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since
08-29-2007
05-14-2018
John060675
Valued Contributor
1126
Posts
2
Kudos
04-24-2014
03:21 PM
From my understanding, it is every 3 months. My 3 month anniversary is coming up in 3 days, so I will be trying myself. I am hoping it is a soft pull.
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04-20-2014
12:58 PM
Well i feel better knowing that the extra pull did nothing to my score. I just was shocked to see them pull my report without my permission. I realize that they might have thought the disputes were removed, but at least have my permission before pulling. I plan to call them Monday to make sure they do not pull again until I ask them to.
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04-18-2014
02:15 PM
I am trying to get a mortgage and have been dealing with a lender for the past couple of weeks. He pulled my credit, with my permission, on April 9th. At that time he said that I had a couple disputes on my credit files and I have to have them removed. He helped me with the form and even faxed it to the credit reporting agencies. We left the last conversation then saying that when I hear back from the CRAs then we can proceed. Fast forward to today (April 18th).......I called the credit reporting agencies to make sure that the items were removed. A couple were not, so I asked them to do it. They said they would. I was then curious to see what my score did, so I pulled my TU report. On it showed that the mortgage lender pulled my credit again on April 17th. I have not checked EX or EQ yet, but I assume they probably did on those too. I never gave them permission to do this. What worries me is that I am close to the border on getting a mortgage, and this pull could lower my score a couple points. That would hurt. Am I wrong for being upset at this? Do they have the right to do this? Can I ask them to remove this unauthorized pull? I appreciate your help with this. It just does not seem ethical.
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04-18-2014
12:51 PM
Thank you tomfromrictmame
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04-18-2014
12:49 PM
I am hoping to hear something positive about it, but I am not sure. The mortgage lender told me that it had to be removed because people would purposely dispute their accounts for a bump in score. Having said this, I thought I read somewhere that the scoring no longer takes into account disputes. That is why I was wondering what happens now. Heck, I am hoping the new scoring system will give a boost once the dispute is removed.
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04-18-2014
11:05 AM
I was told by a lender that I must remove disputes on my credit reports before they will proceed with processing my application. I have several active disputes, but they only require the removal of two. My questions: 1. Does the removal of disputes always equal a drop in score? Or can it actually boost my score? 2. Should I go ahead and remove all disputes (assuming a positive score outcome is possible) or just let it be. If it matters, the two disputes they want removed are for a collection that has a balance and a charged off credit card that shows a balance. They are 5 1/2 years old. All the other disputes are from closed tradelines from 5 1/2 years ago without a balance. Thank you.
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04-03-2014
06:15 PM
Comenity was very good to me. Started me at 10,000. They seem to be inquiry and new account friendly.
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03-24-2014
06:16 PM
Yes, my plan is to use them pretty much for all my needs, including the direct deposit of my paychecks. I currently have Wells Fargo and NC State Employees Credit Union. Both have been very good to me, but I have only heard good things about USAA.
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03-24-2014
05:43 PM
My father just joined USAA, so I finally meet their requirements (Yeah me!!). Having said this, I have a settled baddie showing on Chexsystems from 4 1/2 years ago. My question is whether USAA will allow me to at least open a savings account now with a settlement showing on Chexsystems. I would love to open a checking account, also. I have Google searched this, and I get two different answers. I am looking for someone on the forum that may know more before I waltz in there tomorrow. Thank you.
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03-11-2014
05:41 PM
I must have been lucky. I got a 30 day baddie removed 3 or 4 years ago from Cap 1 with a simple call to the customer service line. I just said I made a mistake and asked them to look at my perfect payment history before and since. They removed it with no issues. Just keep calling and asking. Now Barclays is a different story! Any help there would be appreciated.
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03-11-2014
05:35 PM
3 months ago I PC my WF Platinum to the Rewards CC. I just called the normal customer service number on the back of the CC and asked for the change. They said no problem and did it. May I ask which CC you have and what CC are you trying to PC to?
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02-27-2014
06:34 PM
Yeah, I do not plan on dealing with Barclays. I have PIF, carried balances, ran all expenses through them and paid several times a month. All to no avail. I realize I am rebuilding and my scores are low. And I have one 30 day late with them from over 5 years ago. I am sure these are the reasons. I just would like to see a little love. Even a $2 CLI would be appreciated (sort of).
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02-27-2014
05:53 PM
In late January i was approved for a Discover It CC, and the first statement cut on February 11th. As of today (Feb 27) the CC is not showing on any of my credit reports. How long did it take for them to start reporting on your credit reports? Thanks
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02-27-2014
04:38 PM
It has been a long time since I had a 5 digit CL, but I just asked my new Fuel Rewards CC for a CLI. It is brand new and had a $3,000 CL, so I called and thought I was shooting for the moon with a $10,000 request. The person paused for just a 1/2 second and said I was approved for the CLI. I started to do a little happy dance, but then I started have a sad feeling that I should have asked for $15,000. It was a soft pull I then called my new Total Rewards CC, and they upped me from $5,000 to $5,800. Another soft pull. Then I tried online for a CLI with my new Lowes CC ($300) but no dice. I plan on waiting until my 3rd statement cuts for my Discover CC and then asking them to beat my highest credit limit. I doubt they will, but I am definitely hoping. I think this is a hard pull though. We will see. Now if only I can get Barclays to move my CL. I have been stuck at $500 since 2007. All my other limits are leaping forward, except for them. Any advice on getting them to move it up? Thank you.
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02-10-2014
03:43 AM
Thank you for posting what needed to be said. I made a similar post a few weeks ago. This forum is for support and advice, not to point out flaws in decision making or other negative things. Hopefully these people will be weeded out as best as possible and we all will continue our quest for the mythical 850 score together.
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01-26-2014
07:35 PM
Thanks. I decided to try the luv button on the FRN CC before bed and got the dreaded 7 to 10 day message. Will call tomorrow and beg for more. Then to the garden until July. I promise!
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01-26-2014
07:15 PM
I decided to see who loved me and who did not. Results: Discover It - $1,200 (no luck on asking for more, have to wait 3 months) Lowes - $300 (recon for more, but would not budge) Citi Preferred - No dice (said I had a new collection. It is 5 years old, but they said it shows as new) Chase Freedom - No dice (said collection and old CO was the reason) Fuel Rewards Network - $3,000 - I plan to call tomorrow to ask for more. Greed is good. Total Rewards - DId not have the guts to hit send. Felt like 3 for 5 was good. OK, time to garden for a while, but the Total Rewards seems to keep calling my name.
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01-26-2014
08:43 AM
I actually was losing sleep over the past couple of days trying to figure out if I should try or not try for the Discover It CC. I decided why not try, since it was 50 / 50 on people saying to try. Results: Approved for $1,200 CL. Yeah me!!!! I am officially part of the Discover family. When the card comes I plan on trying to call them for a CLI. I will need to do a little research on the forum to see if this is even possible. Thank you all for your help!
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01-25-2014
08:53 AM
I would definitely call. If they deny you, then ask for a reconsideration. You definitely do not have anything to lose by calling them, and only stand to gain.
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01-25-2014
02:28 AM
Yes, the high amount owed on the CO was my biggest hanging up point of calling Discover to apply. I suppose the one bit if good news is that I only have 20 months remaining before this drops off.
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01-24-2014
07:33 PM
Inquiries - 2 on each report Cap 1 Quicksilver $1,200 - 6.5 years Cap 1 Quicksilver $2,000 - 2 years (yes I have 2) AMEX Optima $5,000 - 7 years Barclays Rewards CC $500 - 6.5 years (never a CLI) WF Rewards $1,500 - 6.5 years Home Depot $3,000 - brand new, not reporting yet Utilization is the tricky part. All are $0 balance except AMEX which will report $14, so 1% utilization on open accounts. Having said this, I have a PenFed CO from 2008 for $15,000 that is still showing a balance. This makes my total utilization at 156%. I have been perfect on payments for the last 5 years.
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01-24-2014
07:08 PM
TU? On the site which I cannot name (google search credit pull database) it seems Discover pulls EQ or EX. Man, I hope they do not pull TU.
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01-24-2014
06:56 PM
Ok, no one knows for sure, this I know. However, do you think it is worth applying for a Discover It CC with a score around 665 (should be when lower utilization reports). I have 1 unpaid CO from 5 years ago and 1 collection from the same time ago. From my research it seems to be a 50 / 50 proposition but those posts were from a while ago. I am just on the fence of what to do.
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01-24-2014
06:47 PM
Not yet but I shop at HD quite a bit for work. Establishing a relationship for when I need them.
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01-24-2014
04:57 PM
I can 100% tell you that I had the courage to apply for a Home Depot CC only because of reading it on the forum. I was approved for $3,000. Definitely "monkey see, monkey do" for me.
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01-24-2014
02:46 PM
Hmmm....I know it might go against other people's advice, but I think I would stick with them. I would first try for a recon, then I would send a letter to the EO, and if these do not work then I would close the account. I just think they will reconsider if you escalate. For what it's worth, my account graduated when my scores hit around 600. Of course I did have a checking account too, which I am sure played a role.
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01-23-2014
06:40 AM
As far as i can tell they have discontinued the More card. From what I have read you can PC without any issue. On a side note, I have noticed an increased amount of snide remarks for answers. The reason I use this forum is because it offers a place for people with good and bad credit to share ideas and experiences. Of course a person could just call, but maybe the OP felt more comfortable asking the question in this environment. 99% of all of our questions could be answered by doing an online search or just calling someone. I prefer asking the questions here so people that have been through the same thing can help me. Who knows? They might have a better idea or know of a backdoor method to get a better product. To the OP, sorry about hijacking your post. I just had enough of the snide comments. Good luck and please let us know the end result. Most of us want to know without just calling.
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01-22-2014
10:53 AM
Sadly, it is impossible to say. I asked a similar question dealing with just an utilization change, and I learned quickly that it was impossible to predict the score change. I wish I could be of more help.
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