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@CalAlumnus13 wrote:Nice thing about Experian is, once you get a free report through AnnualCreditReport, you can keep checking it indefinitely.
By indefinitely, do you mean it'll keep updating for free?? O.o
@kc12286 wrote:
I'm assuming this is just because the statement hasn't closed.
They can't access your non-Chase accounts so they can only go by what has reported. If you're relying on reduced balances for a CLI or app then make sure the changes have reported. You can use a CMS to monitor.
@KennyS2006 wrote:
i would never CLI a chase card, to be honest. The odds just are never in anyone's favor.
It all depends on one's credit. If one hasn't improved one's credit per Chase's critieria or doesn't have enough headroom according to their internal scoring then there's no reason to expect a CLI. Chase certainly gives out CLI's and one can't just rely on generic odds.
@CalAlumnus13 wrote:I know that's the conventional advice, but should we be worried about apping for new cards in light of the recent AA reported here?
I wouldn't consider it sufficient evidence to indicate any sort of overall trend. What you should or shouldn't do is your call to make.
@kc12286 wrote:
I meant that some of the updated balances hadn't reported. But she did also cite some delinquency that I'm pretty sure is incorrect. I said I've never been delinquent with this account and she said, well it was awhile ago.
Derogs are always a major issue. Work on getting it removed. See the rebuilding subforum.
@colinstu wrote:
@CalAlumnus13 wrote:Nice thing about Experian is, once you get a free report through AnnualCreditReport, you can keep checking it indefinitely.
By indefinitely, do you mean it'll keep updating for free?? O.o
It's one report in the 7 day free trial with money after that. If you call them, they will give you a discount. You can then pull one every 24 hours if you want.
No, I'm referring to the government-mandated yearly free credit reports. When you pull your Experian under this process, it gives you the option to write down your report number, so you can view your report for the following 90 days.
Here's the cool part: every time you check your report for free with that report number, it shows you the updated report. *And*, every time you check, it resets the 90 day clock.