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Found 43 results

  1. I've had My Wayfair, Hsn and Victoria Secret accouns for 1 yr and 6 months and no auto cli on any of those accounts. I'm not familiar with the luv button but to be clear if I click the "request credit increase" button it won't result in a hp? When I click that button it's requesting my annual income is that normal?
  2. I started my business about a year ago but only recently did i begin to be interested in business credit. I read a lot of posts mostly from 2-3 years ago about net30 business credit accounts. i decided to get my feet wet. I was able to get an immediate net30 account with Quill and Uline. I made an order with Grainger and will make another couple of orders and check them in 90 days to see if they will give me a net30 account. I got a partially secured BP card and an Edge (Pilot/Flying J) fuel account. I'm also using Monopolize Your Marketplace and Jason Adams Transport for my beginner credit. I'll keep tabs and come back to make updates...
  3. Wells FargoWells Fargo is launching a new rewards credit card, a revamped iteration of its Propel Card. The card will earn 3x points per dollar spent on dining, transit and travel, and streaming services, and 1x point on everything else. Points can be redeemed at 1¢ each toward cash, gift cards, travel, or more. The new Propel will have no annual fee. The card directly competes with premium products like the Chase Sapphire Reserve, although that card potentially offers a higher redemption value. Applications for the new Propel will be available on July 16. If you're interested in opening a new card or earning a sign-up bonus sooner, read our guide to the best credit card rewards, bonuses, and perks currently available. Wells Fargo is announcing a new rewards credit card today that will offer one of the more compelling rewards programs available, taking direct aim at the premium products offered by issuers like Chase. Despite offering a robust rewards scheme, the card will have no annual fee. The card is a re-launched version of the bank's Propel Card, which was available in the past, before being closed to new applicants in February. Current customers of the original Propel will be converted to the new card and benefits automatically. In what seems to be a direct assault on the popular Chase Sapphire Reserve, the new Propel card will offer 3x points per dollar spent on the same categories as that card — specifically, dining, including restaurants and bars, and travel, which includes bars and restaurant delivery services. Additionally, the card will offer 3x points on streaming services, and 1x point on everything else. The Propel Card, while issued by Wells Fargo, will run through American Express' payment network, and will consequently offer a number of purchase protections and offers through Amex. Points are redeemable for 1¢ each toward cash back, gift cards, purchasing travel, or more. In this area, the Chase Sapphire Reserve carries an advantage in spite of its annual fee; points from that card are worth 1¢ as cash back, 1.5¢ toward travel purchased through Chase, or a variable value when transferred to frequent flyer partners— potentially well over 1.5¢ each. Despite the relative redemption limitations, the Wells Fargo offering remains a surprisingly strong contender from a bank that's been less of a major player in the rewards space, and a valid option for consumers looking for a more straightforward rewards program than what Chase offers. "Points can be redeemed for travel, gift cards, charity donations, or cash back at a rate of 1 cent per point, so effectively you'll get 3 cents per dollar spent on travel, dining, gas and streaming services," said Brian Kelly, Founder and CEO of travel and credit card rewards website The Points Guy (a partner of Business Insider). "That's a solid return, especially for a no-fee card." According to Bev Anderson, Wells Fargo's head of Cards and Retail Services, the card's rewards program was designed directly based on customer feedback. "We sat down with a diverse group of customers, including millennials and older generations. We wanted to understand what they like about their cards today, and what they want to see more of" said Anderson. "We built the Propel around the feedback we received, and planned a product for sustainability." While the Propel does not allow you to transfer points to frequent flyer programs like the Chase Sapphire Reserve does — which can be a more complicated redemption method, but can also allow customers to get outsized value for their points — the simplicity of redemption is expected to appeal more to customers. "We're continuing to innovate, and the ability to transfer points, as well as other features, is in our potential roadmap," said Anderson. "In the meantime, we believe customers will enjoy the ability to redeem for travel, money, or gift cards at a full value of one cent per point, regardless of redemption method." The credit cards rewards space continues to become more competitive, with Chase,American Express, Capital One, and Barclays all competing for a new breed of rewards-savvy customers all seeking to maximize value from their consumer credit cards while avoiding carrying balances and paying interest. For Wells Fargo, however, there's another reason to offer a truly compelling product like the new Propel. "We as a company are excited to demonstrate our commitment to our customers," said Anderson. "The Propel is a proof point for our brand and the work that we're doing to rebuild trust with our customers," she said, referring to the scandal in which bank employees opened 3.5 million unauthorized accounts in customers' names. The new Propel Card will offer a sign-up bonus of 30,000 points — worth $300 — when you apply for a new card and spend $3,000 in the first three months. The online application for the new Propel Card will be available on Monday, July 16.
  4. Anyone applied for this card and approved or denied? What were your scores, initial CL? Having a history with Fidelity help? There are very few entries in credit pulls db. I have recently opened CMA, brokerage accounts, and a 40 month old 401K account with Fidelity. I am thinking of applying in a month. I am looking for a decent CL and wary of low CLs US Bank/ELAN is known for. Thanks in adavance.
  5. I got denial from Barclays for a Uber credit card on June 30, 2018 with the following reason: Sufficient credit is available on your account issued by Barclays Bank, Delaware I'm wondering if it is worth doing reconsideration? Will they hard pull a second time?
  6. https://www.postandcourier.com/business/harris-teeter-offers-savings-with-new-credit-card/article_64b1c8b2-9058-11e8-b9eb-c34bd8b0c33b.html US SKANK
  7. I'm purchasing a used car thru Avis Rent A Car's used car sales department and they use Innovative Funding Services for their financing. I have never heard of them and was interested if anyone here had used them before and what was their experience like.
  8. Do purchases on Discover AU cards also get the double cash back the first year? (assuming the primary is getting the double cash back obviously) Can Discover AU's set up their own online login for Discover Deals access? Do Discover AU's have unique card numbers? Can you have 3 AU's on a Discover card?
  9. Okay, I know it's all a matter of going to the dealer and just finding out for myself. But I just wanted to get some advice on the outside first. I am trying to lease a 2018 Jeep Wrangler JL priced at $39,000 My current score is a 712 with transunion at least 1 negative item, Medical Bill, that just reported last month. Accounts in good standing: Discover Secured Card - Limit: $400 - 9 months of on time payments, no lates. Very low balance, I only use it for gas and a bite to eat every blue moon. Credit Union Secured Card - Limit: $500 - 4 months of on time payments, no lates. However, the card is maxed out I used it to pay for a dental procedure that wasn't covered by my insurance, but I am paying on it and will not spend from the card. Credit Builder Loan with my Credit union - $1000 - 2 months of on time payments, no lates. This is reporting as installment and after 1 year of making on time payments, I will receive 50% of the interest back, so it's kind of like I'm saving and building credit. Auto Loan: $8,800 - 5 months - Owe $3,000 left on the car, but do not want to trade in, as I have given the car to my mom. - No late - Perfect History. I am almost done paying the car off in just 9 months. I got into a bad deal, simply because when I got the car I didn't have any credit, and I had little money for a down payment, was desperate and needed to get to work and school at the time. So I put in crazy work hours and has been paying $760 each month towards my car payments and took part of my tax refund check and paid towards my card. The balance is only $3000. So from here I'll just make the original monthly payment of $220 and my mom will start paying $200.00. My mom car went out last week and she needs a car she has a home cleaning business with my aunt and she need a car to get around. So she take me to work until I get my own car. That's the ordeal. However, I just graduated last month and my job has promoted me to an Accountant ll, I've been with the company since I was 21 and I just turned 26 so I have solid job time. I'm now making $65k a year. What are my chances of leasing a $39,000 Jeep?
  10. Credit Application: Your Age? 38 Your Equifax Credit Score? 600 Your Experian Credit Score? 720 Your TransUnion Credit Score? 700 How many years have you been on file with Equifax? 10 How many years have you been on file with Experian? 10 How many years have you been on file with TransUnion? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes - 72 month loan, will have it paid off in full in 36 months through GM Financial Will this open auto loan be a trade-in? Yes - Nearly paid off or paid in full at time of trade. How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? GM Financial Your current open auto loan payment is? Loan - $631 - I pay $750 monthly and am about to take it to roughly $2k/monthly to knock it out. Estimated amount you may be upside down in this vehicle? Currently close to even at 22,000 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 12 months Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? $2400.00 (my wife pays 1000 of that so $1400 is my part) How long have you held your current job? 1 years Your total provable monthly gross income is? $10,000 - $10,500 (varies with bonus) Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $5,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes - Currently 1 medical collection on all three - trying to get it removed. If yes, please very briefly describe. 1 medical collection on all three. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 **** Possible issue - have an account that was repo'd and charged off 5 years ago and has now been settled with Ally financial **** New or Used vehicle you are considering: Please very briefly describe. New - Lexus GX 460 - Approx $52k - 62k (depending on which model)- Will have $5k in cash plus my trade will be worth around 15-18,000 at time of trade.
  11. My wife is one of those people who seems to get away without ever suffering the consequences of her actions. Recently she decided she didnt like her truck any more and wanted to trade it in for a Jeep. She went to a dealer, picked out a used Jeep and filled out the financing paperwork. Jeep was $30,000, trade in basically covered what she still owed on the truck. Yearly income: $42,000 Own or rent? Own Mortgage payment: $7016/mo Credit score (from dealer pull): 525 The salesman looked at her like she was crazy but submitted it anyway. Ally approved her with $0 down and 5% interest. I recently bought a new car also. 750 credit score. Ally made me put $5000 down and gave me 7% interest. WTF?
  12. We needed a second vehicle. I bit the bullet and bought a Jeep last weekend here in PA. I paid the $29.00 to pull my auto enhanced ficos from myfico, installed the app on my phone so I knew what kind of APR I was in for. My Auto Fico Score 8 was EQ646, TU676 and EX645. The APR on the app told me I would get 10% APR. The dealer submitted my finance request to 3 lenders - Cap 1, Wells Fargo and Ally Bank. Ally came back with 11%, Capital One at 17% and Wells Fargo at 18%. I was going to walk away, and go back to waiting a bit longer when they came back to tell me Wells Fargo came back at 7% for some reason. I already have a loan with them for my Minivan so I took the deal and walked away with a 2017 Jeep Patriot. Thanks CB. While I know I wouldn't have gotten the greatest APR on this, I am now done on obtaining credit and vehicles. It's time to let things sit for a while and pay down my debt. Another thing I was told was that in PA, TransUnion is the primary pull for lenders for auto... Not sure how true this is.
  13. Buying my lease out and ussa approved me at 3.8%...Said they could possibly go lower if I got competitors offer st a lower apr. Any other lenders offering low aprs on car loans? Thanks Sent from my SM-G955U using Tapatalk
  14. Credit Application: Your Age? 48 Your Equifax Credit Score? 579 Your Experian Credit Score? 593 Your TransUnion Credit Score? 575 How many years have you been on file with Equifax? 25 How many years have you been on file with Experian? 25 How many years have you been on file with TransUnion? 25 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? yes How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Bridgecrest Your current open auto loan payment is? Loan - $425 Estimated amount you may be upside down in this vehicle? Approx, $2500 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 13 Total percentage utilized overall? 52% How many of your revolving accounts are store cards? 6 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 7 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 YOUR PERSONAL INFORMATION How long at your current residence? 12 months Do you Rent or have a Mortgage, or Live w/Relative or Other? rent Your Monthly Rent or Mortgage payment? $1200.00 How long have you held your current job? 1 years Your total provable monthly gross income is? $8333 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 7 collections Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. 2012 -2014 Ford F150 pickup Thanks in advance! Sent from my SM-G965U using Tapatalk
  15. Credit Application: Your Age: 48 Your Equifax Credit Score: 639 Your Experian Credit Score: 660 Your TransUnion Credit Score: 652 How long have you been on file with the CRA?s? 25 years Previous Automotive Credit History: Defaulted loan in 1994. No loan since. Do you have an open auto loan? No Will this loan be a trade-in? No Number of late pays within the last 12 months on the currently open loan? N/A Number of late pays within the last 13-24 months on the currently open loan? N/A Current open auto loan is financed with? N/A Current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (10=BEST) N/A Revolving Credit History: Total number of revolving accounts? 5 Total percent utilization overall? 29% Your Information: How long at residence? 2 years Rent/Homeowner/Live with relative? Rent--just bought a week ago. Not reporting yet. How long at current job? 9 years, 4 months. Total Provable MONTHLY GROSS INCOME? $59,000 Provable via computerized paystub or what method? Computerized pay stubs. Your Downpayment in CASH: $2,000 Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT. Does any credit repository contain any Public Record? Is so, please describe. Yes, Ch. 7 BK, Discharged May 2011 Does any credit repository contain any Collection Account(s) If so, please describe. Yes, CACH, "OPEN" $313.00 total. No activity since JUNE 2015 New or Used Vehicle you are considering; please describe: BMW X3 2016-2017 Carmax Your creditworthiness on a scale of 1-10 with 10 being the best: OVERALL credit: Installment Credit History: None Revolving Credit History: 7
  16. 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 late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Loan – Huntington, Lease – GM Financial Your current open auto loan payment is? Loan - $335, Lease – $655. Estimated amount you may be upside down in this vehicle? Will owe approximately $3,000 for mileage overage and tires Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 21 Total percentage utilized overall? 60% How many of your revolving accounts are store cards? 5 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 16 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 30 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Own Your Monthly Rent or Mortgage payment? $1220.00 How long have you held your current job? 3.5 years Your total provable monthly gross income is? $10,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $5,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 (only not a 10 due to utilization) Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 39-month Lease ending on 2015 Buick Enclave. Would like to replace with a similar lease on 2018 Enclave or would consider purchasing a 2018 Enclave on 72-month loan if easier approval than another lease and payments could be kept similar to current. Thanks...
  17. Credit Application: Your Age? 36 Your Equifax Credit Score? 686 Your Experian Credit Score? 680 Your TransUnion Credit Score? 700 How many years have you been on file with Equifax? 18 How many years have you been on file with Experian? 18 How many years have you been on file with TransUnion? 18 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Wells Fargo Dealer Services Your current open auto loan payment is? 646 Estimated amount you may be upside down in this vehicle? 1k Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 10 Total percentage utilized overall? 30% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 8 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $1700 How long have you held your current job? 18 years Your total provable monthly gross income is? $7500 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. CHP 13 BK discharged in may of 2016 Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2018 Indian Chiefyian Motorcycle $20,000 Thanks...
  18. Yes, I have looked around on here for a list like this, but I can be blind as a bat... I am ONLY looking to join one or more credit unions for some decent savings rates (savings accounts and/or CDs); I am NOT looking for any new credit right now (I'm gardening). I just don't want/need any more hard pulls for the immediately foreseeable future. Is there a master list of credit unions that do not require a hard credit pull for membership (if no credit products are desired)? I definitely want the Patelco new member CD @ 5.0% APR ($1000 max for 12 months), and I'm looking for other opportunities to store some liquid assets.

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