My journey to credit repair starts NOW!!!!

[cv91915]

 

 

I only have 1 other card with a balance and it is at 50% with 0% transfers. I did have a FR with chase about 3 months ago but the rep said everything was ok.

Not sure what is going on. I guess I could call but I assume nothing would be done.

Oh, and I have not checked reports I'm about a month but was at 721 last time I checked with no baddies. I will check tomorrow, we have plans today and don't want to be annoyed if something bad popped up.

I haven't heard of a Chase FR. They have their eyes on you...

 

Enjoy your day and update us when you know more.

Hmm that's my luck. I wonder if it had something to do with 3 new chase cards for 20k, then 100k mortgage a month later. Then 10k charged on the cards in short time on my crappy income.

I just checked all 3 reports even though I said I wouldnt. No negatives and chase has not even soft pulled me. I guess they just don't like me. I don't even think I screwed them in my bad credit days.

Do you also bank there? M$ing?

[futurehomeowner?]

So I got a letter in the mail yesterday from all three cards. It said they were lowering my limit because there was a rapid rise in my util and my util is to high.

 

Util has not gone up in 5 months so not sure what they are unhappy about. I am going to call them tomorrow.

[cv91915]

So I got a letter in the mail yesterday from all three cards. It said they were lowering my limit because there was a rapid rise in my util and my util is to high.

 

Util has not gone up in 5 months so not sure what they are unhappy about. I am going to call them tomorrow.

 

Have you looked at the reports they're softing?

[futurehomeowner?]

Well chase is still angry at me for some reason. They have balance chased all 3 of my chase cards with no recon. The only reason they had balances were because of 0% BT. I received 3 new cards today.

 

American Express starwood wood for 11k

Discover it for 11k

BofA rewards card for 5k.

 

I transferred my chase balances to discover with their 0% BT so I will see if chase closes my cards or leaves them alone at 5k, 3k, and 3k.

 

Also my wife's reports are all now 100% clean. Her student loans were 120 days late 7 years ago and I couldn't get them to remove so I had to wait for them to age off. Well last month was the month. All 12 of her loans latest aged off. I updated my signature but I did it from my phone so I think I messed it up.

Edited February 8, 2016 by futurehomeowner?

[Chase504]

This was a wonderful read! After reading your posts. I feel like there is hope for me after all. Thank you for sharing your journey.