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dmdusn

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    Chania, Greece
  1. My EQ and TU fluctuate on USAA all the time. My EX on USAA has been at 680 for the last year or so. EX FICO is really somewhere around 730.
  2. Why even bother DV'ing? He was on deployment..he was or is active duty. I would be willing to bet a phone call or email to the right person explaining the entire situation will completely resolve this whole thing. Do not underestimate the power of "using" the active duty/military card. Try it from that angle. Write a letter, show proof of military service, tell them your story, etc. BTW, I am active duty, so I speak from experience. I am just worried they will try and say I opened this account fraudulantly and go after me (legally) because of the amount. When we talked to them they kept
  3. Just don't use the check...it is time sensitive anyways. Think PenFed is 90 days, after that, you cant use the check anyways. I've got 4 preapproval checks sitting on my desk for my new car. I'm only going to use 1(from PenFed) since they had the lowest rate. Right. It's not an actual check, it's a draft. The loan would only be setup by Penfed if the draft was presented to the dealer and it was processed. Even after I entered all the details regarding the vehicle I am about to purchase? Think about it this way...PenFed has all the info, but the dealer has not cashed the check yet.
  4. Right after I posted this I went to Lexis Nexis and got the application to pull my report with them. I am going to do get it all done today to submit tomorrow. I am curious (and scared) with what is on there. But for now I am going to submit the background search and just be done with it. If I get the job woohoo, if not - well I have another interview today. Either way I will get a job. Megan I may be off base here...but I don't think that they can not hire you based solely on your credit report if it does not pertain to the job.
  5. Just don't use the check...it is time sensitive anyways. Think PenFed is 90 days, after that, you cant use the check anyways. I've got 4 preapproval checks sitting on my desk for my new car. I'm only going to use 1(from PenFed) since they had the lowest rate.
  6. Why even bother DV'ing? He was on deployment..he was or is active duty. I would be willing to bet a phone call or email to the right person explaining the entire situation will completely resolve this whole thing. Do not underestimate the power of "using" the active duty/military card. Try it from that angle. Write a letter, show proof of military service, tell them your story, etc. BTW, I am active duty, so I speak from experience.
  7. I had active duty and fraud alert on all three. Transunion, like you said you can remove from the website. The other two, I had to write letters to them stating to remove both alerts. I stuck a copy of my DL, a utility, and put my social on the letter, so there were no questions as to who I was.
  8. I heard you talking about this yesterday. Glad everything went ok for you. On a side note how did you take a creen shot with your IPhone? I just got one about a month ago. I actually noticed that I had taken one of my home screen in my camera. But don't have any idea how. lol Press the home and sleep buttons at the same time on the screen that you want to take the shot of. Only took me two years to figure out, I always had these weird screen shots in my photos folder.
  9. Amex Delta Reserve $3000 NFCU CLI from $1k to $17.5K craziness..guess they like me again. USAA CLI from $2k to $3.5K Chevron CLI from $950 to $1700 PSECU combo $10K to $20K
  10. Sorry for not replying, I just got back from deployment. If you still need info, PM me and I will get it to you. Or PM one of the other people that already got it fixed. I'm done rebuilding, so I don't frequent that often anymore.
  11. Not always true...it just takes a while, 4 years in my case.
  12. Whoa! I decided to to hit the button on my Cash rewards visa. Was at 1K, asked for 10k total...instant approval.
  13. Have you ever LOOKED at an LES??? Yes they give us $250 BAS BUT they take out $230 WHETHER OR NOT my husband is deployed. That leaves only an extra $20 a month for food, not much (and payments for dental eat that up anyways). We dont see a dime of the BAH and we spend WAY more on uniforms a year then we get in stipend from them (roughly double of what they give). And they only give you seperation pay IF you have been seperated for more than 60 consecutive days. You get that but it takes them forever to get it to you, so it is not something you can count on as you never know when it will start
  14. Paypal most of the time defaults to your bank account linked to the account(in my case, my savings). All you do, is when you get to that page, there is "change payment" option to click on. Click that, and change it to your CC. I do it every time I use Paypal.
  15. No. They will never remove lates. Never. Suck it up and move on. I gave up writing countless letters to them trying to get lates removed. Now, they are all so old, it doesn't even matter, and my scores are north of the 700 mark. Live and learn. Don't pay them late. Another bump for you. I find it interesting that whenever this gets posted, no one replies. Everyone drools over NFCU, but not much talk about paying them late goes on on this board. I'm assuming my previous post rings true with everyone else.
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