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  1. Many moons ago I was part of CB (can’t for the life of me remember my screen name) and did a lot of credit report removing baddies and re-establishing credit. In February 2007 I opened a National City Credit card (secured that did not report as secured) and worked like crazy get all the baddies (judgments, collections, lates…you name it). By 2008 I had been approved for a Wal-Mart, Target, and Chevron cards. These were followed by two CitiCards and an HSBC card. I moved from California to NYC in late 2008 just as the financial crisis hit and did my best to stay afloat. Unfortunately
  2. http://www.reuters.com/article/2013/03/07/usa-banks-creditcards-probe-idUSL1N0BWM3I20130307 When the banks sell delinquent credit card debt to the JDB's they provide very little information - just a list of accounts, names addresses and SS#'s if they have it. and most times, the accounts are sold " without recourse " - meaning that the banks don't guarantee that this information is correct , and there is no recourse available to the JDB's if the accounts sold were disputed, ID theft or due to additional charges after the consumer paid off the account. The JDB's then us
  3. Hello all, I am wondering if anyone else has experience/advice to offer on this predicament. I have 6 cards, listed below for reference: Bank of America Cash Rewards Visa Sig $10k/9.99 (6/2010) Citi Diamond Preferred MasterCard $10.2k/11.99 (10/2012) Chase Freedom Visa Sig $10k/15.24 (1/2012) (Call in to the EO about reducing the APR, given how much I spend, good luck to me though with Chase's stubbornness) Amex BCE $12.6k/10.24 (9/2011) Barclay Ring MC $5k/8.0 (4/2012) Discover IT $19k/11.99 (9/2012) (Yes, subprime Discover loves to give me $4-5k soft pull increases every few mo
  4. My 350th Post!! Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ. Her Scores: Exp : 789 TU : 798 Eq : 806 Over the last fourteen day app spree, she's scored: AMEX EDC - $9,400 to $28,200 NFCU Flagship - $10,000 NASA Visa - $13,000 BECU - $25,000 BOA - $8,200 > $16,400 USAA - $16,000 Citi - $13,000 For a total of $104,000 in new credit! She did apply for a second NFCU card, that's still under review. Off to the garden till n
  5. http://creditcards.citicards.com/usc/doublecash/2014/Aug/external/default.htm?BT_TX=1&ProspectID=7BAEA0FFC79342CAA8E7EF7FE1D51644
  6. My DW emailed the Citibank CEO asking for a goodwill deletion. They called her to get account info, then responded by letter a few days later that stated in part: Do you think hey misunderstood our request? We are asking for deletion from the Credit Bureaus, not from their own internal records.
  7. AAOA already destroyed due to new accts. This is one of the last links left. App is in and new EX Pin pulled. All I have to do is call it in. Do I really want to though? Just did the WEMC Platinum in May, spend complete.
  8. I paid this debt off in settlement before I knew about the wonderful creditboards. I was bullied by Rubin & Rothman LLC associate that they will sue blah bah blah, that kept calling my phone, and eventually I agreed to pay $10,000 on $20.000/50% debt over a 6 months term. I paid the debt off as agreed. but Citi Card still reporting negative on CRA account... To add insult to injury I was hit with a Forgive Fed. Debt by the IRS ($7,600) for both NYC Federal ($1,212.58 paid) & NYC State ($1,000.3 still pending just received it last week). Collectively I paid more than half. If I knew wh
  9. Hi My journey to repairing my credit. I have noticed that 4 negative TL that have blank 'Address identification number' on my TU. I'm wondering is there anyway I can dispute these negatives base on the fact that the TL isn't tied to any of the several addresses variation reporting on TU? e.g, CHASE BANK USA, Address Identification number: BLANK Stauts: Closed. $1,289 past due as of Dec 2010 Date Opend: 10/2001 Last Reported: 12/2010 Original Amount: $4,422 Comment: Purchased by another lender. I've don't recall having a Chase account. I think the account is an
  10. Thank you CB'rs for all of the great info! I've been lurking for a couple of weeks and have already read PsychDoc's transcripts, ordered reports, triaged them, opted out, disputed old names and addresses, sent out a couple of Goodwill letters. I would have never known how to attack this without this great resource! Now I need to take my clean up efforts to the next level. I have two CO's that I would like to have deleted that were incurred when I lost my job in 2009 and had to relo to a new city and support homes in both locations. Need some advice on how to approach these. Chase -
  11. Earn 100,000 American Airlines AAdvantage® bonus miles after you make $10,000 in purchases within 3 months of account opening.2 Plus, earn up to $200 in statement credits on purchases within 12 months of account opening.3 Enjoy these VIP benefits for an annual fee of $450* https://creditcards.citicards.com/usc/Travel/AA/2013/q3/Exec/GA/default.htm?BT_TX=1&ProspectID=8289431BF5BC49478648B92A43DF07A8 Just sharing for those who might be interested.
  12. I burned Citi, BofA and Amex almost 7 years ago. My spouse tried to add me as an AU to AMEX and it was a no go. (No shock but worth a try.) Can I be added as an AU to our BofA AMEX or will I be declined because of BofA and/or AMEX? Same question with citi. Do they blacklist AUs like AMEX or only primary account holders. I tried multiple searches for the answer to these questions but it is impossible to search for AU. TIA
  13. Wish I would have known about this link before I applied for my 30k miles card last month. Here's the link if you're interested. I have not verified it because I have not applied but it seems kosher. With this and the US Airways card from Barclays you could eventually have 80k in American Airlines miles after the merger. http://www.aa.com/pubcontent/en_US/disclaimers/BP-PLATHV.jsp
  14. I'm still in shock. My BB store card with a toy limit of $400, that was never eligible for CLIs while at Capital One, just got a CLI to $5,000 via the Citi EO. Here's the story: Almost two years ago I opened a BB retail store card thru Cap1. Our family already had two individual RZ MC cards thru Cap1, and this account was opened with high expectations at time of sale inside a local store. Sadly, the approval was for a Plan B $400 account that could not be upgraded or receive limit increases while at Cap1. As we all know, Citi bought the BB card portfolio from Cap1 earlier this year.
  15. At the beginning of September I opened up a Chase Freedom ($1200) a Citi Preferred Diamond ($1500) and a Green Card AMEX (I've had a balance as high as $2200). I've used all the cards but PIF all of them, usually multiple times within the billing cycle. Now I'm coming up to 61 days and am wondering if I should start asking for some increases with Chase and Citi. Can anyone shine some light on this for me? I applied to TrueEarnings AMEX (I'm a Costco member) but was denied, one of the main factors was my limited time (I had applied for TE at the same time as the Green), would now be a good
  16. With the fraudulent charges from Capital One days, in June. I log into my account and I see no changes. Called them two weeks ago, they said "just wait" (basically.) Capital One sent me new card, Citi re-issued me a new account number (again).... What is happening there???????? Are they maybe just waiting the full one month, or three months like it was in 2008 with Rushcard and then on Day 91 all the charges get reversed and I receive the credits, and I am "back on track" on my credit repair??? Should I call them again?? Again.. WHAT are they doing??
  17. So I decided to ask for a CLI on my BB former Cap1 now Citi 500.00 dollar limit store card and received a little present today in the form of a HP on TU. When I asked for the CLI online, I don't recall if they said there would be a hard pull or not. If they would have said it was a HP I would not have requested the CLI. I got a "we need to review your account" message at first, and then today I got another message letting me know I will know the decision for my CLI by mail in 7-10 days. At least I can B* it but I also wish they would have been more clear.
  18. Has anyone had any luck recently getting CITI to pull Transunion with EXP on the Freeze? I know some have had luck calling or emailing Donna in the Citi Exc. offices. Not sure if this method still works??? Can anyone provide an update?
  19. Hey All Just a quick update, I decided to apply for the Citi Platinum Select / AAdvantage World MasterCard yesterday for the 50,000 mile promo they had offered. http://www.aa.com/pubcontent/en_US/disclaimers/BP-PLATHV.jsp I received the dreaded 7-10 day message and figured it was a loss. Next morning I looked on my reports and saw they did a double pull Experian/Equifax and was even more upset. A short while ago I missed a call from Citi with a security code asking me to call back and provide that 4 digit security code. I did as requested, they verified my information and asked
  20. For the past few months, I have been receiving "pre-selected" offers in the mail to apply for the Citi Diamond Preferred Card. I know this is not the same thing as "pre-approved" but I am wondering if I am likely to get approved if I apply for it? Here are my FICOs: EX: 635 EQ: 662 TU: 644 I would just be using this card to increase my available credit line and maybe as a way to get in with Citi and convert to a better card later. I likely would use it because it seems to be a balance transfer card and does not offer any rewards on charges.
  21. I have a credit card with Best Buy that I have had for over 4 years. They just switched their credit provider to Citi and unfortunately HSBC closed my account. Citi did pick up my account so i didn't lose the credit over all but now it looks like a brand new card on my credit report and lowers my average open credit age which in turn hurts my credit. I'm in the middle of building/rebuilding my credit so this is actually kind of a big hit, what can I do? Is there any way for the credit report companies to recognize the new account with the same age as the old account??
  22. Just in the last week I've had all kinds of weirdness happen with my credit monitoring/ daily puller accounts. MyPrivacyMatters through EliminateIDTheft has locked me out of my account because they can't figure out how to charge certain credit cards. I called customer service and was told, very nonchalantly, that their system has problems processing MasterCard, AMEX, and/or anyone with Hotmail accounts. So, I gave them a VISA card, they said thanks, hung up and I'm still locked out. And they don't seem to answer ANY emails. Worst customer service ever. Call 'em and see. USAA errored ou
  23. I recently had myself removed as an AU on my wife's Citi card since we were moving a balance there and I didn't want the utilization tanking my scores. On MPM the account reports to all 3 with the new balance and payment but shows "Responsibility: Terminated". I'm waiting for the next billing cycle to see if it updates again and will also get paper copies before I proceed, but I am wondering if others have seen this before. Is it just a matter of disputing the trade line off directly with the CRAs? Also, had I know this, I probably would have timed it better... remove AU before the BT. You
  24. Hi There, Hope everyone is having a great day... Was just curious (something to reach for) what is the most desired prime card out there these days... ? Who is offering the biggest Bang for our good credit scores. Best Rewards, Miles, Case Back, Customer Service and such. Opinions...
  25. I have an account that JUST went into collections. It is a Sears/Citibank account now being handled by UCB (United Collections Bureau). I called Sears (CitiBank) to discuss options and I was dismissed and immediately forwarded to UCB without discussion. A UCB agent offered a 50% settlement and the credit report would read "settled in full". From my research, that's not really much better than the active collection. The debt. It's mine. $3100. It's legit. Life happened, an oversight happened. Although 50% sounds great, I would rather pay 100% if it means deletion from my credit re
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