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Established Member
mikey4833
Posts: 90
Registered: ‎01-26-2013
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Re: My wife just applied me for credit one and the last digit of ssn is off


calihlove75 wrote:

Swiss Colony? The sausage and cheese shop..lol~ good lord!


Yeah them... The acct# they used was a pre-bankruptcy account number from 2002 and they reaged the one account that was discharged to say it was used after bk and it wasn't. Its discharged on my 2 credit reports. Then thay company is trying to bring zombie debt back from the dead. Somone had a 7th avenue account in my name when I was 9-10 in 94 and it wasn't paid and there was another account that was paid... They turned that into a collection agency Allied Data Corp they say there is no statue of limitations the one guy bragged he collected a zombie debt from 98 from someone when I paid these 2 swiss accounts my wife did.


Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009
Current Score: TU:715 (685 FAKO) EXP:647 (673 FAKO) EQX: 637 (FAKO 615) - All on 04/24/13 In the garden until 05/2014 because too many inq and low AAoA 1.4 mo. My BK chap 7 will be 4 yrs old July 2013
Goal Score: 760+ across the board by next year July 2014 5 yrs after BK


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Established Member
mikey4833
Posts: 90
Registered: ‎01-26-2013
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Re: My wife just applied me for credit one and the last digit of ssn is off


dodfire wrote:

Im just not really sure I am buying into all of this....LOL


Where do you get these cards for your signature that is cool! I cannot figure out how you guys do that. I'm a bit rusty on my html coding. I got 11 I would like to show with pride.


Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009
Current Score: TU:715 (685 FAKO) EXP:647 (673 FAKO) EQX: 637 (FAKO 615) - All on 04/24/13 In the garden until 05/2014 because too many inq and low AAoA 1.4 mo. My BK chap 7 will be 4 yrs old July 2013
Goal Score: 760+ across the board by next year July 2014 5 yrs after BK


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Valued Contributor
Gunnar419
Posts: 1,187
Registered: ‎01-23-2013
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Re: My wife just applied me for credit one and the last digit of ssn is off

[ Edited ]

mikey4833 wrote:

Where do you get these cards for your signature that is cool! I cannot figure out how you guys do that. I'm a bit rusty on my html coding. I got 11 I would like to show with pride.


@mikey, how have you gotten 11 cards? Especially cards you'd be proud to display. You've been complaining bitterly in another thread that you can't get credit four years after a bankruptcy and the situation is so dire that you want the federal government to force banks to lend to you.

 

http://ficoforums.myfico.com/t5/Credit-Cards/Why-do-banks-decline-people-for-credit-cards-that-have/...

 

This isn't adding up.

 

 

 

 

Established Member
mikey4833
Posts: 90
Registered: ‎01-26-2013
0

Re: My wife just applied me for credit one and the last digit of ssn is off


LisaJ wrote:

I feel like I am being punk'd.  But...

 

My ex husband ruined my credit and it took YEARS to build it back up. You need to protect yourself.

 

Who buys that much sausage and cheese?  And that is amazing that your SSN is that close to your dad's...is that typical?

 

You have a DW problem, much more so than a credit problem.  I love and trust my husband, but the one thing we do not share is our credit.  Once burned, lesson learned...

 


My wife is a good girl. I'm 29 she is gonna be 50... Redhead. She does what I tell her to do now with credit. She has her maxed out cards. I have mine at only 9% usage.

 

Swiss Colony is also Seventh Ave, Montgomery Wards, etc. They sale lots of junk. Pure junk.


Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009
Current Score: TU:715 (685 FAKO) EXP:647 (673 FAKO) EQX: 637 (FAKO 615) - All on 04/24/13 In the garden until 05/2014 because too many inq and low AAoA 1.4 mo. My BK chap 7 will be 4 yrs old July 2013
Goal Score: 760+ across the board by next year July 2014 5 yrs after BK


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Moderator
09Lexie
Posts: 26,345
Registered: ‎09-13-2012
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Re: My wife just applied me for credit one and the last digit of ssn is off

Moderator
09Lexie
Posts: 26,345
Registered: ‎09-13-2012
0

Re: My wife just applied me for credit one and the last digit of ssn is off

I think this thread has run its course ( did I already say that?)

Ops topic has been answered a few pages ago.
New Contributor
hausfrau
Posts: 178
Registered: ‎04-06-2013
0

Re: My wife just applied me for credit one and the last digit of ssn is off

Man, I'm hungry as all get out now after all this sausage and cheese talk. For reals.

Starting my rebuild!


Established Member
mikey4833
Posts: 90
Registered: ‎01-26-2013
0

Re: My wife just applied me for credit one and the last digit of ssn is off


Gunnar419 wrote:

mikey4833 wrote:

Where do you get these cards for your signature that is cool! I cannot figure out how you guys do that. I'm a bit rusty on my html coding. I got 11 I would like to show with pride.


@mikey, how have you gotten 11 cards? Especially cards you'd be proud to display. You've been complaining bitterly in another thread that you can't get credit four years after a bankruptcy and the situation is so dire that you want the federal government to force banks to lend to you.

 

http://ficoforums.myfico.com/t5/Credit-Cards/Why-do-banks-decline-people-for-credit-cards-that-have/...

 

This isn't adding up.

 

 

 

 


I got 5 Capital One cards 1k limit each on 3 of those and 1 Discover Cap 1 $500 limit and 1 Sparks Cap 1 $750 limit. Then the Sears MC $4k, Amazon $1100, Walmart $1500, and Paypal Smart Connect $1100 and Chase Slate $700 and Giant Eagle Gas card $500. I opened these last year most of them... What I am complaining about is not being able to get a couple good cards and ditch all these tiny ones from cap 1 except my oldest one discover hsbc $500.


Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009
Current Score: TU:715 (685 FAKO) EXP:647 (673 FAKO) EQX: 637 (FAKO 615) - All on 04/24/13 In the garden until 05/2014 because too many inq and low AAoA 1.4 mo. My BK chap 7 will be 4 yrs old July 2013
Goal Score: 760+ across the board by next year July 2014 5 yrs after BK


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Established Member
mikey4833
Posts: 90
Registered: ‎01-26-2013
0

Re: My wife just applied me for credit one and the last digit of ssn is off

:smileylol: 


hausfrau wrote:
Man, I'm hungry as all get out now after all this sausage and cheese talk. For reals.

:smileylol:


Starting Score: TU:599 EXP: 596 EQ: 595 Starting Year 2009
Current Score: TU:715 (685 FAKO) EXP:647 (673 FAKO) EQX: 637 (FAKO 615) - All on 04/24/13 In the garden until 05/2014 because too many inq and low AAoA 1.4 mo. My BK chap 7 will be 4 yrs old July 2013
Goal Score: 760+ across the board by next year July 2014 5 yrs after BK


Take the myFICO Fitness Challenge
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
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Re: My wife just applied me for credit one and the last digit of ssn is off

To OP:

You can get good cards from prime lenders eventually (minus those you burned and blacklisted you). Just stop applying, let your inquiries age, accounts age, and bk to age.
Practice good credit discipline and you will be fine. It will just make things worse by trying to rush it through. This is something only time can fix
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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