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Thank you Credit board members for a wealth of information.
It's time to say good bye.
Relieved after closing accounts.
Merrick Bank ( July 2008) Limit: 1650 Annual Fee 96.00
Merrick Bank ( Hooters Card) ( Sep 2008) Limit: 1100 Annual Fee: 96.00
Capital One ( Feb 2009) Limit: 1000 Annual fee: 39:00
*Disclaimer: typing with my iPad, so I apologize for errors!
Today while doing my daily pulls I noticed something Imtersting.
A little back story first. I received a letter stating that Navient who I never heard of was buying my loans, but nothing else would change. I received that letter probably six months before the switch. Well, soon after the switch, I log on to my new navient account only to find that half of my loans are gone. I then get another letter a week later stating the Nelnet has purchased half of my loans. I was pretty mad considering Sallie Mae said nothing else would change, so did Navient. I didn't know anything of this until after it happened. So after being aggravated, I just decided to deal with it, set them all up for auto pay again, and forget about them.
Well, today I login to find that during the switch my Navient loans were closed and new Nelnet loans were reporting, but the new Nelnet loans were reporting with my original loan date, so it added 10 months to my AAOA and also 10 months to my credit length history. Raised my score to the tune of 8 points on my EQ. so essentially it added four new accounts with old 2006-2008 dates
The second odd thing was my capital one card that I got during college (my first cc) which only had a limit of $500 was bumped to $2000. I asked for a CLI last year and they said no, so I called and asked and they said they wouldn't give me one since I didn't use the car, I complanined saying that I have credit lines of well over 10k and i would never use it with that low of a limit, they still said no. I never login and even check that account, but just so happened to check and boom the AUTO CLI, which seemed odd to me. I may have to use it now a couple times to show them I still care 👍😀
Anyone else have a similar experience with their Student Loans. I'm on the downside and hoping to pay them off this year, but thought that it was interesting how it took place on my CRs. Didn't think they would process like that. My old loans show (Transferred/Sold/Closed.)
Just past 6 months and interest rate is 22.9%. Will they pull credit report if I ask for lower interest rate?
So, when I signed up for MyFICO recently I didn't actually read , so didn't realize I'd only be getting one 3-in-1 report per year. Not acceptable, but totally on me
So, I poke around CB per usual when I have a credit related question and eventually stumble across BW's Master How to Sign up for USAA CreditCheck Monitoring Premium (CCMP) Thread. Cool.
I follow along his steps and, after entering my SSN the site returns a message asking me to confirm that I am [NAME REDACTED]. Now here's the "funny" part - the name they showed was my birth name, which I haven't used (and hasn't been on my Social Security card, credit reports or ANYthing else) in over two decades!
Clearly, I think, they're connecting to some bizarre, totally outdated database. But I soldier on (so to speak), confirming that I am, indeed this person and managed to get signed up.
After checking out my reports and learning my way around the CCMP site I return to the USAA site and notice that I actually entered my address wrong. So, I go to change it and, after entering the correct info and clicking next, the site informs me that it can't change info for MY MOTHER because we live at a different addresses. Now, I haven't spoken to my mother almost a decade and I certainly didn't enter her name anywhere at USAA or CCMP, (other than her maiden name as requested, but the name they posted back to me was her (third) married name) so I'm compleely flumoxed.
I poke around a little more and it seems I not only signed up for CCMP, but also managed to join USAA, which I thought was impossible for me. My father was in the Air Force and the Navy, but I haven't spoken him since the day I graduated from high school in 1987, so I would have no idea any of his relevant required info. My maternal grandfather was also in the Navy, but he died over 20 years ago, so again, I have no access to his info.
Yet, alas, I've somehow not only (literally) stumbled into USAA membership, but my account has somehow been created under a name that is no longer legally mine and been connected to my estranged mother's account.
DO things get any more bizarre?
Well, one more step for the DW. Approved for $16K on their Rate Advantage Platinum MasterCard, HP on EQ.
Exp : 789
TU : 798
Eq : 806
Over the last twelve days, 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
For a total of $91,000 in new credit!
I think this evening she'll apply for a second NFCU and a Citi card, then off to the garden!