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Apped for Lowes after reading about generous CLIs from them. (not to mention TU pull). Got the, call 800 number for additional review, message and initially approved for $1300. bleh. Called backdoor a couple hours later and spoke to some very nice lady from overseas about increasing to $25k. After a few minutes of reviewing my CR, "Unfortunately, we can ONLY approve you for $12k." Darn! haha Next goal, get back in with AMEX.

I went there to again put in a dispute on my only former address, and it is giving me the "Information does not match" message (now) and I am still waiting for the address to fall off.. I hope it will, as I made it the only item in my "dispute summary." has this happened to anyone else?

Sorry guys to post this, but i have been searching for a while now, and i guess i can only subscribe to a limited amount of threads... can someone link me the master list of UW phone #s? I can't seem to find them... Very embarrassed.

I've been locked out of the backdoor for a couple years now, which is fine. What bothers me is that every time I write TU to request an investigation, 100% of the time I get a letter back stating "Here is the copy of your credit report as requested" (Emphasis mine). I even send them a new letter stating what they did the last time was unacceptable and I am not requesting a report, but to open an investigation and even submit support documents. I opened a case with the CFPB, I'll let everyone know how that turns out. But how am I supposed to request an investigation when I can't dispute online or by mail? Has this happened to anyone else?

AmEx Oasis Program: 888-232-3261 AmEx: 800-567-1083 (App Status – Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull) AmEx: 800-230-1284 (Account Services – handles accounts with issues) AmEx: 800-700-7619 (Reserves – handles closed and charged-off accounts) AmEx Executive Office: 800-297-6197 American Express Credit Bureau Unit: 800-874-2717. (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.) Barclays: 888-232-0780 (Customer Care) Barclays: 866-408-4064 (Credit Analyst) Best Buy: 800-365-0292 (CSR) Best Buy App Status: 800-811-7276 Best Buy Store Card: 800-305-0533 BofA: 866-421-8153 (Credit analyst – existing cardholders) BofA: 888-503-6090 BofA: 877-721-9405 (App Status – Choose Option 3) BofA: 800-732-9194 BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 800-718-6072 (Credit analyst – for existing cardholders only) BofA: 800-881-4730 (Loan Dept.?) BofA Credit Dept. Fax: 888-500-6270 BofA/FIA: 888-831-4181 BP/Amoco App Status: 800-365-6204 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application status – automated only) Cap1: 800-889-9939 or 800-625-7866.(Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) Chase: 800-436-7927 (App status – automated) Chase: 888-270-2127 (App recon) Chase: 888-245-0625 (Credit Analyst – Recons) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chevron/Texaco Biz Card App Status: 888-243-8358 Chevron Underwriting: 800-243-8766 Citi: 888-201-4523 (New App Approval Status) Citi AA: 888-662-7759 Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453 Citi: 800-444-2568 (Retention Dept.) Citi: 800-763-9795 (App status?? They ask for your app #) Citi Credit Bureau Dispute Fax: 866-713-5028 Discover: 888-676-3695 (Recon) Discover: 866-219-0214 (Retention Dept.) Elan Financial Services: 800-685-7680 ExxonMobil Biz Card: 800-903-9966 FIA: 866-421-8153 (credit analyst) FIA: 800-893-6032 (credit analyst; 8 AM-7 PM Eastern, M-F) GE Moneybank (except WalMart): 866-419-4096 GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions) Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-551-0258 (Credit Analyst) HSBC: 866-280-0118 (Executive Resolution Unit) JC Penney: 800-542-0800 Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank MC: 800-288-4653 Keybank Credit Research Fax: 216-357-6404 Lowes: 800-445-6937 (App Status) Lowes: 866-232-7443 (Biz Acct. Underwriting) Lowes Fraud/Underwriting/Credit Dept.: 800-444-1408 Macy’s: 800-627-2909 (Credit Dept. – new credit, inquiries on upgrade to Visa AmEx, credit reporting issues) Macy’s: 800-543-9617 (Recovery Services) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Philips 66: 866-289-5630, 800-610-1961 Sallie Mae Visa: 877-564-7965 (Credit Dept.) Sallie Mae Visa: 877-903-7968 (Credit Analyst) Sam’s Club: 800-301-5546, 866-246-4282 (Underwriting) Sam’s Club/WalMart: 877-294-7541 (escalated help desk) Sears: 800-599-9710 (Comm’l Accts.) Sears: 866-533-1820 (Sears credit bureau dispute FAX number) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Target Biz Card: 800-440-5317 Target CSR No.866-225-7041. Tiffany: 800-770-0800 US Bank: 800-947-1444, 800-685-7680 (Underwriting) US Bank Corp. & Comm’l Cards: 800-344-5696 (may not be true backdoor number – someone please PM me if this is frontline CS. Thx! – Scamp) Valero: 877-882-5376 Wal-Mart: 800-480-0205 (personal accounts) Wal-Mart: 800-301-5546 (commercial accounts only) Wal-Mart Underwriting: 877-294-7548; 877-294-8770 WalMart/Sam’s Club: 877-294-7541 (escalated help desk) WaMu CSR: 800-356-0011, or 800-280-9441 WaMu: 888-687-2273 (Apps/New Accts) Wells Fargo: 866 677 1128 (credit analyst) Wright Express: 888-743-3893

As you know TU requires you to create an online account to begin the dispute process. I disputed my old addresses online. Well, I was notified by TU via email that the dispute was resolved and I could review the results. Well now, the result is all that I see. I can no longer access my report in a way where I can dispute additional information. I've called TU to no avail and have yet to get an explaination and have been guided by the rep(s)to just dispute over the phone. Any clues?

Searched for a backdoor, or underwriter, no luck. Anyone have success with this? Thanks!

So, a few days ago I stumbled upon the wondrous information in the credit pulls section of this site and started researching various cards. Based on this research, and recent looks at FAKO scores, I applied for and was approved for an Amex Green account. Then yesterday an Amex DSM with a 2k limit, I don't know which CRA they pulled though. I currently have 4 accounts with Cap one with low limits and since I haven't requested a CLI recently on any of them I decided to check. I was denied so I started checking through the posts here and I've gone through the sea of posts about backdoor s and see mixed posts in regard to cap one. It seems they changed there policies some time ago and was wondering if anyone has recently gotten results with any of the following numbers: Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application status - automated only) Cap1: 800-889-9939 or 800-625-7866.(Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.)

Greetings fellow credit restorators! I have opted out via this link provided by Master Why Chat (lol) https://www.optoutprescreen.com/?rf=t I printed that form, signed, dated, and mailed it. Is that proper protocol ? Have I opted out or should I then send the letter provided by PrivacyRightsNow to all my creditors? If the answer to that is yes - I mail those letters regular mail to the billing address i have for them? How long do i then wait to mail the address correction letters to the CRA's? & last question (I think) is are the following the correct addresses for the CRA's? These are the ones that are listed when I pulled my report from annualcreditreport.com. Transunion - Fraud Victim Assistance Unit , PO Box 6790, Fullerton, CA 92834-6790 Equifax - Equifax Information Services LLC, PO BOX 105167, Atlanta GA 30348 Experian - NCAC, PO Box 9701, Allen, TX 75013 Oh no that isn't the last question - I am correct that the NJ SOL for medical disputes is 4 years? I've been reading these forums for a few months now & I can't seem to figure out what the term back door means.