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About EvilMan

  • Birthday 11/28/1989

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  1. In general. I am saying it contains way more info then say what experian has. yes your Major CRA has account numbers, DOB, SSN, Address Name. But in comparison EWS has way more information. It is a treasure trove for those that want to practice ID theft and steal money then what they would get from finding an experian report lay around.
  2. Yes those are the ones reporting accounts on my ews report. You look at the EWS report and man it is all they need to steel your ID. Name, Address, DOB, SSN, Drivers license, routing numbers, bank numbers. you would be screwed if all your money sat in an ews client bank.
  3. Based on my last review, i will add that Alliant CU, Ally Bank, Citizens Bank, T-Mobile Money/BankMobile/BMTX, Fidelity Investments (Savings), TIAA Bank, Keybank, Navy FCU, PNC, TD Bank, Goldman Sachs all report here. Not everyone reports balance or trans history though. I have not figured out how they work. Inquiries stay on longer than 2 years as all of mine are from 2020 and some are already 25+ old. I have a field on SOME of the accounts (which have been closed) that says "Consumer Removed Date" which are like from 2016- 2018. but other accounts do not have that. There is also a status called "Closed-Purged" but that does not mean removed from EWS i guess.
  4. It wasn't that long ago that if your credit score was less than 680ish when you joined, you were punished even further. Long hold times, cannot open checking accounts, money markets, etc. They completely locked you down and put you down in 9th class membership. You then had to ask for a review which was a hard pull just to get the restrictions lifted!
  5. Think of it this way. They willing to get you some credit love, but then they want tog et to know you better before they let you go hog wild.
  6. Once your going for six month, these problems will go away. they are a cautious bunch.
  7. The ten day hold does go away after awhile. I know new members for like 3 months have BS holds.
  8. Penfed is penfed They really want to target the state-side military only.
  9. Yes CLI are hard UNLESS you get a pre-approved offer for a card online. you can then call in and ask for it to be added to your existing CC.
  10. The penfed cards are not special. I have an old watered down card with $50k limit. If i want a newer card with slightly less turd value i have to apply for a new account and move my limit. Big F* No. I have never received pre-approvals from them. I would likely have a heart attack if i ever saw one in my account. I am good for a $50k CC but not even a $5k car loan pre-approval 😕
  11. About a year ago they changed underwritting and getting to $50k is extremely tough especially on one card. Rumor had it, you need pretty much a 3 star generals income.
  12. Hi, So i am at a lost what to do next. When i applied for BECU, one of the reasons listed for a low score missed the cutoff by like 50 points) was due to "total number of on-derogatory records". besides some excess inquiries, there is nothing else on chex, no negatives anywhere EXCEPT for the LN risk solutions section. I have since then gone off my LN report with a fine tooth comb, disputed a bunch of like insurance stuff, and even been on the phone with an investigator at LN (they sat on my dispute for 30+ days and did nothing, win win for me!). My LN report has nothing one could call derogatory and i actually got all the old accidents removed too if they were some how counting that. Do i have disputed with Chex twice now citing the information is incorrect. I seem to win each time and they remove that section from my report and say not available (not sure how that impacts the score). Just for it to come back again. Each time they never actually provide me proof or a description what it means, but it is enough to bring down my score. Trying to figure out my next steps. I will dispute gain #3, but I am tired of this dog and pony show. I feel if they cannot provide information and an exact way to get the data they are showing, then it is knowingly providing false information. thoughts?
  13. Business as usual. Another QTR goes by and another QTR with no offers. Never seen one for my entire penfed membership.
  14. It was a hard, shows it on the reports. I did not make it in writing since i called in. I do have a case number though they opened, which proves they knew about it.
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