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Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
I am a new member. I want to thank all of you for your sincere efforts and guidance. Devoting time to help others is actually a best good some could offer. Thank you all.
Now about me.
I am working to clean up my credit. I have a student loan that is currently under deferment until 02/2016. Back in 2014, When it went to repayment phase, I was overseas. By the time I cam back in Aug 2014, the loan was already 180 Days late. I applied for Econ Harship that was granted and back dated to Feb 2014(The original date when the repayment was due). I have recently noticed that it is being reported to my Credit File as 180 days late despite Econ Hardship Deferment back dating.I disputed with the CRA but it came back as "updated" with same late data.
I think my question is how I can resolve this with the CRA. The OC does not seems to understand that Econ deferment means as if the loan is being paid as agreed, and unwilling to report a removal of late status. My understanding is that when deferment is back dated it reads as no default has been occurred and loan is being paid as agreed. Is it possible that contest it of justify it through precedents are legal aspects. I may be misunderstanding. Please help me.
BofA just gave me another $5000 Cash Rewards Visa , then approved many CLI to $15,000. EXPERIAN score of 726By bunyan
I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I also have a business account with BofA. No Money Market amounts or anything like that with them. My Experian score is 726 (That's who they pulled)
I was in the branch on Monday and the teller said I had a Credit Card offer. So I sat down with the representative, and had him put in an application for another Cash Rewards Visa with a $5000 limit. That was instantly approved and I got the credit card in the mail yesterday. So today I'm at work and decide to call in and do a balance transfer from my other cards to my new card. While I'm talking to the CSR I ask if he thinks I can get a CLI to 10 or 15 grand. He said he thinks I can and maybe they won't even do another inquiry since I just got this card yesterday. I said ok go for it. 15 grand. He doesn't get an immediate answer back and says I should hear something in the next 3 days. This was around 1PM today. I check my account at 4 and I see my limit is up to $15000 on my new card. Wooo hooo! The CSR also said that I can get a cash advance for up to my maximum credit line at 0% until April of 2016. Fees are 3%. He already had approved me for $4800 (Since my initial credit limit on the new card was only $5000) but said once I get my CLI just call him back and he can give me more.
I'll be calling him Friday! Lol I'm gonna put all my other card balances on here so I can get the 0%. They'll be paid off well before then.
Bank of America Mastercard - instant approval for low credit limit. Next step? Never activate or CLI at activation?By GaPeach
I received a pre-selected offer in the mail for Bank of America. I currently have a FAKOs of 677/677/667 (EX/TU/EQ). I also have $22,800 in credit, spread out over 5 cards. 9K highest limit, 2K lowest limit, including a signature Visa and an AmEx. Oldest credit card account is at least five years old, newest is couple of months. Everything else falls in between. I have older installment accounts (only one open, rest are paid/closed in good standing). Pretty much middle of the road on credit rebuilding, current standing, etc.
So I applied for the BOA MC. Received instant approval of $500. That is almost an insult credit limit, considering the work I have put in to increase my scores, increase my limits, etc.
Soooo, should I chalk this up to a learning experience of a wasted inquiry and never activate this card when it comes in and to just let my open accounts age for a while? Or should I call BOA when I receive the card and ask for CLI?
Thanks in advance for any advice and/or experience examples.
Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice?
One or more accounts are not paid as agreed
Length of time since oldest credit card was opened is too short
Length of time since newest account was opened is too short
Too many accounts opened in the past 12 months.