Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

shifter's Rebuilding Thread

Recommended Posts


a $162/2500 balance (6.5% ind, 2.95% overall) reported on Disco this month because of payments that posted at the last minute.

 

EX score didn't change from 649.

Share this post


Link to post
Share on other sites

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

Share this post


Link to post
Share on other sites

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

Happy Rebuilding in 2018

Share this post


Link to post
Share on other sites

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

 

Nice. :D

Share this post


Link to post
Share on other sites

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

Dude!! :good:

Share this post


Link to post
Share on other sites

so I had a free pull code from MF that's been sitting around for the last couple of years, so I decided to pull EQ today.

 

BK is indeed gone and FICO 08 went up to 683. all my IIB accounts now show the LPs instead of IIB. unfortunately I stopped paying most of my accounts in the 2 months before I filed, so most of them show 30DL and a couple 60DL. if I had been thinking more about the rebuild, I would have thought about keeping them current, which would give me a completely clean report right now. hindsight is 20/20 and all that...

 

so now I've got 12 accounts with LPs that I'm going to have to work through disputing.

 

the main reason my score isn't higher is Comenity reported both of my accounts as 120DL all the way through my discharge. that's obviously incorrect, so that's going to be the first place for me to start with the disputing.

Share this post


Link to post
Share on other sites

got my BK dispute back from EX.

 

they say they verified with the information reporter, which we all know is BS.

 

sending a MOV today. I assume they will "verify" again and I'll have to move on to a CFPB dispute.

Share this post


Link to post
Share on other sites

more good progress as of today.

 

got my dispute back from EQ. I disputed two Comenity accounts reporting 180DL and one C1 account reporting 60DL.

 

all 3 were deleted!

 

those were the only serious derogs on my profile, so the only derogs left are 9 accounts with one single 30DL from June 2016.

 

unfortunately, I have to wait 14 more days to get my next 3B report from CCT and see the new score.

 

based on Bob's graphs, even with a 2 year 30DL I could still be at 725. not sure how 9 of them will affect it though.

 

13958082704_6c080ea3fc_o.jpg

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Nicely done. Congrats!!

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Jaw dropped probably for the first time in my life. It hurts a bit. Congrats. Some people know this game inside out.

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

 

Way to go!! :clapping:

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

 

Did you freeze TU and force them to pull EQ?

Share this post


Link to post
Share on other sites

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Just awesome...congrats!!

 

Think there are any TARP banks out there that would give you a $25K starting limit at this point in your rebuilding?

Edited by Rogue

Share this post


Link to post
Share on other sites

Just awesome...congrats!!

 

Think there are any TARP banks out there that would give you a $25K starting limit at this point in your rebuilding?

I wouldn't think so, but I'm really not sure.

 

As far as NFCU knows, I'm not rebuilding. Just have a few 30DL from 2 years ago. But I have a fairly thick file, 13 yr oldest account, 6 year AAOA.

 

Also as I posted in the pry bar thread, I have 2 closed/paid/positive CCs showing 75k and 50k CL respectively. I'm not sure if they might take those limits into account even though they are closed since they are positive.

 

I would app more prime issuers to GP it if I hadn't IIB'd them all. At this point I do need 2 more open CCs for ideal scoring but I really don't see any quality offerings that I would use. I need to do some more research and see what else is out there.

Share this post


Link to post
Share on other sites

 

Did you freeze TU and force them to pull EQ?

Yup.

 

 

Excellent. Several months ago I kind of did the same thing but it didn't work as well.

 

I haven't had my BK removed from EQ but my EQ9 FICO was 762, substantially higher than TU or EX. I froze TU and apped. Unfortunately, NFCU tightened their BK policies right before I apped.

 

My approval was at 10.65%, the tier 1 pricing at the time. That was pretty cool for a 16 month old BK. The crotch kick was that NFCU had just instituted a $1k max CL for BK's 1-2 years old, and secured only for less than 1 year.

 

I am still trying to find out if the $1k restriction applies only to initial CL or if it also restricts subsequent CLI's during 1-2 year BK period to a max line of $1K.

Share this post


Link to post
Share on other sites

 

 

Did you freeze TU and force them to pull EQ?

Yup.

 

 

Excellent. Several months ago I kind of did the same thing but it didn't work as well.

 

I haven't had my BK removed from EQ but my EQ9 FICO was 762, substantially higher than TU or EX. I froze TU and apped. Unfortunately, NFCU tightened their BK policies right before I apped.

 

My approval was at 10.65%, the tier 1 pricing at the time. That was pretty cool for a 16 month old BK. The crotch kick was that NFCU had just instituted a $1k max CL for BK's 1-2 years old, and secured only for less than 1 year.

 

I am still trying to find out if the $1k restriction applies only to initial CL or if it also restricts subsequent CLI's during 1-2 year BK period to a max line of $1K.

 

DW was approved for her Navy Cash Rewards 1 year ago for 1K at fourth statement hit the luv button and got a SP 2K increase. 6 months will be March 14 will hit luv button again. Her BK is 30 months old just some data points for u.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By JakkuScavenger
      Long story short, an illness took me off work for some time and some card payments were prioritized above others. I have since cleaned my credit up save for one lone big bad that will not die off in the form of DSNB/Macy's (CitiBank). Here's the deets:
      Date Opened: 11/16/2009
      Last Payment Made: 05/06/2015
      Date Closed: 04/26/2015
      I've inquired about the debt and was told since it's past SOL it's no longer being pursued for collection, just reported monthly as charged off. That charge off reporting is a damper, though. What steps should I take, if any, to remove or rectify it on my reports? I can pay it in full, but is there any hope for it being removed or updated to not reflect so harshly? I appreciate any advice!
    • By MarvBear
      A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.
       
      I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We truly appreciate your participation.
       
      Amazon (store card): see Synchrony (GE)
      AMEX:                      (Oasis Program)
      AMEX: 866-314-0237 (new app status)
      AMEX: 800-582-6471 (recon with frozen EX for pin)
      AMEX Business charge cards - (877) 399-3083
      AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)
      Barclays: 888-232-0780 (Customer Care)
      Barclays: 866-408-4064 (Credit Analyst)
      BBVA Compass Bank: (American Express Card issues only) 866-246-2924
      Best Buy: 877-420-0001
      Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)
      BofA: 888-260-4696 (secured accts.)
      BofA: 800-824-5895 (secured & partially secured accts.)
      BofA: 800-881-4730, 866-226-8225, 800-247-7975 (Credit Analyst, existing accounts only)
      BofA: 866-618-4585 (Sr Credit Analyst)
      BofA: 704-386-5687 (Office of the CEO)
      BofA: 888-500-6270 (Credit Dept. Fax)
      BofA Business: 877-665-5023 (Analyst/UW)
      BofA Business: 877-665-5023 (New applications)
      BofA Business: 800-442-1043
      Cap1: 800-625-7866 (Account Specialist)
      Cap1: 800-951-6951 (cust. relations)
      Cap1: 800-548-4593 (application department; status)
      Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
      Cap1: 877-513-9959 (Account Retention?)
      Cap1: 800-258-9319 (Debt Recovery)
      Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
      Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)
      Chase: 800-432-3117 (App status)
      Chase Personal CC Recon 888-270-2127
      Chase Business CC Recon 800-453-9719
      Chase: 800-453-9719 (Business card lending)
      Chase: 888-622-7547 (Chase Executive Ofc. in IL)
      Chase: 800-955-9900 (Product change status questions)
      Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
      Chevron/Texaco Biz Card App Status: 888-243-8358
      Citi: 800-645-7240, 800-288-4653 (Citi Business)
      Citi: 800-750-7453 (Business)
      Citi 888-201-4523 (Personal)
      Citi: 718-248-0847 (EO)
      Citi: 800-695-5171 (New Accounts UW)
      Citi: 605-331-1698 (EO - CC division)
      Citi Credit Bureau Dispute Fax: 866-713-5028
      Comenity: 800-303-1368 (Consumer Relations - Recon)
      Discover: 888-676-3695 (New Accounts)
      Discover: 866-305-7691 (Direct Line TO CS)
      Discover: 866-222-0536 (EO)
      Elan: 800-364-9648 (CC underwriting, business and personal)
      Equifax: 800-846-5279 (Direct to Rep)
      Equifax Executive Office 404-885-8000
      Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
      ExxonMobil Biz Card: 800-903-9966
      FIA: See Elan
      FNBO: 800-444-6220
      GEMB: 877-294-7541 (escalated help desk)
      Haverty's/Sync: 800-333-1082
      Home Depot Store Card: 800-677-0232 (Credit Analyst)
      Home Depot Store Card: 423 467 6957 (App Status/Recon)
      Home Depot MC (Commercial): 800-720-0649
      Home Depot: 800-685-6691 (Commercial)
      Hooters: 801-545-6705, 800-850-4668
      HSBC: 866-574-4421 (App Status)
      HSBC: 866-719-3897 (Credit Analyst)
      JC Penney: 800-542-0800
      Juniper: 866-408-4064 (Credit Analyst)
      Juniper/Barclays: 866-750-6031 (Corp. Offices)
      Key Bank: 888-201-4523 (App status)
      Key Bank: 800-254-2737
      Key Bank MC: 800-288-4653
      Key Bank Credit Research Fax: 216-357-6400
      Lowes: see Synchrony (GE)
      Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
      Macy's: 800-543-9617 (Recovery Services)
      Marvel: see Synchrony (GE)
      Meijers MC: 801-517-5560
      National City: 800-762-0974 (Credit Dept.)
      Nationwide Visa: 866-757-2720 (App. status)
      Nordstrom: 800-964-1800 (CLI)
      Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)
      Philips 66: 866-289-5630, 800-610-1961
      PNC Bank: 800-762-2117 (Business CC)
      PNC Bank: 877-562-0150 (Business UW)
      Sam's Club: 800-301-5546 (Underwriting)
      Sears: 800-599-9710 (App status)
      Shell Fleet Card: 800-223-3296 (App status)
      Shell: 800-223-3296, 866-438-7435
      Shell: 800-377-5150
      Staples: 800-767-1291, 800-282-5316
      Sunoco Corp. Card: 800-935-3387, 800-278-6626
      Sunoco: 800-310-4773
      Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
      Synchrony (GE): 800-588-4290 (Consumer)
      Synchrony (GE): 877-379-8175 (Sr UW)
      Synchrony (GE): 888-885-6937 (Verification)
      Synchrony (GE): 800-333-1082 (Haverty's)
      Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)
      Target Biz Card: 800-440-5317
      Tiffany: 800-770-0800
      Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
      Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)
      USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
      US Bank: 800-685-7680 (Underwriting)
      US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)
      Valero: 877-882-5376
      Walmart (Sync): 877-379-8175 (Sr UW)
      Walmart (Sync): 877-969-5302 (Verification)
      Wells Fargo: 866-677-1128 (CC Executive Office)
      Wells Fargo: 844-576-6424 (Executive Office)
      Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
      Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
      Wright Express: 888-743-3893   
       
    • By Mommaonamission
      It’s a long post but, where do I go from here? I am not sure what to do next. Do I just pay everything off and only charge a small account to one or two cards and pay them off every month or is there more to it? My goal is to buy a house. Hopefully by next summer. I, unfortunately, listened to Credit Karma before I did more research and opened more cards than I probably should have and charged a bunch but, I will have all the balances back at zero in 2-3 months at most.
       
      Here is what I am doing: paying all current credit balances to zero with no more charging, paying down student loans currently in deferment. I am thinking of closing the First Premier card and opening a self lender account (to get a better mix) but, am not sure if closing a paid card will hurt my score. 
       
      This is where I am sitting at:
      Scores
      Wells Fargo Fico 9 score: 626
      Fico 8 scores pulled from premium Experian subscription:
      Experian- 657 Equifax- 643 Transunion: 661 Fico 8: 657
      Collections
      LVNV/Resurgent: $518 paid just waiting to be deleted from credit report
      IC Systems: $253, waiting on a response from debt verification letter, if that doesn't work I am asking for a PFD
      What Is Reporting
      Fingerhut: $73.06 out of $600 limit since Feb 2020
      Capital One (authorized user, no card): $555 out of $9,500 limit since Nov 2014
      Capital One (Walmart store card): $193.24 out of $300 since May 2020
      Credit One $258.50 out of $300 since May 2020
      First Premier: 270.83 out of $300 since Jan 2020
      Synchrony Bank: $0 out of $1800 since Feb 2020 (never used)
      Student Loans
      Went through rehab and now in deferment due to being in school, no longer taking out more loans. Total: $39107.18
       
      I also have some transferred closed student loans showing up on Equifax and Transuion as 120 days late with zero balances that I do not know what to do with. 
        FICO Score Message 1 of 3 0 Kudos   Reply  
    • By Humbled82
      Hello Credit Board
       
      I am newbie to this forum, but have been lurking for a while. I had recently pulled my credit report and I am having major issues with my student loans. Apparently I have loans that have been transferred \ sold and now are with a new company. The original loan was open back in the 2000's but they are still showing on my credit report. I am not sure how I can have these removed. Any assistance would be greatly appreciated. 
       
      Thank you in advance
    • By idonthaveaname
      I just wanted to share my strategy. I've written them many many good will letters and always get the generic response. I decided to message them on Facebook and I got an actual human in the states who responded the same. I then replied with a true sob story and the guy said he could remove 1 late payment from each card. This will change my life so much and hopefully raise my score. I just wanted to to share with you guys who might have issues with comenity



  • Member Statistics

    • Total Members
      179,044
    • Most Online
      2,046

    Newest Member
    MelodyAnnL
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines