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Found 14 results

  1. A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions. I can continuously update this first post with the latest information if everyone will post to this thread. I'll make the change and acknowledge. We deeply appre
  2. Hi everyone. I just have a question on deciding if I should pay this in full or over the next few month. I had to file chapter 13 in 2015. I’ve been rebuilding since discharged in June 2019. I’ve done really good with CC’s since then. I was approved for 3k with PayPal credit. I only use it for purchases over 100 so I can get 0% for 6 months. I owe $1300 on it now. (Christmas) It will be interest free until June. I needed a an installment loan so I got $3600 via Upstart. I refused more because I just need the trade line. My question is do I just pay $350 over the next few month
  3. This is a quick spreadsheet from my latest free Experian Fico Report. Experian says my oldest account is 22.6 years. It is an open in good standing Ben Bridge Jewelers cc that I have not used in probably 20 years. Interesting that Ben Bridge told me five years ago they never close inactive accounts so it is really helping my age of accounts. My other accounts are really new as you can see in the spreadsheet. I have been gardening for almost a year because I didn't want to do more damage to my AAOA's which is at 5.8 years. If I applied for say a CSP card what would be my
  4. the monthly subscription went up to $39.95 a month.
  5. This discussion had come up several times recently, so I thought we would have a clear thread on this subject. Who does this help? People with clean reports. What does it do? It helps you eek out every point possible from the utilization portion of FICO scoring. What do you do? Let $2 report on 1 card and have the rest report $0. Why $2? Because you want non-zero utilization reporting on 1 card that is included in FICO utilization calculations. Experimenting with amounts lower than $2 has often resulted in the balance being credited to $0, so $2 is the smallest "non-zero" amou
  6. My son got a CLI request denial from NFCU after pulling EQ, the reason given: You've reached Navy Federal's maximum unsecured credit limit. He has a Visa at $20K, for which he requested the CLI, and a NavChek overdraft LOC account at $3K. He is also an AU on my card at $80K. Does NFCU include AU accounts when deciding the maximum unsecured credit limit? If so, do I just need to remove him as AU and have him ask for reconsideration? If approved, if he is subsequently re-added as AU, will they take adverse action? Has anyone else seen this in action before
  7. So I'm pretty firmly in gardening mode, but it occurred to me...what ever happened to HSBC? To Santander? What about Sabadell's US footprint, or IBERIABANK's? So I check em out, and hey, they apparently still service US markets, they just don't...advertise. Now, none of the offerings were compelling, but it begs the question: What unadvertised or underadvertised cards are you keeping an eye on, or have app'd recently? What other banking institutions are being quiet these days? Any international ones we can crack into without special tricks?
  8. Hello I wanted some clarification on when NFCU does their Annual Reviews? Also I wanted to verify if you applied for a CLI after they pulled your report they wouldn't pull again? I have added some quality cards and refinances and the inquiries are moving higher than I would like. Thanks
  9. Hello I have a Collection Account on Transunion from Plaza Services and apparently they only report to TU. I have never recieved a dunning letter from them or any letters. I have lived in the same address 15 years. I sent Plaza Services a letter for proof etc with no word back and disputed with TU. TU came back as verified today with no other explanation etc. I could use help from here as I haven't had this happen before with a dispute. Thanks
  10. Two years ago I started cleaning up my credit following the strategies posted on CB. In June of 2017 I had no FICO score on TU and circa mid 500s on EQ and EX. Since then I have raised my scores across the board to + 820 with a total unsecured CL +245K. I received a letter from AMEX today, after not hearing anything from them since 2010 offering to settle a 17K balance for 5.5K I defaulted on in 2010. I really don't care if I have an AMEX and am curious as to why they just now decided to reach out with this offer. Is this typical of AMEX? Thank
  11. I am a longtime reader of CB, mostly as a student, learning about credit from those much smarter and experienced than me. For that, I am grateful! I hope to get some guidance on my specific situation. Opened a Marriott Rewards Visa two years ago. After opening, my situation changed. We are now caregivers of an ailing relative and travel options are limited. All of my free annual night certificates have expired unused. I must travel for work 2-3 times a year, but no family travel has resulted in minimal point earnings (133,000, but 50,000 was my sign-up bonus). In Jul
  12. 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?
  13. I do not where else to put this so I am wondering if its smart to take home a company car for $128 every month 64 every 2 weeks. Fuel, maintenance is included.
  14. I searched for Santander here for info and found they are not looked too favorable on here (I already do not like them). I financed a car with Alphera last May (14 E-Series MB coming off lease). Alittle about my credit-got divorced in 06 with some late mortg. payments and CC pmts-waited it out buying cash cars and not using my credit. Went to buy car in 13 (all baddies were off) and had no score. Used a strong Co-signor with WF Dealer Serv to buy 10 STS with 2.9%-opened a $500 secured CC (my bank-Amegy), then a Discount Tire Card (since paid off but use if for gas from time to time), then
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