04-27-2009 08:00 AM
04-27-2009 06:10 PM
04-28-2009 08:52 PM
I too have the WAMU Platinum Visa, since 11/07. If I use the backdoor and get accepted for the Perfect or Freedom card, will this continue my card aging as 11/07 or restart with a 2009 open date and close my WAMU card?
Sorry if this question has already been answered. I have never done a product change or transfer before and I will be applying for my first mortgage within the next 6 months.
04-29-2009 05:56 PM
Thank you, thank you, thank you all!
I just used the backdoor number and I was able to get my choice of three different Freedom cards! Whoo hoo!
Since joining the board I have increase my scores from the low 500's to almost 700! Thanks to all!
04-30-2009 01:15 PM
On the 3rd attempt in the past week (all different days) I called this morning and stated my account has been open since 2001. I started with Providian Platinum which converted to WaMu Platinum a couple years ago and I've never had any rewards associated with my account. Note, I didn't ask what other cards were available but just simply what rewards were available. Almost without batting an eye she offered the Perfect Card and two other reward cards with AFs. Naturally, I took the no AF Perfect Card. The other difference today was I called early in the morning PST vs. later in the afternoon. Perhaps the CSRs aren't worn down yet in the morning? Haha!
Definitely a lesson in persistence. Kudos for the backdoor number!
04-30-2009 06:31 PM
Well I tried again, and was refused. However, the CSR was very nice and told me why. (account not old enough)
Told me to keep paying and to call back in two months and he would set me up. (Account is only 6 months old)
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.