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Everything posted by jcasti02

  1. Yeah I've also read that they were difficult to get rid of. I'm just surprised that they replied to my letter being that it was outside of sol. I'm just going to send them something like Sassy's 623 letter and see what happens. I would also like to address them sending the letter to the old address. I would love to ask them why and if they were maliciously not try to send the letter to me. But I know I can't. Is there any law or statue that they broke by not sending their response to my address that was clearly in my letter?
  2. I sent this company a 1-2 punch and why chat's sol letter combination. They sent me a letter that they are "unsure as to the nature of my request." The first 2 sentences of my letter states "This is not a refusal to pay, but a notice that your claim is disputed. This letter responds to your verification of this account on my Equifax, Experian, and Transunion credit reports." At the end it basically says to prove that I owe you. In their letter they also say that if I would like copies of historical statements and other documentation for me to fill out their request form for my convenience. In their form they want me to put my full name, SSN, DOB, and wants to charge me $2 per statement, payment checks or original credit application and for me to sign and date. Another problem I had was that they sent this letter to my old address. I moved 2 months ago. I have changed my address to all my credit cards and the letter that I sent them had my current address. Luckily I'm still getting my mail forwarded to my new address. However USPS have emailed me letting me know that they will stop forwarding my mail 12/31. And to make sure that I update my address because I would not receive any mail sent to my old address. The thing that I don't understand is if they had my current address, why didn't they send me any kind of communication. I've never received anything from them during the CO, but it could be my fault during that time I lost my job and was moving from my brother's place to my parent's house looking for a job. Should I respond with a broad 623 letter similar to Sassy's or Jack Attack? And, how should I address them sending me this letter to my old address? I just want them to mess up so I can go through BBB and CFBP and get this crap deleted. Any help would be appreciated?
  3. I use the site basically as a bookmark for all my common websites I visit daily. I usually earn $5-10 a month that I use on Amazon; sometimes more if I use their grocery coupons or shop through their website. The card is offered through First Bankcard. Has anyone applied, if so what scores? http://www.swagbucks.com/p/swagbucks-credit-card?subID=022 Here's how we'll maximize your rewards: Earn 1.25 Swag Bucks points per Dollar on every purchase.† First Usage Bonus: Get 1,000 Swag Bucks points after using your card or transferring a balance within the first 3 billing cycles after your account is opened!† Extra Bonus Reward: Earn an additional 2,500 Swag Bucks points when you spend $1000 within the first 6 billing cycles after your account is opened† Redeem your Swag Bucks points for a gift card, or the Reward of your choice Monthly Expenditures That Can Help You Earn† $400 worth of groceries = 500 Swag Bucks points An $80 cell phone bill = 100 Swag Bucks points $60 to fill your gas tank = 75 Swag Bucks points $500 spent on recreation = 625 Swag Bucks points Buy $300 worth of gifts = 375 Swag Bucks points
  4. If your scores are above 680s (from PSECU, DCU, Walmart) but have some baddies like old COs and a CA. Would they want you to take care of them before getting approved for the mortgage?
  5. I tried my lowes to 5k but no go. Went online and got a cli of 1000.
  6. If you don't need the money, then I would go for it. I just got unsecured after having the card for 22 months. I applied for the cash rewards (starting cl 1k) after having the secured card for a month.
  7. I just got a letter saying that my secured cc was getting unsecured. I had the card since 01/2011. I sent a secured message to them asking to be unsecured on September this year but it was a no go. On the letter it said that my limit was going to be 1k but I checked online and I still have the 5k limit. The only thing different was that the "Secured" part was removed.
  8. I too have some COs but I wouldn't want to poke the bear too hard bc they can can still sue you
  9. Congrats. How long were they on your CR? Did you DV first?
  10. Mine is the tape too... I couldn't resist! I get tons of compliments on it. Congrats OP... Can I ask for a card design before they send me the card? I tried logging in but it says that my account is still being set up.
  11. Thanks, this card will definitely get its use especially since the holidays are near and the rewards are for dept and online stores.
  12. I think its best to call for the increase before doing the auto response. Others with better scores and income than me probably don't have to worry about doing that IMHO. That's what I did with Walmart. It was the day after my 4th statement cut and I wanted to see if I would get denied by the UW again. But since I was due for a cli, I thought that I would at least get a counter. To my amazement I wasnt and got the huge limit. I've got Paypal coming up on 3rd months after last cli. I'm gonna call before an auto increase happens on my 4th month again.
  13. I'm so happy about getting this card. Really wanted a 5% rewards. Even though it's capped, I can't complain with my scores. CL is $1,200 but will ask for cli at 6 mth. Will update credit pulls when I do my B* in the morning. DCU EQ 659 (Oct 1) WM TU 665 (Sept 5)
  14. Went from 18% to 8% with no change. Don't know why
  15. I really want a card with some kind of airline rewards. With my scores, what are my chances of getting maybe Barclay's Travelocity visa? I applied 4 months ago for Apple visa and was denied with recon; at the time I had 7 inq and util at 28%. Currently my util is at 8% and still have baddies 3 CO and a CA all happen in 2009. DCU EQ 659 Inq 2 WM TU 665 Inq 5
  16. I tried getting mine to unsecure last week. I got it 01/2011 and applied for the cash rewards 02/2011. I asked to usecure or close the card and add the available credit to my cash rewards. They said that my card doesn't currently qualify to become unsecured. Also, if I want I can closed the card and ask for a CLI on the cash rewards. I'm thinking of going in person to try.
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