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So what did you get in the mail today?

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BofA CC statement

KingSize ad letting me know about a upcoming 50% off deal and free shipping when I use my KingSize CC.

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BofA denial letter - confirming they keep rejecting me due to something on LexisNexis.

 

765 FICO 8 Equifax score, with reasons listed as:

length of time accounts have been established (AAOA is 2y 10m on EQ)
Proportion of loan balances to loan amounts is too high (2% util overall, max on a single line is 20% this month)
time since most recent account opening is too short (possibly, Ritz was opened 3 months ago)

Too many inquiries last 12 months (1 is too many I guess)

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BofA denial letter - confirming they keep rejecting me due to something on LexisNexis.

 

765 FICO 8 Equifax score, with reasons listed as:

length of time accounts have been established (AAOA is 2y 10m on EQ)

Proportion of loan balances to loan amounts is too high (2% util overall, max on a single line is 20% this month)

time since most recent account opening is too short (possibly, Ritz was opened 3 months ago)

Too many inquiries last 12 months (1 is too many I guess)

Have u requested your LN report to see whats going on?

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BofA denial letter - confirming they keep rejecting me due to something on LexisNexis.

 

765 FICO 8 Equifax score, with reasons listed as:

length of time accounts have been established (AAOA is 2y 10m on EQ)

Proportion of loan balances to loan amounts is too high (2% util overall, max on a single line is 20% this month)

time since most recent account opening is too short (possibly, Ritz was opened 3 months ago)

Too many inquiries last 12 months (1 is too many I guess)

Have u requested your LN report to see whats going on?

 

didn't request it - I just put LN and Innovis on ice because you can do it online.

 

Going to fax in letters to freeze SS and... ARS is the other one?

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BofA denial letter - confirming they keep rejecting me due to something on LexisNexis.

 

765 FICO 8 Equifax score, with reasons listed as:

length of time accounts have been established (AAOA is 2y 10m on EQ)

Proportion of loan balances to loan amounts is too high (2% util overall, max on a single line is 20% this month)

time since most recent account opening is too short (possibly, Ritz was opened 3 months ago)

Too many inquiries last 12 months (1 is too many I guess)

Have u requested your LN report to see whats going on?

 

didn't request it - I just put LN and Innovis on ice because you can do it online.

 

Going to fax in letters to freeze SS and... ARS is the other one?

 

Yep Ice them up.

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Lot of things:

  • NFCU mailer for pre-approval for auto loan
  • NFCU mailer for "special balance transfer offer": You're invited to apply for GO REWARDS card.
  • Personal loan offer from Upstart.
  • Congratulations letter from US Bank for Cash+ Visa CLI from $1,500 to $2,000.
  • Congratulations letter from Target Card Services for CLI from $1,000 to $3,000.
  • Letter informing my Target Redcard conversion to Target MasterCard, terms, and agreement.
  • Synchrony CLI denial letter.
  • Bill/statement from community college.
  • Cable company offer for TV, Internet, phone, and free DVR.

Is the NFCU pre-approval for GO Rewards card a definite approval? It has the verbiage: 0% intro APR on balance transfers for 12 months ... then a variable APR between 10.24% and 18% applies. What CRA are they pulling now-a-days? Why do they mail such big cards?

 

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Lot of things:

  • NFCU mailer for pre-approval for auto loan
  • NFCU mailer for "special balance transfer offer": You're invited to apply for GO REWARDS card.
  • Personal loan offer from Upstart.
  • Congratulations letter from US Bank for Cash+ Visa CLI from $1,500 to $2,000.
  • Congratulations letter from Target Card Services for CLI from $1,000 to $3,000.
  • Letter informing my Target Redcard conversion to Target MasterCard, terms, and agreement.
  • Synchrony CLI denial letter.
  • Bill/statement from community college.
  • Cable company offer for TV, Internet, phone, and free DVR.
Is the NFCU pre-approval for GO Rewards card a definite approval? It has the verbiage: 0% intro APR on balance transfers for 12 months ... then a variable APR between 10.24% and 18% applies. What CRA are they pulling now-a-days? Why do they mail such big cards?

The variable APR means it's just marketing.

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Lot of things:

  • NFCU mailer for pre-approval for auto loan
  • NFCU mailer for "special balance transfer offer": You're invited to apply for GO REWARDS card.
  • Personal loan offer from Upstart.
  • Congratulations letter from US Bank for Cash+ Visa CLI from $1,500 to $2,000.
  • Congratulations letter from Target Card Services for CLI from $1,000 to $3,000.
  • Letter informing my Target Redcard conversion to Target MasterCard, terms, and agreement.
  • Synchrony CLI denial letter.
  • Bill/statement from community college.
  • Cable company offer for TV, Internet, phone, and free DVR.
Is the NFCU pre-approval for GO Rewards card a definite approval? It has the verbiage: 0% intro APR on balance transfers for 12 months ... then a variable APR between 10.24% and 18% applies. What CRA are they pulling now-a-days? Why do they mail such big cards?

The variable APR means it's just marketing.
Thanks bigpoppa. There is no opt-out verbiage either. I am debating if I should burn an inquiry. :-)

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Discover 1.01% savings account offer. Shredder.

 

They must need help covering their up tick in credit card defaults.

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invitation to apply for Luxury Card 'Black Card' with 15.74% APR. --> shredder
Blispay card --> sock drawer

Offer for Commerce Bank Visa --> shredder

 

fun stuff!

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My mom said I received a BBVA Amex card I assume this replaces my NBA card. The one I have doesn't have a chip so I'm interested to see if it's a chip NBA or if they changed the card altogether. She has to mail it to me here in San Diego. Annoying that this is the only issuer that doesn't recognize my address on base as "valid."

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Another Credit One pre-approval --->shredder

Another Capital One auto finance pre-approval -->shredder

 

The Cap1 ones come about every four days - no more car loans for me

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A letter from Chase.

 

My better half will be receiving a 2nd CSP in August.

 

They're cancelling the Fairmont Visa program, and opted to use CSP as the replacement.

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I got a chrysler capital statement that I owe nothing this month. I paid about 10x's over my payment last month.

 

So I know now that I can pay this down to 9% and use it as an installment loan hack.

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American Express pre-approval personal loan @6.9% without an HP.

 

Offer BCE--> BCP.

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Letter from Target telling about the increase I already know about.

Target statement

Total Rewards Visa statement

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