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Everything posted by MMWTHREAD

  1. I was gardening for the year and gave into temptation. USAA had a preapproved AMEX card waiting reply and I couldn't resist. APPROVED! $7500. Now back to that gardening stuff.
  2. Philadelphia
  3. Thanks to the OP for this info....I sent email Tues, received call Wed and Today was told went from $500 to $3000! Woohoo! I almost closed this card. Happy In didn't now.
  4. Forget the automated system. Call 1-877-379-8173 to connect to the underwriters and politely ask for an increase. I told them I didn't want to "max out" the card with each use and requested to be bumped from $500 to $4000 and was approved! No hard pull for this one.
  5. I called that number and was told to go to the store to verify ID, but the store told me my limit is still $500. :-( I would try calling again tommorrow. They asked me some Lexis Nexis type questions to verify identity. Didn't have to go into the store. Maybe weekdays are better to call.
  6. Congrats on getting approved on the Home Depot card. I got approved last month with a $500 limit. So, I thought I would call and ask for an increase. I called the same day and asked for $4000 limit and was approved. It was very easy. I did not have to provide pay stubs to them. My score is around 650ish. Here is the number I called:Home Depot Store Card: 800-677-0232 Go on and gfive it a go. Ask for a few thousand at least. Best of luck!
  7. PrinceRomeo, I would call the underwriters at 1-877-379-8173 and ask if they service Ashley accounts. If not they will provide you a number for them. Each representative was very friendly and I was not intimidated at all. I really didn't want to talk on the phone, but it was easy. Best of luck for you. When you ask for an increase go large. They always counter offer.
  8. Called today just to see if I could get any results. And was amazed! Thanks to the OP for this great info. Walmart was 300 asked for 4000 approved 4000. Should have asked for 10k. Maybe next time. JCP was 150 asked for 3000 approved 3000 (Almost closed this card but glad I didn't) Old Navy was 100 asked for 1500 countered with 1000! (just have it for coupons anyway) Amazon Store card 500 asked for 3000 approved 3000! (Great for no interest promotions!) Here is the number I called. Each request was done on a separate phone call. All request were done the same day. 1-877-379-8173 for Walmart, JCP and Amazon 1-877-379-8170 for Old Navy
  9. I had a green card back in 1993 which I closed due to the fees. I thought the $55 fee was too much for what little I used it. Anyway I am an authorized user on my spouses Zinc card. Today I called to backdate and the rep informed me that authorized users cannot backdate. My spouse had never had a an AMEX prior to the Zync. I was hoping it would work. AMEX has denied my applications several times. Low FICO 677. At least I can piggyback on my spouses.
  10. My membership renewed today at the $29.95 rate. I called to ask for additional pulls and about lowering my rate. They informed me that the rate is set when you start the account. I would need to cancel and then restart. They don't allow you to cancel and restart on the same day. Maybe someone knows how long the wait would be to restart. They did give me a free month next month to compensate. B* would be done at the end, so I was happy. If you just got charged, ask for a free month to compensate. You can always cancel at the end of the free month.
  11. Received this email today. Anyone else? Message From MyCreditPlan.org CEO‏ May 1, 2012 On behalf of AAA Fair Credit Foundation, I would like to express our sincere appreciation to all of you who have so patiently waited for the release of My Credit Plan (MCP). MCP has taken over three years to develop and this day has been a long time coming. The tools found at MCP are unique and will properly guide you to better credit scores in the quickest amount of time possible. AAA Fair Credit Foundation is an award-winning accredited 501©(3) nonprofit, HUD-approved, credit and housing counseling agency based in Salt Lake City, Utah. We work directly with thousands of consumers, financial institutions, and lenders nationwide to help their clients manage their money, reduce debt, and improve their credit worthiness. Our goal is to provide you with accurate information and a strategic plan to help you improve your overall credit standing and help you save money. MCP originally was designed to offer two platforms – scanning and automatic. Many consumers already have their credit reports in hand and just want an analysis and plan of action. If not, you can obtain your credit report from many sources and enroll. Once enrolled, you can either upload your credit report within the online system, or fax it to (801) 951-5212 to be scanned into My Credit Plan. You will be notified when your analysis is ready. The automatic system was ready to launch in February 2012. Unfortunately, the major credit bureaus and FICO® have countered to stop the information found on MCP from being disseminated. This system is currently suspended. They have falsely accused AAA Fair Credit Foundation of being a "credit repair" company, and have even asked AAA Fair Credit Foundation to use their "education, non-lender" credit scores. Their credit repair claim is entirely false and we refuse to engage in practices that are in anyway deceptive to our clientele. AAA Fair Credit Foundation has never engaged in credit repair and never will, and we will always try to provide accurate and timely credit information. MCP utilizes the highest level of security including encryption and elevated levels of password protection. No personal information can be seen in any online account. Additionally, no one at AAA Fair Credit Foundation / MCP will contact you to ask for your Social Security Number or any other personal information. If you elect to submit a credit report, you may delete your social security number. As part of our appreciation for your patience, we would like to offer you a discounted rate if you sign up by May 4, 2012. Instead of incurring a $99 setup fee, you will incur a discounted one-time set up fee of $39 and a reduced monthly fee for the first 12 months. This is savings of over 50% from the regular price. To get this discount, enter promotional code "mcp2012" during enrollment or click this promotional code "mcp2012" during enrollment or click this link. Again, thank you for your patience. We are excited to roll out this new program. With the current and the new tools slated to come online in the coming months, we know you will have many new opportunities to build your credit scores. If you have any questions, please contact us at Support@MyCreditPlan.org. Sincerely, Preston Cochrane President & CEO, AAA Fair Credit Foundation
  12. Can someone help with count. The auto count shows 208 softs. No B* achieved. Also I pull EQ daily but none of those soft ever appear. Am I doing something wrong? ANDERA 01/15/12AR-BLOOMIES/DSNB 03/30/12, 12/30/11AR-CAPITAL ONE 10/04/11AR-CAPITAL ONE NTL ASSOC 03/19/12, 11/28/11INTERSECTIONS 12/21/11CD-INTERSECTIONS 12/20/11FIRST ADVANTAGE CREDCO 12/25/11FIRST ADVANTAGE CREDCO/ 12/20/11CREDITEXPERT 1-866-673-0140 04/15/12, 04/14/12, 04/13/12, 04/12/12, 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/06/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/26/12, 03/25/12, 03/24/12, 03/23/12, 02/29/12, 01/31/12, 12/31/11ND-DIGITAL FEDERAL CREDIT UNION 03/27/12, 12/27/11EQUIFAX 03/25/12EQUIFAX INFO SVCS. 02/20/12, 11/22/11, 09/09/10EQUIFAX INFO SVCS. 11/02/11, 10/16/11, 11/13/10, 07/26/10EQUIFAX 02/26/11EQUIFAX 07/15/10ND-EQUIFAX 09/17/11ND-EQUIFAX 09/12/10ND-EQUIFAX 09/12/10ND-Equifax Consumer Services 04/14/12, 12/31/11ND-Equifax Consumer Services 10/30/11ND-Equifax Consumer Services 11/23/10ND-Equifax Consumer Services 11/11/10ND-Equifax Consumer Services 05/19/10EQUIFAX INFORMATION SVS 12/22/11, 12/09/11, 11/23/11EQUIFAX INFO SVCS. 03/29/12, 12/09/11, 11/03/11, 12/03/10, 10/08/10, 08/25/10, 07/27/10EQUIFAX UPDATE 07/26/10ND-FAIR ISAAC 10/04/10ND-HSBC BANK 04/15/12, 04/14/12, 04/13/12, 04/12/12, 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/06/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/27/12, 03/26/12, 03/15/12, 03/14/12, 03/13/12, 03/12/12, 03/11/12, 03/10/12, 03/09/12, 03/08/12, 03/07/12, 03/06/12, 03/05/12, 03/04/12, 03/03/12, 03/02/12, 03/01/12, 02/29/12, 02/25/12, 01/31/12, 12/15/11, 11/09/11, 09/04/10AR-HOUSEHOLD BANK 03/20/12, 12/27/11INTERSECTIONS 12/20/11AR-MACY'S/DSNB 10/09/11AR-MACYS/DSNB 03/30/12, 12/30/11AR-MACYS/FDSB 08/16/11AR-PRIVATE LBL RETAIL/CITIBANK NA 03/30/12, 12/30/11AR-SOUTH JERSEY FCU 01/12/12, 10/21/11DTC-STERLING 11/16/11PRM ONL-THE LENDING TREE 03/25/12TRUECREDIT/VERTRUE 04/14/12, 04/13/12, 04/12/12, 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/27/12, 03/26/12, 03/25/12, 03/24/12, 03/23/12, 02/29/12, 01/31/12, 12/31/11PRM ONL-WFNNB/ONESTOPPLUS 03/31/12PRM ONL-WFNNB/VICTORIA'S SECRET 03/30/12


  14. C* in PA today. Hoping to make it to end of Feb, but didn't.
  15. January pulls were chopped today. I was chopped Jan 1st and Jan 20th so far this year.
  16. According to the Suze Orman website: Sign up now and for one year with your active Approved Card account** you’ll be able to: Access your TransUnion credit report online that can be updated daily ** You are eligible to receive the TransUnion services after receipt of your Monthly Account Maintenance Fee 30 days after enrollment in The Approved Card. Upon successful billing of the Monthly Account Maintenance Fee, you will receive instructions on how to sign up for the TransUnion services. The only reason to get this card.
  17. The Suze Orman prepaid card states you can pull an updated TranUnion report as much as you like. Just wondering if it would work for B*. Not interested in the card but B* would be worth it. Anyone?
  18. Only two bumps and CHOP! WTF chopped on the December 30 and then Jan 13! Did something change?
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