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The Master Farming Support Thread

JayB27

By JayB27
in Credit Forum

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The last post in this topic was posted 3237 days ago. 

 

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Konrad2012

Konrad2012

Posted
Posted

 

 

 

:good: Nice work on the term change K-man. Anyone caught using the term garden will be punished to the fullest extent of the law, from here on out. Including, but not limited to, taking their man card.

Oooo...I'm skeerd. Pththth_zpszno88xfo.gif
One turkey slap for you coming up

And I have a Air%20Quotes_zpsdc6zwmx5.gif special something for you. Watch for PM.

Love it when you threaten me with a good time.


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chugs102

chugs102

Posted
Posted

Just be thankful it's not Hello Kitty? :grin:

 

 

I prefer Hello Kitty to those damn ponies.

 

Every time I see those ponies, I think "glue" and "tacos"

creditrecovery

creditrecovery

Posted
Posted

I'm gardening until some COs drop off, BOA (8/2015), LVNV (7/2015) and Chase (8/2015 & 2/2016).

I've already sent obsolete letters which got LVNV moved to 7/2015. Hopefully I can get the Chase account they bought moved off now, or at least until 7/2015.

 

The Chase 2016 CO was paid in settlement and should be easy to remove. I'm a New York State resident and supposedly New Yorker's only need to wait five years after the delinquency, if they pay the charge-off amount or satisfy a court judgment. By September 2015 my CR's should look great and my 2 new accounts NFCU $25K CC and NFCU $15K CLOC will have over 6 months of history by then. I will then apply for Chase Sapphire Preferred and Chase Ink Plus for October (presuming there is a sign up bonus with AF waiver) and maybe an AMEX or two in January 2016 (MS 1/2001).

I have a joint student loan (dumbest thing I ever did) set to go positive in 9/2019. I thought it was 2016 until I started this obsolete dispute process. The former friend has not been late for a couple of years (60 day late December 2012) but no telling when that will happen again. We haven't been in touch in years so it's not like there is a deep friendship to keep 30 day lates from popping up on me once in a while. I wish we were in touch so I could at least suggest a refinance or loan consolidation to take me off the loan. The December payment was $30 short per my EX and the payments prior to that were about $10 more than due while two payments last summer were double what was due.

 

I'm going to keep an eye on it and should probably get some kind of daily pull service. I can't tell when the payment is due since the payment dates are all over the map, 21st, 9th, 3rd, 12th, 27th.

JayB27

JayB27

Posted
  • Author
Posted

I'm gardening farming until some COs drop off, BOA (8/2015), LVNV (7/2015) and Chase (8/2015 & 2/2016).

I've already sent obsolete letters which got LVNV moved to 7/2015. Hopefully I can get the Chase account they bought moved off now, or at least until 7/2015.

 

The Chase 2016 CO was paid in settlement and should be easy to remove. I'm a New York State resident and supposedly New Yorker's only need to wait five years after the delinquency, if they pay the charge-off amount or satisfy a court judgment. By September 2015 my CR's should look great and my 2 new accounts NFCU $25K CC and NFCU $15K CLOC will have over 6 months of history by then. I will then apply for Chase Sapphire Preferred and Chase Ink Plus for October (presuming there is a sign up bonus with AF waiver) and maybe an AMEX or two in January 2016 (MS 1/2001).

I have a joint student loan (dumbest thing I ever did) set to go positive in 9/2019. I thought it was 2016 until I started this obsolete dispute process. The former friend has not been late for a couple of years (60 day late December 2012) but no telling when that will happen again. We haven't been in touch in years so it's not like there is a deep friendship to keep 30 day lates from popping up on me once in a while. I wish we were in touch so I could at least suggest a refinance or loan consolidation to take me off the loan. The December payment was $30 short per my EX and the payments prior to that were about $10 more than due while two payments last summer were double what was due.

 

I'm going to keep an eye on it and should probably get some kind of daily pull service. I can't tell when the payment is due since the payment dates are all over the map, 21st, 9th, 3rd, 12th, 27th.

JayB27

JayB27

Posted
  • Author
Posted

I would like to remind anyone doing any Farming, that it is hard work and should not be treated as anything but that.

 

If you are in need of advice or support, this thread exists for that.

 

Step on up.

 

I, personally haven't app'ed in awhile, almost 10 days. :grin:

almostanonymous

almostanonymous

Posted
Posted (edited)

I don't want to dip below an AAOA of 5 with any new apps, which is holding me back. Trying to keep the science going.

 

I should really just stop being hung up on it and app the Citi AA For 50k.

 

I might app an OBC to balance the age back out.

 

Decisions.

Edited by almostanonymous
JayB27

JayB27

Posted
  • Author
Posted

I thought so.

 

My apologies AA, you know I am not usually like that.

 

I just picked up the Citi AA, was my largest starting line ever.

almostanonymous

almostanonymous

Posted
Posted

No need for apologies. :)

 

I already have a pretty high limit on my Double Cash relative to my income so I doubt Citi would be so generous with the AA. I'd pretty much only use it for the miles and sock it forever.

 

Only other things I'm after for the foreseeable future are CLIs. Next up is FIA Amex. Would like to match my 30k NASA limit.

almostanonymous

almostanonymous

Posted
Posted

FIA Amex is so easy to get and people are great to deal with, no doubt you will get the limit you seek.

 

Already have it.

 

Since it's only a TU pull I just put in the request, got the 7-10 day. Ugh. I don't feel like calling UW right now.

almostanonymous

almostanonymous

Posted
Posted

 

FIA Amex is so easy to get and people are great to deal with, no doubt you will get the limit you seek.

 

Already have it.

 

Since it's only a TU pull I just put in the request, got the 7-10 day. Ugh. I don't feel like calling UW right now.

 

 

Welp, good thing it was a TU soft.

 

They gave me a $2500 bump, wanted to see more use on the account.

Konrad2012

Konrad2012

Posted
Posted

 

 

FIA Amex is so easy to get and people are great to deal with, no doubt you will get the limit you seek.

 

Already have it.

 

Since it's only a TU pull I just put in the request, got the 7-10 day. Ugh. I don't feel like calling UW right now.

 

 

Welp, good thing it was a TU soft.

 

They gave me a $2500 bump, wanted to see more use on the account.

 

 

Just hit up BofA every 2-3 months. And get another card with a higher limit to use as a prybar. I've taken BofA from 3k->6k->10k->20k since August. I call straight to the analyst for CLI's...don't bother with the luv button or the CSR's.

almostanonymous

almostanonymous

Posted
Posted

 

 

 

FIA Amex is so easy to get and people are great to deal with, no doubt you will get the limit you seek.

 

Already have it.

 

Since it's only a TU pull I just put in the request, got the 7-10 day. Ugh. I don't feel like calling UW right now.

 

 

Welp, good thing it was a TU soft.

 

They gave me a $2500 bump, wanted to see more use on the account.

 

 

Just hit up BofA every 2-3 months. And get another card with a higher limit to use as a prybar. I've taken BofA from 3k->6k->10k->20k since August. I call straight to the analyst for CLI's...don't bother with the luv button or the CSR's.

 

 

I called UW this morning to sort this one out.

 

I last had a (fairly substantial) CLI on the account 3 months ago, so I wanted to see where my new reporting limits and improved scores could get me. I've debated taking on another BOA/FIA account specifically for the purpose of combining but at this point I haven't been compelled enough to pull the trigger.

 

Thinking it may be time to combine US Bank, though. That should loosen things up a bit.

The last post in this topic was posted 3237 days ago. 

 

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