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Found 9 results

  1. So after 26 months of war, I awoke today and ran my reports to find US Bank decided they did not want to be sued, did not want to deal with me anymore, and removed the account. I beat them through persistence. I beat them by knowing the rules of the game better than their CSR's did. Hell, I beat them by knowing the rules better than the people in their credit reporting department did. I beat them by catching them in lies and in violations I never would have caught if not for this board and all the people here who take so much time to help others. As an added bonus, an old paid judgmen
  2. A while back, I waged quite a battle with US Bank over how my account history was being reported. This progressed all the way to the executive office. In the end, they basically told me NO. Despite my providing documentation to prove they were reporting incorrectly. By then, I had been approved for a mortgage on the new house I was purchasing, and I was weary from the fight. I should not have let it go, but I moved on. Fast forward 16 months, and I am again relocating and shopping for mortgages. One of the things the loan office had questions about, of course, was the US Bank mortgage. Ann
  3. Now issued by US Bank. How difficult is it to get? How BK friendly are they? Whom do they pull?
  4. They pulled Experian I have 675 FICO and a 4 year relationship with Checking and Savings. 19 months past BK Discharge. They denied me 8 months ago because of BK. I will call credit analyst Monday. What should I say????
  5. US Bank has added Gym/Fitness Centers as a category to their (not as awesome now) Cash+ card. Of course, this doesn't make up for the loss of the bill pay category for many people (or Hotels or Travel, for people who enjoyed those categories), but it's nice, especially if your gym's billing method lets you get cash back on pricier options like personal training or cross-fit and the like. Combined with the cell phone category, this makes a good sock drawer card loaded up with those auto-paid bills (though some still prefer the fast food/restaurants combo for 5% dining), as I don't imagi
  6. A few days ago I applied for Club Carlson after being denied 3 months ago (I never put ARS/IDA on ice until recently). So it instantly goes to 7-10 day review. I waited 24 hours and saw they didn't even bother to HP. Since it was after hours I foolishly assumed it was auto-rejected due to the prior app. So, I applied for the Flexperks Travel card, which said I was approved for $7k, 16.99% APR and was asked to either accept those terms or cancel. I accepted. Fast forward another 24 hours and the automated system can't find any record of any apps and it connects me to a rather surly CSR
  7. Are there any recent US Bank secured credit card graduates? Am looking for some insight on length of time before receiving conversion or if I need to instigate the request. I've had this card for a year and 3 or 4 months. Just completed a 0% balance transfer offer with NFCU and wondered if now would be a good time to try to get the card unsecured. I still have some baddies on my reports and not sure if I should hold for my NFCU cards to report or try to get USB to graduate before they hit my credit reports? Any insight, experience or opinions? As always, much appreciation!
  8. Searched for a backdoor, or underwriter, no luck. Anyone have success with this? Thanks!
  9. As previously noted, a friend was having issues with US Bank, specifically errors in the reporting of the monthly statuses from 2012. Prior to 2012, there were numerous lates and even the start of the foreclosure process, which were not in dispute. Along with the diligent efforts to get the 2012 errors corrected, a separate goodwill letter was sent asking if anything could be done about the earlier lates? OK, no progress on the 2012 issue, and friend has been assured by US Bank that will be resolved by COB on Tuesday the 11th. However, yesterday ALL lates prior to May 2011 were remove
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