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*sigh. maybe you are right. there is no way to prove that i am telling the truth on the internet. i started this post with all sincerity.
Not another one of these again...
It's simple, if you don't like what the OP is posting or think they're telling a tall tale, just ignore the thread or the user. Plus it'll save me some time trying to go through 50 posts where everybody pats the OP on the back, then the tide turns! It's like a thriller novel!
@visorboy1974 wrote:Not another one of these again...
It's simple, if you don't like what the OP is posting or think they're telling a tall tale, just ignore the thread or the user. Plus it'll save me some time trying to go through 50 posts where everybody pats the OP on the back, then the tide turns! It's like a thriller novel!
If it's a "thriller novel" wouldn't you want them to continue
For the Palladium, I applied during the "open enrollement". There was a period in which you could fax the application directly. Underwriting was similar to any Chase card it seemed. You can read about it on this forum. That window is now closed according to other members of Myfico...
@Anonymous wrote:<a href="http://s1305.beta.photobucket.com/user/jpmorgan2/media/photo-2_zps0b2c9d47.jpg.html" target="_blank"><img src="http://i1305.photobucket.com/albums/s560/jpmorgan2/photo-2_zps0b2c9d47.jpg" border="0" alt="Photobucket"/></a>
Why would people say I am not telling the truth? What POSSIBLE reason would I have to tell a lie on the internet? It's ok if you don't believe me, I could care less. Anyways, I posted a pic to show you that I am not TannerK. I read all about that big mess. I want to stay with the myfico community to learn and share. Not to flame on other peoples posts.
I'm not sure why anyone would lie on the internet. There are millions of examples of people do it though. The reason why I called into question the original post is because it defies everything that is taught and has been proved as fact on myfico. Someone said for me to ignore it if I disagree but I'm not able to overlook the fact that no where else on this forum has anyone ever been giving this much credit in this short of a time except in instances where people were found to be not telling the truth. To rephrase that more clearly....The only time we have ever seen claims such as yours they were essentially proven to be lies. I am not accusing you of the same. I'm only stating that there are few reasons for someone to believe that its possible to be extended that much credit in 12 months. It just doesn't happen. If it happened for you then you have defied common underwriting practices from the companies you've claimed here.
My only reason for bringing this up is for the fact that this forum has helped me greatly and the integrity of the information here is very important to me. This forum has been a beacon of good information on the internet which is a rarity in this day and age. I would like to keep it that way even if it means calling out things that "don't pass the smell test" as someone so appropriately stated before.
This started out as such a nice post...now folks have the claws out again.
He was obviously able to take care of the baddies. It's a lot of work, but it looks like he did it. Congratulations, bro!
omskillet,
I appreciate your candid reply. I can understand why you would think so. At this point, it does not matter to me whether or not Myfico family believes my post. Also, I was going to put my job title and employer, but given the response I received here, I was against it. Just, I feel good about my credit journey. I value the information here on Myfico, so I hope you understand that it was important to me to post the picture of all the credit cards I "claimed" to have. That is the furthest I will go to support my original post. But I truly appreicate your level headed response.
@omskillet wrote:
I'm not sure why anyone would lie on the internet. There are millions of examples of people do it though. The reason why I called into question the original post is because it defies everything that is taught and has been proved as fact on myfico. Someone said for me to ignore it if I disagree but I'm not able to overlook the fact that no where else on this forum has anyone ever been giving this much credit in this short of a time except in instances where people were found to be not telling the truth. To rephrase that more clearly....The only time we have ever seen claims such as yours they were essentially proven to be lies. I am not accusing you of the same. I'm only stating that there are few reasons for someone to believe that its possible to be extended that much credit in 12 months. It just doesn't happen. If it happened for you then you have defied common underwriting practices from the companies you've claimed here.
My only reason for bringing this up is for the fact that this forum has helped me greatly and the integrity of the information here is very important to me. This forum has been a beacon of good information on the internet which is a rarity in this day and age. I would like to keep it that way even if it means calling out things that "don't pass the smell test" as someone so appropriately stated before.
I've seen people claim over $200K in new credit in a 3 month period just because they were able to dispute a BK as not theirs (and it's theirs). I've also seen someone add over $150K in credit lines in the past year just by cleaning up their reports and securing a nicer job. The secret to this person's success? Recon recon recon! There are many ways to have this kind of success...once you get past baddies, income plays a huge role in getting approved for credit. Would you have an easier time believing someone with no PR on their report claiming $200K in new credit or one with a BK7 reporting and $130K+ in unsecured credit. I have no doubt that both scenarios are "possible".
@Anonymous wrote:omskillet,
I appreciate your candid reply. I can understand why you would think so. At this point, it does not matter to me whether or not Myfico family believes my post. Also, I was going to put my job title and employer, but given the response I received here, I was against it. Just, I feel good about my credit journey. I value the information here on Myfico, so I hope you understand that it was important to me to post the picture of all the credit cards I "claimed" to have. That is the furthest I will go to support my original post. But I truly appreicate your level headed response.
As with any post everyone should take it with a grain of salt. Just because a situation differs significantly from the norm does not make it completely untrue or true for that matter. There may be more to the story, perhaps the op has additional assets that could allow him to access higher limits? I'm playing devil's advocate here and lets not personally attack one another.
Some people on myfico do have massive limits but it is masked because of npsl cards. A person could have few cards, but that npsl could mean HUGE spending power. It's not impossible