11-21-2012 06:13 AM
In 1998 I figured out someone had taken over my Social Securty number. Bought a house and more...
Fast forward to 2011 and I was still struggling to reclaim my identity. I finally applied for a US Bank Secured card and was told to only put $300 down. "you can ad money at anytime" (NOT true) But I also get a Capital One Secured Card a month later and keep adding money to my deposit until it grows up to $1500.00. I know a Venture One Card.
US Bank still wont let me add money. Told me I needed to submit a request to have it converted and now I have a hard pull and an unsecured credit limit of $300.00. They me it is the same account and will not show up as two separate accounts on my credit reports with my oldest trade line being closed. I think they are wrong and I really think it's time I close all my accounts with them and move everything over to USAA. My USAA scores are EXP 718 EQ 693 and my Walmart Fico is 689 And I just refinanced my car through USAA at 4.49%
11-21-2012 08:05 AM
Your new US Bank account will show up on your credit report as having the same open date as yoold old secured one. They will also refund you a prorated amount of your annual fee.
I too had my secured card converted to an unsecured card but I hear that they give decent clis.
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