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shifter's Rebuilding Thread


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3 hours ago, StantheMan said:

Good Job. I’m in a similar situation as you. The rough part is finding EQ pullers only AND ones that I haven’t burned plus that are even worthwhile.

no doubt! that's why I only have 3 cards right now. I've scoured every possibility and nothing fits all 3 criteria.

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Hey Shifter, nice progress you have there. 2 questions, do all your former creditors barred you from applying for their credit cards and secondly does any prime credit card issuers allows you to apply for their secured credit card issued by them? TIA.

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22 minutes ago, shifter said:

The Master Blacklist thread has a lot of good info. Most of the quality issuers have significant BLs in the 7-10 year plus range. 

Thanks for the info!!!  :good:

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On 7/5/2018 at 11:36 AM, StantheMan said:

Good Job. I’m in a similar situation as you. The rough part is finding EQ pullers only AND ones that I haven’t burned plus that are even worthwhile.

 

 

21 hours ago, shifter said:

no doubt! that's why I only have 3 cards right now. I've scoured every possibility and nothing fits all 3 criteria.

Have you guys considered the newly upgraded WF Propel? For shifter, it is similar to NFCU More rewards but still could be a solid additional tradeline from a prime Bank.

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17 minutes ago, shifter said:

WF pulls EX. Already tried them. 

I have a checking account with WF and constantly get mail solicitations and calls from them even though I was declined instantly a year ago for BK from EX. I do have plenty of revolvers from the usual suspects with good limits and oddly enough banks like 5/3 and BBVA who checked TU and EX also with 15k+ limits. 

Penfed (The old Travel Rewards) and HSBC pull EQ and after opening a checking account gave me an Advance MC with $20k and $16 respectively.  

Cap1 is nuts. In the last 3 years I’ve churned 4 Ventures  and 2 QS’s. I now have 3 cards after combo  with near 80k in total limits after burning them for a good amount.   

As for the prime ones biding my time may have to be the M.O. unless another door opens.

 

 

 

 

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  • 5 weeks later...
  • 1 month later...

put in a CLI request on C1 yesterday. heard back today.

Quote

The credit reporting agency has reported too many recent inquiries.

the classic don't call us, we'll call you decline message especially considering I have only 1 inq on TU which is from C1 when I got the card last year.

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actually it appears they used EQ for the decision. that's especially odd since they give the free TU skore with CreditWise. and even more odd that they would decline since EQ is a nearly perfect report.

 

but at least the inquiry message makes more sense since I do have 7 inqs on EQ.

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4 hours ago, shifter said:

actually it appears they used EQ for the decision. that's especially odd since they give the free TU skore with CreditWise. and even more odd that they would decline since EQ is a nearly perfect report.

 

but at least the inquiry message makes more sense since I do have 7 inqs on EQ.

So Capital One will approve people for a card while they still have a Capital One CO reporting, but 7 inquiries is over the line?

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  • 2 weeks later...
On ‎9‎/‎19‎/‎2018 at 5:29 PM, shifter said:

picked up the Citi DC card with a $9,200 CL.

 

more info here: https://creditboards.com/forums/index.php?/topic/615992-citi-blacklist-advice/

got the card in the mail and activated it today. they made me jump through some "fraud prevention" hoops before I could activate it to "ensure it was me who applied for the card". it took like 30 minutes and every time the lady put me on hold I thought she'd come back and say, oh, sorry, your account has been closed.

 

but, alas, the card is activated and my online account is setup as well.

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2 hours ago, shifter said:

got the card in the mail and activated it today. they made me jump through some "fraud prevention" hoops before I could activate it to "ensure it was me who applied for the card". it took like 30 minutes and every time the lady put me on hold I thought she'd come back and say, oh, sorry, your account has been closed.

 

but, alas, the card is activated and my online account is setup as well.

Beautiful.  :good: 

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  • 3 weeks later...
On 8/5/2018 at 12:01 AM, shifter said:

I guess with Disco, 12th times the charm. 

 

Finally got a CLI on my (un)secured it card. 

 

$500! Yay! 😐

2 months later and I got another CLI.

 

This time $2k to take me to $5k. Very satisfied with that.

 

Interestingly my balance is over $2500 right now. In the past I always waited until I had paid it off. Maybe they like to see a balance?

 

Oh and my 12th statement just cut last month. That likely has more to do with it.

Edited by shifter
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Also did a CLI request for NFCU from 25k to 50k. Got a notice they pulled a hard on EQ. Not completely unexpected for that amount I don't think although some people have said they have always gotten soft CLIs. Will see what they say. 

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On 9/19/2018 at 4:29 PM, shifter said:

picked up the Citi DC card with a $9,200 CL.

 

more info here: https://creditboards.com/forums/index.php?/topic/615992-citi-blacklist-advice/

Wow nice! I have not tried Citi since my BK way back in 2009. I do have a BB Citi with a tiny CL which was converted from some other bank. I keep it around just to have a Citi. I would like the Costco card though...

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On 10/18/2018 at 5:47 PM, shifter said:

Also did a CLI request for NFCU from 25k to 50k. Got a notice they pulled a hard on EQ. Not completely unexpected for that amount I don't think although some people have said they have always gotten soft CLIs. Will see what they say. 

This is awesome! I've been following. Nice work!

 

I've opened Secured Discover It with max deposit, and got a Wayfair 1k Unsecured since Discharge 2 months ago.

Considering NFCU Secured now (2 mos. since Discharge), or removing BK from EQ(via methods in these forums) and going for unsecured. 

Advice?

 

I guess I'm wondering if I do secured now, and they see the BK. Will they be "blind" to it if I get it removed in a few months and apply for the Unsecured for a nice 20k credit line?

 

Thanks!

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On 10/23/2018 at 8:28 AM, shifter said:

Just logged into my NFCU account and see they bumped me up to 35k.

 

I would not bother with NFCU until you can get the EQ BK removed. 

Great news you are making great progress! I did a little app spree and it didn't bode well. I'm going to sit on the Discover for now and the wayfair and give it more time and focus on report cleaning before trying for other unsecured. I was surprised I couldn't even get the Amazon Store card. :(

 

I saw your Citi DC success as well, how long should I wait to try for that?

 

Also, I do have open Penfed and NFCU checking/savings that are low balance and dormant. Should I seed them with some savings to show activity and interest before applying in a few months for a credit card do you think?

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