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My Credit Journey - Insights Welcome


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After all, they are the DIGITAL credit union. You'd think their website would be extremely functional compared to their non-digital competitors.

 

This was MY expectation initially as well. I was SEVERELY disappointed!! They must have designed their website on a Commodore 64. :blink::lol:

C64c_system.jpg

You'd THINK so, wouldn't you? I think CBers should start up our own bank with free FICOs from all CRAs, high limit cards and an incredible online experience. What do you think? Edited by bravegirl
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So this morning there was a "happy little bump" of 33 points in my CK FAKO - which gives me a new FAKO rating of EXCELLENT. I shall see how this translates into FICO numbers when Walmart updates in a few days.

Bob_at_Easel_zpsf2a2a9d0.jpg

 

PLUS...

Got my BR CC in the mail yesterday, along with an offer of $30 if I used the card outside of BR in the first 30 days - which meant dinner at the Korean BBQ place last night was FREE! I'm liking the advantages that come with having good credit :)

 

ALSO...

I'd gotten a call from a CBE Group - actually I've gotten dozens and dozens of these calls but this time they actually responded when I answered the phone. They are indeed a collection agency and they were calling regarding a balance of $36.27 from my last PG&E account in San Francisco. PG&E doesn't think it's necessary to inform you that they'll be sending you one last bill when you call them to cancel service - despite the fact that you pay a balance when closing the account that you believe is final.

 

Anyway, I wasn't even sure if this was a valid debt so this morning I called PG&E and they were so kind as to allow me to pay and now I don't have to worry about that showing up on my credit report ever. I still need to call back in three hours to ensure they contact CBE Group to let them know they can stop collection actions - I'd forgotten about the three hour time difference!

 

There are no mistakes, only happy accidents.

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After all, they are the DIGITAL credit union. You'd think their website would be extremely functional compared to their non-digital competitors.

This was MY expectation initially as well. I was SEVERELY disappointed!! They must have designed their website on a Commodore 64. :blink::lol:

C64c_system.jpg

You'd THINK so, wouldn't you? I think CBers should start up our own bank with free FICOs from all CRAs, high limit cards and an incredible online experience. What do you think?

 

:good::clapping:

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Still battling with EQ over the deleted 30-day late from Capital Bank. And this morning I woke up to find the 30-day late had been added BACK onto TU !!!! (Which, by the way, dropped my CK score by 20 points.)

 

Argh!

 

Called Capital Bank and was told that absolutely the 30-day late is not in their system. I'm really frustrated at this point because someone is lying. Cap Bank told me they needed to see a copy of my most current EQ report and so I thought I'd attempt to get a free report by being turned down for a Barclay's card but lo and behold, when I applied for the Barclay's card I was approved for $3.5k. So then I took the next logical step which was to call and ask for a CLI.

 

Asked for $8k, got $5k.

 

So now my total CLs are over $30k. I'm definitely on the road to $100k. I suppose I can just go ahead and order a hard copy of my EQ report and pay for the darned thing. Sheesh! I want that 30 day late removed on principle.

Edited by bravegirl
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So EUREKA! It took a 3-way phone call with EQ and the kind credit lady from Capital Bank to get EQ to comply with the law and delete the 30-day late from my report. Finally! Boo CFPB for their BS process that doesn't require a legitimate investigation as a first step.

 

Tried the same with TU but they refused to speak to the two of us on the same line. Incredible. The credit lady from Capital Bank called back to let me know that it looked likely the TU rep knew what she was doing and would delete the item.

 

I haven't looked at EX yet but now I'm beginning to wonder if it got added back to theirs as well.

Edited by bravegirl
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So, FINALLY!

 

The Capital Bank 30-day late has been removed from EQ. It was RE-removed from TU and has stayed off EX so my only negative left is a single paid charge off that's reporting on EX and EQ. Still waiting on the NYAG for their response.

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OK, this is HILARIOUS!

 

And an unexpected pleasant surprise. I just got a Zappos Visa in the mail with a CL of $4,000. I remember applying but got the 10 day message so I though that was a no-go. It's a CHASE card! Chase has hated me up until now.

 

What do you know about that?

Edited by bravegirl
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OK, this is HILARIOUS!

 

And an unexpected pleasant surprise. I just got a Zappos Visa in the mail with a CL of $4,000. I remember applying but got the 10 day message so I though that was a no-go. It's a CHASE card! Chase has hated me up until now.

 

What do you know about that?

Congrats and great job on your utilization.

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OK, this is HILARIOUS!

 

And an unexpected pleasant surprise. I just got a Zappos Visa in the mail with a CL of $4,000. I remember applying but got the 10 day message so I though that was a no-go. It's a CHASE card! Chase has hated me up until now.

 

What do you know about that?

Congrats and great job on your utilization.

 

Thanks :) There's no doubt that the additional CLs have helped tremendously with that. I think a lot of people struggling with their credit don't realize how much of an impact having a low utilization makes in your scores. It's nice to be able to charge all my monthly expenses, get cash back, and still keep my utilization under 3%.

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So I signed up for free FICO with DCU a couple of weeks ago and still haven't gotten my score. Are they just toying with me? I've read that the FICO is supposed to show up in your inbox but as of yet, nothing. Does the score report once per month at the same time for everyone or is it different for each member depending on when they signed up - anybody know?

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OK, so this is so weird. I'm on the phone with Macy's because I applied and was approved for a CC over two months ago but STILL haven't received the card. So I'm on the phone and I found out that I've got a $1k Macy's CL AND a $3k Macy's Amex CL.

 

So there you go. Weird.

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