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By MJPEREZ77
Hey fellow CBers:
I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! )
My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question:
1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will this Freedom Invitation be null and void with those recent approvals?
2) If I can apply, do I apply NOW? Or wait til I B* TU and freeze EX? (I am worried if I do this the new accounts will be reporting by then (total 6) and as of right now only Barclay's is reporting with 6 INQ on TU, but I can't freeze EX via online, says I must mail in, so I will call Monday.
Any and all recommendations are appreciated! Thanks to all again, I will be updating CPDB and posting my approvals in the next few days. I know they are baby steps, but I am very happy with results and have CB and all of the awesome members here to thank!!!
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By david_weaver
OK, have a late from December 2008 on a car loan. Account was paid in full and closed in February 2009. Was 54 month loan.
Late only shows on TU and was only late on account. Have tried numerous goodwill attempts with no success.
TU says it will fall off November 2015.
When that date comes, will it become a positive account and remain on the report for 3 more years until it hits the 10-year limit, or will the entire trade-line drop off?
As the late is 6 years old, my thinking was that trying to get the late removed with a dispute might cost me the trade-line if it just gets deleted instead of updated, which would hurt my AAOA more than a 6 year old late is hurting my score as the account dates back to 2004. Am I correct in that thinking?
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By mizliz1011
Sept23-10InquiryTransUnion
A new inquiry was added to your credit reportBased on TransUnion data FICO® SCORE CHANGE -10 points 687 677 View score history INQUIRY DETAILS 687 to 677 BARCLAYS BANK DELAWARE
Although I am glad that they B* pretty easily, I am a bit aghast to see the above notice from MyFico
This is the only inquiry (hard) that I have on TU...Wow, that stinks
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By mizliz1011
decided to check into LC for a check on my TU score before a considered app...
scores on fako have been moving up, only Fico I have is from DCU which went way up
LC, without me entering an amount, instantly declined me- they recognized my email
They gave an EX score as the basis(it is not yet frozen, had to wait until monday when fraud alert comes off)
Didn't know that they EVER pulled EX, always pulled TU to my knowlege (one prior application)
Of course the basis of the turndown was my very worst score but I was shocked at the turndown before the application.
I am assuming it was not a hard pull as I entered no info.
If it is, I will raise holy hell, they also noted too may apps, which is odd because last app was May and I have only that and Verizon phone.
Be Aware of this and don't depend on LC using TU. Something is in the wind...
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