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higher180

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About higher180

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    Rewards Connoisseur
  • Birthday 05/12/1982

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    Awsomeland
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    Credit and Rewards, Family, Movies, Music, and other nerdgasms
  1. I did file BK 10 years ago. Maybe I need to dispute my Lexus Nexus report Sent from my SM-N950U using Tapatalk
  2. So I just tried applying for a CIT Bank Money Market, It looks like I got denied due to Chex. I know I still probably have a closed account on there, but what is Asset History? Thank you for your recent application for a CIT Bank account. Unfortunately, we are unable to open an account for you at this time. Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency ("reporting agency") listed below. Chex Systems, Inc. Attn: Consumer Relations 7805 Hudson Road, Suite 100 Woodbury, MN 55125 Fax: (602) 659-2197 Toll-free Telephone: (800) 428-9623 Website: www.chexsystems.com You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. The reporting agency did not make the decision to decline your request to open an account and is unable to provide you the specific reasons why this adverse action was taken; however, we obtained your QualiFile score from the reporting agency and used it in making our decision. Your QualiFile score is a number that reflects the information in your consumer report. Your QualiFile score can change, depending on how the information in your consumer report changes. Scores can range from a low of 100 to a high of 899, while exception scores range from 9000 to 9999. Your Qualifile Score: 0506 Date: 05/26/18 Key factors that adversely affected your specific Qualifile score are listed below and were provided directly from the reporting agency. Reason Code Reason Description AI TIME AT CURRENT ADDRESS AW ASSET OWNERSHIP HISTORY AP DDA CLOSURE PAYMENT HISTORY AD DDA CLOSURE(S) If you have any questions regarding your consumer report, you should contact the reporting agency using the information above. If you have any other questions regarding this notice, contact the CIT Bank Referrals Department by phone or email as shown below. CIT Bank Referrals Department Toll free (877) 742-4045 CITBankReferrals@cit.com Regards, The CIT Bank Team
  3. Is there any more details on PNC rolling out Free FICO. I haven't ready anything about that.
  4. I'll give an update. Soon as I upgraded my phone the mobile deposit worked. However, I am now banking with PNC, so I don't use Chime really at all anymore. I did receive an email that they received additional funding and they are growing. They said something about adding additional features and products. So I am a bit curious to see what they are up to. Sent from my SM-N950U using Tapatalk
  5. Not a bad cashback card at all. The spending bonus requirement seems a bit high, however not too high. I wonder how good the cashback mall is. Sent from my SM-N950U using Tapatalk
  6. That's some nice CLIs [emoji16] Sent from my SM-N950U using Tapatalk
  7. I only use CK for monitoring of EQ and TU, but I go by my FICO on TU and EX that I get my cards
  8. First Premier has a monthly fee along with an annual fee. I don't necessarily mind paying it if it's helping me build credit long term, but I think I'll keep it open at least until the year mark and if they won't budget on the fees than I'll find a card to replace it and close it. You are right I didn't post APRs because I am not really entirely sure what they are, but I am using YNAB and I am working on paying down the cards as quickly as possible so I can make my interest payments as low as I can. There is some disagreement among the CB community as to whether Merrick is as much of a turd is other subprime cards. At the same time, there is absolutely NO disagreement that WorstPremier is a zero-value, fee-filching, ultra-mega-bronto-turd-asaurus. Pay it to zero and close it. The sooner you close it the sooner it will drop off your reports. You DO NOT WANT manual reviewers to see this one on your reports. It does have a lot of fees, and I only opened to help with utilization and a trade line. I was planning on closing it soon. I was just up in the air if I wanted to close soon as paid it off or close it soon as I got another tradeline to replace it. I think I will just close it once it's paid off. I have heard that I don't want manual reviews to see this account because it shows past credit difficulties and if I am doing well I don't want someone to think otherwise. Merrick does have a high annual fee, but I have heard that it does have give CLI pretty regularly and I know in August it will double, and than it will be my second highest card.
  9. Well I guess with all the adult's posting their limits I may as well post my kiddie cards. You have to start from somewhere right? Top 3: Kay's credit $2,100 Cap1 QS $1,100 Discover IT $700 Total limits: $5,500
  10. First Premier has a monthly fee along with an annual fee. I don't necessarily mind paying it if it's helping me build credit long term, but I think I'll keep it open at least until the year mark and if they won't budget on the fees than I'll find a card to replace it and close it. You are right I didn't post APRs because I am not really entirely sure what they are, but I am using YNAB and I am working on paying down the cards as quickly as possible so I can make my interest payments as low as I can.
  11. That's what I am thinking as well. I just wanted to make sure.
  12. So it's been a really long time since I have posted in this forum lol. I am wanting to get some advice on what should I do next regarding my credit strategy. My cards are as follows Capital One Quicksilver $1050/$1100 1.5 years old, denied CLI two months ago Capital One Platinum $0/$300 less than a month old First Premier $464/$700 6 months old Merrick Double Your Line $352/$600 4 months old, in August will double CLI to $1200 Discover IT $454/$700 less than a month old Kay's Credit $0/$2100 less than a month old util is at 38%, and my FICO's are TU 638 and EX 641. I don't know my EQ FICO because I don't get it free I am making a budget to pay down my balances. What I am wanting to know is soon as I pay off First Premier should I close it, or replace it with another card, or just cut my card count down?
  13. Merrick Bank GoScore is FICO 08 on Experian and so is Fingerhuts Free FICO. Fingerhut seems to be every couple of months. I haven't bad Merrick long enough to know how long before updates. Sent from my SM-N950U using Tapatalk
  14. Definitely, a reward strategy would be best. In your case since you are saving to make a large purchase I would stick with cashback cards, because often points cards devalue cashback redemption and you are wanting to look for the best value.
  15. Jefferson Capital did get suddenly deleted off my credit reports, but I had disputed them before and it came it came back verified so it didn't make sense that it just disappeared but this may answer that question.

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