hateAshbury Tracker

Re: BCP Approved!!

hateAshbury — Wed, 13 Feb 2013 05:40:50 GMT

big congrats

I got approved this month with a 688 TransUnion (as reported by AmEx; my myFICO TU score is 726 -- I don't know what the discrepancy is), so even bottom-feeders catch a break once in a while

Re: Amex Delta APPROVED!

hateAshbury — Thu, 31 Jan 2013 01:10:25 GMT

congrats! what did they say your FICO was and which bureau?

Re: Mortgage with 5% down -- possible?

hateAshbury — Sun, 20 Jan 2013 04:24:22 GMT

thanks for the info. Would someone explain difference between conventional and FHA mortgages? I'm not real savvy here, as I hadn't expected to be in the market for a house so soon

Mortgage with 5% down -- possible?

hateAshbury — Sat, 12 Jan 2013 02:02:04 GMT

I'm looking at a house that's on the market for $240,000 but I have only $10,000 or so in cash for a down payment. I can easily afford a 30-year mortgage of $230,000, but would a lender actually lend that much to me with less than a 5% down payment? I have a decent FICO (about 730) and make $90,000 a year. No debt except $15,000 in student loans.

Re: AMEX BCP Approval?

hateAshbury — Sun, 30 Dec 2012 04:59:17 GMT

I say go for it. I'd peg the odds as 3:2 that you'll get the BCP with $2,000 initial CL. WCS is you get an inquiry, but if so then NBD.

Let us know what you do and good luck!

Re: AMEX PRE APPROVAL LINK

hateAshbury — Sun, 30 Dec 2012 01:02:26 GMT

have never seen it. It's a myth.

Re: Credit Karma laugh

hateAshbury — Mon, 24 Dec 2012 03:28:17 GMT

In my experience, CK is at least as valuable as, say, MyFICO. The former has proven to be more sensitive to changes in my credit profile -- for better or worse -- than the latter.

Re: amex au reporting

hateAshbury — Thu, 20 Dec 2012 01:26:04 GMT

I've been an AU for almost a year now, have put $7,000 or so through the card, and have not yet seen an AmEx trade line on my credit report.

Discover: ANY collection makes CLI a nonstarter?

hateAshbury — Tue, 04 Dec 2012 17:25:20 GMT

so I've been banging my head against the wall trying to get my abject $1,500 credit limit with Discover up to a measly $3,000, but to no avail. I've been a cardholder for 10 years and currently have a FICO above 700. Could it be that Discover simply does not raise credi tlimits on customers with chargeoffs (on other cards)? I have a chargeoff with Capital One and a medical collection dating to 2009, both have been paid off.

How can I get a manual review?

Re: installment loan ages off and score drops 27 points

hateAshbury — Tue, 04 Dec 2012 01:03:32 GMT

my student loans recently were transferred from "Servicer A" to "Servicer B". For a few months, none of my loans reported, and I had a 10-point drop, although everything else in my credit profile -- AAoA, utilization, payment history -- improved. I expect that when Servicer B starts reporting, I'll get that 10 points back, and maybe an additional point or two.

Re: How long for AMEX to report to CR

hateAshbury — Wed, 21 Nov 2012 22:37:56 GMT

Do charge cards like Gold and Green even get reported to the bueaus? I've had Gold for about a year (AU) and still don't see an AmEx line on my credit report.

Re: Discover CLI request denied via CSR, recon HUGE SUCCESS!

hateAshbury — Tue, 20 Nov 2012 03:20:38 GMT

well-played, congrats

advise me on how to app 2 AmEx, same-day

hateAshbury — Mon, 19 Nov 2012 03:08:24 GMT

So I plan on applying for a charge (Gold) and credit (BCE) card in January. I'm guessing I'll do through the AmEx web site. Would it make more sense to start with Gold and then app BCE? Is there any information that could be construed from either an approval or denial of Gold that could impact my subsequent decision to app for BCE?

Re: Best Buy sending out new store card (design)

hateAshbury — Fri, 16 Nov 2012 04:14:23 GMT

Got mine today. Pretty ugly, and looks indistinguishable from a phony card you might find in a junk-mail solicitation.

Did anyone find a higher credit limit upon activation?

Re: Discover CLI

hateAshbury — Wed, 14 Nov 2012 04:28:28 GMT

Congrats. Discover has been a tough nut for me to crack. Member since 2001, I put a fair amount of volume through the card every month, pay in full, and for all that I have just a $1,500 credit limit. My TU FICO has held steady at 720-730 for most if not all of 2012. If it weren't for (1) having this card raises my AAoA significantly and (2) I don't pay a fee on the card, I would dump this card immediately. It does very little to justify being in my house, much less to justify being in my wallet.

Re: Amex revolvers

hateAshbury — Sun, 11 Nov 2012 14:59:41 GMT

congrats on the Delta skymiles -- 5K is a pretty decent amount considering 670 FICO with a couple derogs

Re: Discover score tracker

hateAshbury — Sun, 11 Nov 2012 01:34:15 GMT

in what sense are the FICO scores being reported by Experian, Equifax, TransUnion not "real" FICO scores?

Re: Capital One CLI!!!!!!!!!!!!!!!!

hateAshbury — Fri, 09 Nov 2012 23:29:56 GMT

was the credit pull hard or soft?

Re: BCE approved!

hateAshbury — Thu, 08 Nov 2012 04:47:31 GMT

advisable to go into the garden **bleep**

yet another AmEx backdating question!!!

hateAshbury — Thu, 01 Nov 2012 23:19:00 GMT

I'm an AU on my dad's AmEx. My card reads "member since 11" (i.e. member since 2011). My dad has had this car for 20 years, so I'm guessing his plastic reads "member since 1990" or something like that.

I have no other AmEx cards, but plan to apply for my own in a month or two.

I assume that if I apply and am awarded the card in November, the card's age will begin November 2012, right? But if I wait until January 2013, then the card's age will begin January 2012.

Do I have that right? If so, then from an AAoA perspective, it's advantageous to wait until January, correct?

All of this changes, however, if my being an AU means I'm not a bona fide member of AmEx. In which case I should app in December 2012.

Please spell out the logic or illogic of my reasoning, and advise on when to initiate the app. Thanks