, not enough AMEX history and Derogs. She has (2) 6YO CO's and (2) 6YO CA's. No Hard Pull at least.
  6. Change it to suit your situation. The Verizon agreement has specific language about arb and that 30 day notice. It seemed Jefferson wanted noting to do with it. DW's CA was pretty large and came from Spring apparently not turning over phones. It worked like a charm for me (her) Good luck.
  7. Yes, 648 EX FICO 08 and many 6yo major derogs. I did have the prequal pop up. I had Plum pop up last month but didn't go for that card and then the Gold popped up as prequalled.
  8. Look up my thread about chasing away Jefferson / Verizon away by using Verizons Arb requirement. They went away screaming quickly.
  9. Another case in point for AMEX and old major derogs.. Nearly 50k in CO's and 17k in two CA's 6 years old. Was just approved instantly for a Gold Business card. I have been an AU on the the Wife's personal Gold for 5 months though.
  10. Have you tried the prequal in incognito mode via Chrome? You could see if the Gold pops up. It may give you a higher SUB that way as well.
  11. AMEX Business Gold Card... first AMEX card. Have been an AU on DW's card for 5 months. 648 EX Fico, (7) CO's, (2) CA's 6 years old. Prequal, 50K SUB, Instant
  12. Getting FREE paper copies from TU is a breeze. The 800 number in the sticky works perfectly. For scores, do the Experian (Credit Check Total) trial deal for $1 . I actually pay EXP per month as I was locked out of the free trial deal.
  13. I didn't even intend to follow through... just 30 day noticed them of my intentions as they require in their service agreement.

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