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Baby Joe

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Everything posted by Baby Joe

  1. Thanks for the reply. My oldest account is actually one of my parents cards that I am an Auth. user on - it's a non-Amex from like 1991 I think? Early 90's basically. Most of my other accounts are newer, like within the last 5 years, so the older one definitely helps my AAoA. My credit profile in general is GOOD - it's actually close to great or excellent if I paid down some balances. I'm at like 730, no lates or CO's. I had a CO but it finally fell off my CR last year, so it's now very clean. I have like 30% utilization at the moment and I know I need to bring that down, and my AAoA isn't that old - could definitely be better. I was just wondering if there were any other accounts that I was missing or might look to add, but it sounds like I may be fine there.
  2. hello friends, I am wondering what additional trade lines I might look to add to my credit report, for the sake of diversity & improving my score. I have the following: Mortgage Auto-Loan 1 small LOC (3K) about 10 open CC's (close to 100K total available) 1 fully paid off personal loan (SoFi) Is there anything obvious that I'm missing here that I should go for? The one thing that I can think of is that I don't have any charge cards - should I get one? I'm not really sure if that would help or matter. Or anything else? Thanks in advance -
  3. Costco (Citibank) and Amazon Prime (Chase). The limits are pretty decent and will add approx. 50% available credit to my current limit, so I'm eager for them to appear and to see how much they affect my score.
  4. Hey all, couple quick questions regarding when things will show up on my CR. Recently my wife added me as an AU to some of her cards. How long will it usually take before they show up on my CR? Conversely, if I make a big purchase on a Monday, and then a mortgage lender does a hard pull 2 days later (Wednesday), will that large purchase show on my CR, or does the account need to "close" before that purchase shows up? I ask because I pay for USAA's credit monitoring service and I just got an updated CR today. Neither the 2 new AU accounts show up, nor does a large purchase I just made. I'm just curious how long it might take before those things do appear. Thanks,
  5. does the limit apply to ALL CapOne cards? Or just to Venture?
  6. That wasn't the point...Sorry, what? What wasn't the point? Reread the original post and you tell me how normal that is I have no opinion on how normal or not it is. I don't come to the forum to judge or make fun of people. Most of us are here for the strudel... but some for the shepherd's pie.
  7. I dig the look of the Venture card. The numeric font they use is awesome, although I wouldn't mind having the numbers on front… the QS definitely needs a redesign (although in Passbook it looks ok)
  8. update: the other day when I made this thread I had spoken to one dept. which was where I needed to fax my state tax filings to. When I asked them some more in depth questions they gave me the number to another dept. that handled the records or something, so I called them today, after a few days of letting the paperwork move through their systems. I explained the situation and asked if the lien would now be removed from my CR. He said ok hold on, let me see if they have zeroed out your account. He put me on hold and when he came back he said yes, the other dept. zeroed out my acct. and now he can take the next step which is issuing a vacate & withdrawal of the lien. He told me he'd send me a copy of the notice and also one to the court for public records. He said that eventually the notice that goes to the courthouse should get filed and whenever that happens, it should make the lien fall off my report, BUT waiting for that to happen on its own can take awhile, so I should take the copy I get and send it to the CRA's, which should be much faster. So, hopefully I'm getting the withdrawal notice I need (at least it sounds like it). Once I get that I'll send it to the CRA's and see what happens.
  9. yeah, old school computing, like Fairchild and Tandem… I always liked their logo
  10. So I got an email this morning saying I was approved for membership (applied yesterday) but I didn't get a member number yet, therefore I can't log into the site. Does anyone know how long it usually takes to be able to log-in so you can see your FICO ? The email said to wait 7-10 days for documents to be sent or something, but I'm hoping I can log into the site sooner than that…
  11. ok so that sounds pretty similar in my opinion. So what was it that finally made them change it? Did you finally just bug them enough, or get through to the right person who decided to do it for you? Or did they need something specific that you provided them? Any additional info you can provide would be appreciated. Thanks
  12. There's a tax lien from the state of MD on my CR. I have never lived in MD. I called them, they told me send my state income tax for that year and that should clear up the lien. I did that the other day, and called yesterday to confirm they received it. The woman was very nice and said she'd review the doc's and send me something today. Today I received this: Dear Mr. Baby Joe: Per our conversation, we have further reviewed your account and determined that you were not required to file a Maryland tax return for tax year 2007. Your 2007 tax lien has been released and our Annapolis branch office will mail your lien release notice. Within the next week to ten days you will be receiving a letter confirming that your account has been closed. This e-mail serves as confirmation that your account has been closed for tax year 2007. If we can be of further assistance, please contact us at the e-mail address or phone numbers listed below. ### So, what's the next step? Wait to receive the letter she mentions and then dispute the lien w/ the CRA's, including a copy of said letter? Will they automatically stop reporting the lien to the CRA's now that the account has been closed? I have read about how there's a difference between having a lien "released" vs. "withdrawn"… I asked the woman about this when I had her on the phone and she said she wasn't exactly sure how it would be characterized in the official letter, even though she does state "released" in her email. She said that is handled by a separate dept. and I would have to call them if I had any issues w/ the language used.
  13. I just did it - followed the instructions to a T and no problems. Just logging in to CCMP for the first time now. I'm using Safari on OS X mavericks, FYI.
  14. Seriously, his stuff is classic. Reading his posts at MF is also endlessly entertaining. It's like he needs a new thread for every random thought or change in his CR. The best is when on one page he claims to be done app'ing and "going to garden for awhile" and then the very next page he casually mentions that he got declined for some random card, or he starts asking questions about what it takes to get approved for X card… it's just endless. Even the people over there that he once claimed were so much more mature & welcoming than CB are turning on him. His thread about 'why I hate credit… and what should be done about it' is A+++ Great Read, Would Read Again
  15. I spoke to another company like this awhile back before I got some baddies removed on my own. They charged a lot more (only for successful removals) but they were WAY more legit than this site. I can't imagine sending this site my CR or any personal info… You gotta love how they put quotation marks around "credit experts"
  16. That's not the definition of insanity, but for some reason people keep saying that… I guess it sorta sounds nice, even though it's wrong (no offense). That said, while it may not be the definition of insanity, it is definitely stupid. This thread, and all this dudes posts, are hilarious. I love how he's got a low-limit VS card and is carrying a balance on it. I think he even acknowledged this in a post, he said something like "Not gonna use this card cause I'm a guy…" Well, apparently even that couldn't stop him. I absolutely LOVE it. I can only imagine what he bought there… and based on him admitting to paying for FREE FICO's in this thread, I wouldn't be surprised if he just strolled in there and bought some random lingerie, just for the sake of using the card. Well done, grasshopper.
  17. +1 I'm glad he feels at home there. Yeah, he was, shall we say, unique. good lord… I'm spending WAY too much time reading his threads. Absolutely hilarious. As Banya from Seinfeld would say… "This is GOLD, Jerry… GOLD!!!"
  18. That's some solid action. Can you describe your recon conversation with Barclays??? Just called and said I just applied for your card and would like to see about getting a higher starting limit because I wanted to take advantage of a balance transfer. He said sure and asked me a few questions about my job and salary and what I wanted to transfer and why. Also why I wasn't paying it off. He was cool I answered his questions and he congratulated me on having great credit and said no problem with granting my request. He did pull another trans union report which who cares when going from 8k to 25k. Hope this helps. It was painless I always shoot for the moon it never hurts. so when you do something like that, are you serious about the BT? Or is that just a "line" that tends to work? Even if it could be true, is there any obligation to do a BT? Do they like expect you to do it, or could you decide to change your mind? Just curious…
  19. went on a spree today… Chase Freedom - $4,500 Instant Capital One Venture - $10K Instant Capital One QS - $5K Instant was hoping for $20K total but will happily settle for $19.5
  20. It's a good feeling to get a little loving. yes indeed! I also app'ed for their QS and was approved for 5K. Fantastic day.
  21. Hmm... I'm leaning towards no on Chase. I'm only pre-approved for one card, so i feel like it would be weird to app again for the same card. Cap 1, I was pre-approved for 3, so maybe I should try one of those? EDIT: Pulled the trigger on Cap 1 QS… approved for 5K. Nice. Thanks for the advice!
  22. Thanks, any particular one in mind you think I should check out? Not sure if I should get greedy or not, but I guess I wouldn't mind app'ing more if it can't hurt me.
  23. really? Hmm… I went ahead w/ the Cap 1 and got a 10K Venture, so already been a successful day. Although I guess I could do Chase again if that's a good strategy.
  24. Just got a 10K Venture, right after getting approved for a 4,500 Chase Freedom. Surprised by both, so I'm a happy camper today.
  25. Hmm… So both Chase, BofA, and Cap 1 gave me pre-approvals. I bank w/ Chase and decided to go ahead w/ them and got a pretty high CL, much more than I expected. Should I also go for the Cap 1 now, or will they be likely to deny me because I just had a hard pull for the Chase card? Does it make sense to app in succession like that, or should I wait for the Chase card to start reporting first?

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