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fatherof5

Paging Dr. Wang, Dr. Bob Wang

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Dr. Wang,

 

I need a diagnosis.

 

I can't see where you have given a definitive answer in a CB search, so I will ask.

 

I have no D* connections anywhere. I do however have a corporate green card that is 7 years old. If I can get in with AMEX individually, will I be able to D* to my corporate card date?

 

I have been opted out for about 3 years now. I was going to opt back in. I am thinking that if I get opted in and start getting offers from AMEX on my online account or prescreeened by mail, not just invitation to apply, that would link to my current account which says "Member since 7 years ago".

 

I need to do a refi on my house later this summer. I was unable to capitalize on things when they were super low. For me, EX is actually my best report. I have an old CU that only reported to EX and has a couple closed car loans, plus an ancient (now closed) joint account with my ex wife for a CC dating back to 1983 (Not AMEX). My AAOA on TU and EQ is only about three years. My EX is like 10 with many more TLs. My PSECU FICO is 714, but DCU FICO is only 659.

 

Obviously, I don't want a new account popping up right before going mortgage shopping, but I actually think it could help my TU and EQ scores to get my mid score up a little bit from AAOA point of view and utilization. I would like to try for a revolver at AMEX, BCP or BCE. I only have two open CCs right now - PSECU 20/20 and a local CU for $2K

 

In summary, do you think I can D* based on my corporate account only or not? Second, when opted in, will the AMEX site give prescreened offers that would be close to guaranteed approvals? I have no collections on EX, but I do have a PIF CO from someone else as well as a PIF tax lien from 2009.

 

Of course, this is open to all on call CB emergency Dr.s :wave: I do hope to hear from my specialist however for a second opinion. :grin:

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Problem is searching through the master thread is darn near impossible. Even with the CB search I can't find anything in that thread. :rolleyes:

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CB search is useless.

 

always use Google.

 

but the advice wasn't to search through that thread

 

but to post your question(s) in that thread.

 

you'll get much better response that way esp from BW.

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Not realizing I was going to be hammered by the semantics police, I didn't want to have to explain the CB/Google search. For some things, I've done just fine with the searches here. That said, I must have missed the part where there was a limit on starting new topics.

 

So I decided to start a new thread. Over the last couple years BW has never failed to answer any of my threads where I specifically requested his help. So I'll just take my chances out here on my own.

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I wasn't trying to offend you. There is no searching required. The reason that people generally recommend posting in the Master threads for topics like D* and B* is because this forum would be otherwise flooded with new threads on this topic every day. You are also likely to get more replies there.

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While I'll listen to anyone who chimes in on topic, I really am only hoping for one reply in particular...

 

:ph34r: You know who you are BW.

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While I'll listen to anyone who chimes in on topic, I really am only hoping for one reply in particular...

 

:ph34r: You know who you are BW.

Here is the results of a search of the word "corporate" in the *D thread. I think you will find it useful.

http://creditboards.com/forums/index.php?app=core&module=search&do=search&andor_type=&sid=6c01605765c845f74e091c377e238736&search_app_filters[forums][sortKey]=date&cType=topic&cId=460996&search_app_filters[forums][sortKey]=date&search_term=corporate&search_app=forums

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Not realizing I was going to be hammered by the semantics police, I didn't want to have to explain the CB/Google search. For some things, I've done just fine with the searches here. That said, I must have missed the part where there was a limit on starting new topics.

 

So I decided to start a new thread. Over the last couple years BW has never failed to answer any of my threads where I specifically requested his help. So I'll just take my chances out here on my own.

 

Sensitive much?

PM him if its so private

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Not realizing I was going to be hammered by the semantics police, I didn't want to have to explain the CB/Google search. For some things, I've done just fine with the searches here. That said, I must have missed the part where there was a limit on starting new topics.

 

So I decided to start a new thread. Over the last couple years BW has never failed to answer any of my threads where I specifically requested his help. So I'll just take my chances out here on my own.

No one was hammering you. They were making suggestions intended only to help you.

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creditboards.com/forums/index.php?showtopic=528922


Yep.


First off Tyra, thanks. Admitedly,I haven't viewed that thread for a couple weeks or so because I have had so little success in it in the past including earlier this month. It certainly seems as if some people are much more recently having success, and you had pretty good success finding those posts.


LKH, I respectfully disagree. When I read the thread linked above, I thought it was a little rough. But when 2 people jump me in the first 20 minutes like I don't know how a forum works, I get a little cranky. It's not like I asked why my USAA score was 100 points lower than my lender and what's FICO?


I figured out how to get two judgments vacated on these boards that I never knew I had. I've dusted off numerous CAs, JDBs, etc. I learned a lot by lurking for 4 months before I joined in late 2011. And I've tried to help where I knew I had solid info that could be useful for the OP. Granted, I am not an everyday poster, but after gardening for a while I am back for some help.


Again, I wanted to know BW's opinion - today - because all the anecdotal stuff is good but BW is the CB guru on D*. Not from a year ago, but now. I wanted my own thread for my own selfish reasons. I also thought I remember BW getting inundated with PMs at some point and not taking any more. Nothing in my post was private, and may help someone in the future.


I'd say the thread I linked above is pretty accurate.

Edited by fatherof5

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I was just trying to give you a chance to get an answer from BW.

 

But whatever little chance you had to get one in this thread is shot now.

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Father, you are obviously entitled to your opinion, but let me point out that the first response was this:

 

You should post this in the Master thread. ;)

 

Notice the wink? I highly doubt that was intended to to hammer you.

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Sorry but why on earth take the time to give grief to the ER Drs on call for BW (including site owner) if looking for a response from him at all, let alone "today", kinda extra, no?

 

Master thread on thread Etiquette STAT :ph34r:

Edited by virtualtreasure

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