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Found 71 results

  1. https://www.nerdwallet.com/blog/credit-cards/amalgamated-bank-of-chicago-5x-quarterly-bonus-categories/
  2. Pre approved Blaze MC offer. Sent to shredder. Pre approved Sync BP Visa offer. Sent to shredder.
  3. Darealiz12

    Net 30 Vendor Account Updates

    Just thought I would post this in order to save someone else some time. After waiting for about 2-3 months for my trade lines to post to no avail, I decided to make some phone calls to vendors who I thought may report to DNB. Here are my results: Quill - Still reports. Have to make a purchase of at least $50 and wait 19 days to pay it. (I hate this personally) Uline - Still reports. Not sure what their terms are. Grainger - Have not been able to get an account with them because they are saying you must be incorporated for at least 3 months until they approve an account with you. EzPromos - Do not report Amsterdam Printing - Do not report SupplyWorks - Do not report MSC Industrial - Do not report These are based on the individuals I spoke with in each respective business's credit department. If anyone has their purchases reporting with the vendors that I stated do not report, feel free to comment and start a discussion. Also, if anyone know of any other Net30 vendors that reports to DNB, lets start a thread.
  4. https://www.nerdwallet.com/blog/credit-cards/citi-rewards-plus-credit-card-everyday-purchases/
  5. Doctor of Credit announced today that there exists a rumour that... Amex's Green Charge Card will get bonus categories 4x "gas" 3x "streaming" and... some form of Amazon Prime membership conjoined with some higher annual fee. It seems that Amex continues to play the "rewards game".
  6. ****PORTFOLIO RECOVERY ASSOCIATES NOW DOES PAYMENT FOR DELETE**** PORTFOLIO RECOVERY HAS RECENTLY CHANGED THEIR GUIDELINES AND WHEN YOU GO TO THEIR SITE THE NEW PAYMENT FOR DELETE ADDITION POPS UP. I was able to do a payment for delete with no problem on 11/28/2018. I have not looked on here to see if there has already been another post. It will come off all 3 credit reporting agencies within 30 DAYS.
  7. Hi everyone, I am hoping to get some advice from the community here. I have an open CFPB complaint against HSBC. To give a gist, I have one of their credit cards with a hefty annual fee. After nearly a year of using the card, I did not enjoy its rewards and continuing with the card does not make any sense. I requested the bank for a product change and downgrade my card, but HSBC told me that this particular card is not eligible for a product change, and that I must close the card itself and simply apply for a new one. Since closing my card would affect my credit history, I requested HSBC to reconsider my request, but the bank still refused to downgrade the card saying that it was part of the TnC. When I disputed that such a condition for no-product-change was never mentioned in the TnC that I signed, the bank refused to entertain me any further. Following the above situation, I filed a complaint to CFPB. Interestingly, the next day I received a mail in my 'Promotions' folder from HSBC stating that an Arbitration clause is being added to my Terms & Conditions. I promptly went ahead and mailed them a rejection notice. Following this, HSBC has now responded to my CFPB complaint saying that, it needs another 60 days to look into my complaint. At this point, it looks to me that HSBC is simply trying to stall me, so that next month, I get charged the annual fee again (that's when the card completes 1 year). This essentially means that they are free to give whatever resolution they want. And if I close the card before that, the whole point of the CFPB complaint is defeated. Is it checkmate for me, or are there still any options left?
  8. I just woke up and saw an email from Experian Credit Tracker for: 1. New account from ELAN reporting on the report 2.. Credit limit increase from $1,000 to $3,000 on my Target/TD Bank account. I don't know why TD Bank is doing CLIs. I have a few CLIs report recently. But TD Bank has no pattern for CLIs. May be I should call and ask. :-) So, what did you get in your email today?
  9. http://www.ibj.com/articles/58982-brown-mackie-to-shutter-indianapolis-campus-in-nationwide-retreat
  10. Hey guys I'm currently looking to get a mortgage loan. In order to do this, I need to do some tinkering. My Credit Score on FICO 8 is in the 770s - 780s. However, FICO 9 shows at 699 from Experian. The reason is that CitiBank has not yet reported it's new balance to the Bureaus. The utilization on CitiBank shows 110%. It's been at least 60 days, and still nothing (even though I closed the balanced to close to 0% on each statement). They're being quite the inconvenience currently with their delays. Any suggestions? What can I do? This FICO score is really hurting me. I need to expedite this, and make CitiBank report last month's closing balance. As it's holding me back from loans I need.
  11. Within a 30-minute period this afternoon: I tried to make a < $10 purchase on Ebay using my PayPal Extras MasterCard. Declined three times in a row. No apparent reason. Next I tried the PenFed Useless RewardsTM Visa. Declined. Oops, wrong billing address. Tired again. Approved. Then I went to Vons and tried to put $11.xx on my Bank of America Cash Rewards Visa. Declined. Tried the same card again. Approved.
  12. https://www.valuepenguin.com/news/british-airways-credit-card-hack
  13. Hi, I apply for amazon visa on Nov 6, and Nov 10 I receive a letter to call them for verification. I called them, and they ask me some questions and send a code to my phone. But the lady do not tell me if I am approved or not After the call the automated message changes from 7-10 days message to 2 weeks message. Now it's almost 8 days and still in 2 weeks message and no e-mail or amazon visa show up in my account. This is good or bad?
  14. Lukic011

    USAA Credit Union

    Can you join USAA without serving army or being related to family member who served?
  15. Received a letter today, stating as of 09/24/18, my Barclaycard Rewards MasterCard will be transferred and converted to a Mercury MasterCard, issued by First Bank & Trust, Brookings, SD. All the terms and conditions remain the same. The turd of a rewards program remains the same (essentially 2% for gas, utility, and grocery store purchases and 1% otherwise). This card is in the sock drawer, but I put the electric bill on it every couple months to keep it active. It was a rebuilder card and one of my first cards after my BK7, so hopefully they preserve the account opening date when they make the transfer. It's currently one of my oldest open bankcard tradelines (it's 4.5 years old). I wish Barclays would have allowed me to convert it to a different one of their cards, but they never would. They got pretty stingy with the credit line though. I was initially approved for $2,000, got an increase to $2,250 after 6 months, then an increase to $5,150 in February 2016. They haven't budged the credit limit since that time, being denied them (with hard pulls) for stupid reasons (which of course, is their right so to do). It's funny, the card went from being my highest limit and very first bankcard with a limit over $5,000 (a real milestone for me) to becoming the smallest credit line that I have for a bankcard, currently. Anyway, I've never heard of Mercury or First Bank & Trust before. Wanted to hear anyone's thoughts and experiences with this product.
  16. Fresh off the Printer! CDIA's Popular FCRA Booklet Updated to Include S.2155 the Economic Growth, Regulatory Relief, and Consumer Protection Act Order your replacement FCRA booklet today! CDIA's popular FCRA booklet has been updated to include the Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). Now known as Public Law 115-174, the updated provisions related to the Fair Credit Reporting Act (FCRA) are: TITLE III—PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS SEC. 301. PROTECTING CONSUMERS' CREDIT. SEC. 302. PROTECTING VETERANS' CREDIT. TITLE VI—PROTECTIONS FOR STUDENT BORROWERS SEC. 602. REHABILITATION OF PRIVATE EDUCATION LOANS. Formatted in a convenient, portable size, the CDIA's popular FCRA booklet contains the text of the Fair Credit Reporting Act (FCRA) and all subsequent amendments to the Act. It provides an easy way for you to quickly reference specific provisions of the FCRA. This 93-page mini-booklet is an indispensable resource to users with FCRA compliance responsibilities, such as CRAs, lenders, and data furnishers/users. Stay up to date with your regulatory obligations under the FCRA — an important core risk management function. Order your updated FCRA booklet today! $27 for CDIA members $47 for non-members Save with the purchase of 10 or more FCRA Booklets!* 5% off orders of 10-24 booklets 10% off orders of 25 or more booklets *Discounts are applied automatically. For more information, please visit CDIA website or contact CDIA Education Services or at cdia_training@cdiaonline.org or (202) 408-7417. I just cut and pasted my email. I don't know how long the links will be active from the CDIA.
  17. tbea1004

    Credit Suite

    Has anyone used Credit Suite? Has anyone listened to Ty Crandall? What is your opinion if so? He been saying that with 10 to 15 trades and one being at least 10k that a company can get Amex, Chase etc with not pg. I have also heard this in other places. I am trying to see if anyone else has heard this or accomplished this.
  18. https://www.inc.com/vince-passione/how-credit-unions-are-winning-over-millennials.html #crapflakes
  19. 2018+CRRG+6+FAQ.58.pdf 2018+CRRG+FAQ45.pdf FYI if you may be impacted by natural disaster, etc.
  20. As of this week. Link: https://www.ucu.org Slow news day.
  21. I was doing a bit of multi-tasking and logged into both my Amex and Disc accounts in separate browser tabs. First, I contacted Discover chat to resolve something. Issue resolved, closed chat, left feedback. Then, I opened chat via Amex to resolve a matter there. It contained the entire log from my Discover chat, and kept prompting me to close the chat window as my issue is closed. Seems like a potential privacy/security issue. Though I'm pretty sure that this would be an extremely uncommon scenario and difficult to exploit.
  22. RaYdAwG005

    OMG I actually got good credit!

    Folks, you have 2 choices: You can either sit there wondering why other people have what they have and can do what they can do, while you don't and can't, OR you can learn how to get what they have. I chose the latter. Here's my testimony: 10 months ago, my credit was so bad and scores were so low, I couldn't even borrow from myself (joke). I watched my brother fix up his and his wife's credit 15 years ago. Since then, they bought 2 homes, 1 in Baltimore and 1 in Pittsburgh. He was telling me that he was at the point where he could walk into any dealership and walk out with a new car, just like that, with no money down. I admit, I was kinda jealous of that. ME ON THE OTHER HAND, I remember one time coming home from driving over the road and trying to rent a car (with cash) for the weekend, and I couldn't because they required a credit card, which nobody in their right mind would ever give me. I was actually delusional enough to apply for a credit card. I'm surprised they didn't call the cops on me! 😂 I remember having to pay a huge deposit just to get a cell phone. 4 months after making a decision to fix my broken credit report, starting a credit repair program, learning the laws that govern debt collection practices, actually doing the work myself, as oppose to hiring some lame credit repair company (*caugh* Lexington Law) who just wants to make money off my misery, and learning how credit works, my credit scores went up nearly 200 points. My credit never looked this good in my life! Now, I'm getting approved for everything I couldn't before. All because I made a decision. Stop making excuses and start making that decision. Go get that house, car, loan, vacation, whatever it is you want or need that you think you can't.
  23. Just a heads up...potential buying opportunities lurking since there are still too many people out there in homes they really cannot afford and where the quarter or half point will result in the foreclosure processes commencing. This represented the third move this year, and the benchmark is STILL cheap...this move only took the rate to 2.25% but it is the highest since April 2008. Expectations are between two and four hikes also on tap for 2019... And yes, for those who revolve balances on credit cards, this ALSO means THOSE payments will be increasing. The other bright spot is that this means hikes on savings rates, although they still remain minimal in terms of anticipated gains on those amounts.
  24. https://www.bloomberg.com/graphics/2018-lehman-debt/?srnd=premium
  25. https://twocents.lifehacker.com/credit-freezes-will-soon-be-free-1828993474

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