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About david_weaver

  • Birthday July 9

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    Seems lately my only hobby is credit repair :)

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  1. In my personal experience, they will not budge. I had the same sign-up a few years back followed by an even better offer a few months later. I called, chatted online, sent emails. All politely declined. Sent from my iPhone using Tapatalk
  2. Both GM Financial and the dealership pulled EQ, which surprised me. I have a question though: In the last 6 years, I have leased or purchased 5 new vehicles. I leased a Nissan Rogue which I kept for the 3+ year term and returned it when I purchased a Buick Encore in January 2017. I purchased a Chevy Cruze, which I had for two years before trading on a Buick Enclave I kept the Enclave for the entire 3+ year term and turned it in this week to lease a new Buick Enclave. So in the last 6 years, I have nearly 12 years (typically two vehicles at a time) of perfect payment history, with expe
  3. Credit Application: Your Age? 34 Your Equifax Credit Score? 699 Your Experian Credit Score? 686 Your TransUnion Credit Score? 665 How many years have you been on file with Equifax? 15 How many years have you been on file with Experian? 15 How many years have you been on file with TransUnion? 15 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (1-yr old loan and expiring lease) Will this open auto loan be a trade-in? Loan-No, Lease-Yes How many late pays within the last 12 months on the currently open loan? 0 How many l
  4. What FICO version does GM Financial use? Thanks!
  5. ??????https://www.thrillist.com/drink/nation/how-to-make-prison-wine-how-to-make-pruno ?????? Sent from my iPad using Tapatalk Actually, both are. The one on the left has been busted with firearms they aren't supposed to have multiple times. Snoop was convicted of felony drug possession and felony intent to sell in 1990. In 2007, he pleaded no contest to felony drug possession and possession of a firearm by a felon (also a felony). He received a three-year suspended sentence, five years' probation, 800 hours of community service (400 of which could be operating his OWN yout
  6. I don't know if you have some scheme in mind, so cannot speak to the specifics in that regard, but in the general sense yes you can. For example, the $20 rebate from Staples this week is in the form of a VGC. If I buy a $500 VGC at Kroger, I can use that $20 VGC towards the purchase. It is also handy for draining VGCs with small balances.
  7. FICO scores update immediately with any change. Depending on your file, you may actually see your TU score go down due to these removals, or stay the same. They were so old their impact was low. If you have a newer, thin file, you may have taken a big hit to AAOA. Still a huge positive, and any step back will result in larger gains going forward.
  8. Yes, after I questioned KristofsMom in the thread (and she launched a rambling, nonsensical attack in return instead of explaining), that thread died two posts later.
  9. Yes, but nobody really wanted the product, right? You paid for the trade line, and that did not happen and likely never will.
  10. This stunk like a scam from the moment it was posted, so not surprised at all how it turned out.
  11. Walmart or a grocery store.Tried using it at Walmart today and csr saw the GC and said no way. She claimed it's illegal to buy MO with GC.Good thing that's not my regular Walmart. I have lost 2 of my local Walmarts in just the past 3weeks. Good thing going for me is I have literally 10 in a 15 mile radius. I did a 499.32 M/O at one that's not my regular and had no problem. Went back 2 days later and tried 1,000 and asked to see the cards. Walmarts policy clearly states that it has to be a pin based card with the word Debit on it. It says nothing at all having to have your name on it or it tie
  12. Amen. A few years ago, DW and I were in Virginia and got lunch at Hardee's. The receipt had a line item for a "Credit Card Fee" of 75 cents. It's not that much, but it's the principle of the thing. There was no signage anywhere that mentioned the fee. Apparently, that crap is legal in VA. It's illegal in FL, fortunately. Suffice it to say we will never enter that Hardee's again, ever. I do not understand why business would break out the charge? If I buy a hamburger off the dollar menu, I am not told that 15 cents goes to labor and 25 cents to food cost and 8 cents to utilitie
  13. Mine averages 2-3 per week, so yes, easily 100-150 per year. She also gets the Citi AA (personal, she has the business) and the Citi Double Cash 2-3 per week, sometimes alternating, sometimes both the same day. I could understand if there were suddenly an increased offer they wanted to tease with, but it is the same mailer every time.
  14. I agree. What do I care if they go out of business? I want the EQ trade line.
  15. When we lived in Maine, I was stunned by how few places accepted credit cards. None of the contractors I used to rehab the house, almost none of the shops/restaurants in town, even the town (taxes, water, pool fees, sports leagues, vehicle registrations) was cash/check only. Obviously, when in Portland it was much different, as close to a big city as Mainers get. I would never pay cash or debit anymore, unless I absolutely had no choice, like a street vendor.
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