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EvilMan

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Everything posted by EvilMan

  1. I am glad i never bought into the IPO, I was close and decided at the last moment to stay out. I have never had much luck with LC on investments side and was wondering how there stock would perform. The stock price of LC has performed just like notes on the platform, ultra disappointing.
  2. I never even got an auto-cli from them and the soft pull phone calls never work. So i really do not know what is up with them. The only real reason why I have kept the card is the 9.99% fixed APR. It is nice to float stuff with, but with slashing the limit. eh ya lost its value completely to me. I just feel they are not worth another hard pull, and then they might try and snatch it back again
  3. Hello, Does anyone have any experience with FNBO lowering credit limits due to the Fico Triad reports? I got an alert that my account got slashed in half from 30k to 15k, and there is apparently no appeals process. I do not have the letter in hand yet since they did this on the 15th and immediately reported it. I am tempted to just close the account as I do not use the product as much as I did in the past, and they never provided soft CLI's, always hard for me. So I do not feel like I should have to take a hard to get it back, plus seems unlikely if they love these new triad reports.
  4. All 3, yep. And the card sits at $50k limit. I guess I am not installment loan worthy.
  5. I checked my account and neither my cash+ or business card has a cli option.
  6. 805 fico 9 here and just turbo tax offer. Never had a penfed offer in my entire 8 years of membership and never expect one.
  7. I put in about $1000 and loss over 50% too. The number of defaults on the platform is unbelievable. The best rate of return I had since It started was about 1.5%. Many years were simply just loss after loss, and me attempting to readjust and balance the portfolio. Out of 61 loans I made, 11 are charged off. today 20 are current, 5 are 30-60PD (will enter default soon), and 25 are paid in full. But as i go through the current loans, about 20% of them have been 90 days late. One loan is 16-30 days late every month (just paid up at the moment). Maybe the figures are reasonable for some, but I should be bringing in a much higher rate of return. Even Alliant savings pays a better return than LC.
  8. X24 means you have not used it, so the system has reduced you.
  9. Did you join PenFed with any derogatory marks on your reports? Low credit score due to high revolving debt, which has since been fixed. Other than that no derogs, lates, collections, etc.
  10. Sometimes I wonder if I never Opted back in correctly, even though I have submitted the request to opt-in almost monthly for 6 months. anyone know for sure how to figure it out on Equifax? I do get offers in the mail for Citi bank. I have gods with everyone else ... so they do not have much interest in me !
  11. Yea but it seems every credible news outlet picked up the story. bad PR for best buy
  12. Everyone is right. Never pay personal expenses from a business account as it opens you up to liability of being sued. You pierce the corporate veil and now even if your a corporation, You personally and the corporation are one in the same. If the company is paying for stuff like a mortgage, then the house is up for grabs even if not in the companies name during a lawsuit. On that side, many banks expect to review personal bank statements, so this should not have been unexpected. Many lenders do this in an automated way even. In terms of Marcus point of view, anyone with a printer and some photoshop can easily make a W2. You could always suggest them reviewing your tax transcripts.
  13. I have as well been looking to see if CITI has any cards i want. Hilton was my only Citi card so my portfolio is $0 as well. Nothing on their card portfolio jumps out at me.
  14. I never noticed max interest creeped up to 35.75% now. was always 29.99% ...
  15. I have even helped a few friends out with their repair. Even they were not able to work it sub 400's.
  16. I can vision the tweets about discrimination already. It would be less drama if we keep things like faces out of this. IT screams trouble.
  17. I should probably add the CLi i got from them 2 weeks ago on my 4 year old card. Finally got it to $30k. Anyways, they only pull experian for me. FNBO also does not do product changes and CLI's are HP, but can be SP if it comes back instant (kind of like Navy).
  18. I guess in comparison to Equifax, how bad can it be?
  19. I called them, they would not budge without it. Was kind of funny they said they could only accept a fax and nothing else. They really are a 1999 kind of department, 'eh?
  20. I called 866-519-6441 which i am guessing was not the Sr. Underwritting.
  21. I called Credit solutions today to see about getting the $25k Paypal limit turned to a $35k limit. I was on hold forever and they came back saying I was denied and needed to fax income verification documents to further consider. Has anyone ran into this before when getting a credit line above $25k? Edit I apparently cannot spell synchrony today.
  22. A lot of this comes down to which ISO/MSP you use. I have ben through one that underwritten through WF and it was horrible and hidden fees. You can find good ones to work with and your life will be happy. However, the ISO/MSP has many options such as taking 100% risk on the merchant account themselves, in which case they are closing the account and not really Wells Fargo. I have been an agent for years working with ISO's and you do find the crappy ones out there. The question i have for everyone is if WF is offering the account directly or are they just the bank sponsoring the ISO? I know as an example TD Bank (my local bank) does Merchant sponsorships but does not onboard people directly to TD and sends them to one of their ISO's which happens to use TD. However, the account is not with TD directly.
  23. EvilMan

    Hotel Cards

    Suppose I like to keep a nice AAOA. I just graduated undergrad and moving to graduate school where I go down for one weekend per month to attend classes. I still have to look forward to new accounts for student loans each year. I also have plenty of cards, more than one should probably have.

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