The last post in this topic was posted 2493 days ago.
We strongly encourage you to start a new post instead of replying to this one.
My DW seems to have been dropped from the Equifax Choppage block. She was not chopped in September, and now again not chopped in October. Presently, she is pulling both EIDT and Alert Plus and just B* today an inquiry dated 9/23/14 on her second pull of the day which makes sense being around 42.5 days ago.
Has anyone else had the experience of getting off the choppage list? Should she stop pulling twice a day and go down to just one puller, EIDT? She did back door twice in September to confirm no choppage, but has not since.
I have been getting a CreditKarma update weekly for a while now, just by logging in, and a week after my last update it would automatically just repopulate with a new report.
Today, I should have gotten an update, my last one was Oct 15, but the website is different and there is not the usual wording on the landing page like this (still showing for my DW):
Any ideas what might be going on here? Anyone else seeing this issue?
I also notice that my DW's login landing page is: https://www.creditkarma.com/dashboard whereas mine is now: https://www.creditkarma.com/myfinances/score and manually going to dashboard URL just brings me back to score URL again.
the last two inquiries shown on this report have long been B* from Equifax Complete. Does USAA not report updated Inquiries (hard) on a timely basis or do I have a problem? and it doesn't show a legit HI from Oct. 9th... May I assume that USAA is not at its finest on the latest and greates of HI reporting? Also, it is showing a CA that was removed almost immediately as the entry was in error... but it is still zinging my experian score...it is dated 9/15 and was removed by CA almost immediately after call from my lawyer...
Alert Date 09/06/2014 THIS HAS BEEN BUMPED Business Name NAVY FEDERAL CREDIT UNION Inquiry Date 09/04/2014 Alert Date 08/31/2014 Business Name NAVY FEDERAL CREDIT UNION THIS HAS BEEN BUMPED Inquiry Date 08/11/2014 Alert Date 08/31/2014 THIS HAS BEEN BUMPED Business Name PENTAGON FCU Inquiry Date 07/26/2014
I just needed to ask a question for clarification. In all my reading I see that is is advised to avoid Backdoor and Disputes while involved in B*. Now I would think from a technical standpoint that an additional SP would assist in your journey of B*, though I don't know what a dispute would do and for that matter what an additional SP does during B* via BD, please advise.
First, the good news...I must not be blacklisted as they accepted my application (burned them for about $7000 about 7 years ago).
However, I did get a denial, so I called for a recon. I spoke with a very polite CSR who was very open and helpful about the reasons for the denial. He said that my EX score was not high enough for them, (624) and he said that in his experience, scores needed to be at least 675 to qualify for the Blue cards. I asked if there was a better card for me to have applied for and he suggested the Green card (if I wanted a charge card) because the criteria was not as high for that card. He also suggested that if I wanted a credit card, that I should apply for the Everyday Card because it would be easier to get than the Blue Card as well.
He did mention that they would look at my past history with them as a part of the approval process, but it was not the reason for the decline. He also suggested that I pay down some balances on my cards to get to a better usage percentage (currently at 50%), but I have a $14,000 NFCU card and a $15,000 LOC with NFCU that are not showing yet, so I will lay low for about six months and try again.
Also, he answered another question that I have seen batted around here, and that is that there is a 30 day freeze on any new apps with them regardless of the card applied for.