I started the fight all on my lonesome in February, then discovered this board and all the tricks and tweaks So now I know what NOT to do with credit and inqs and scores, and the only thing that will help more is time.
FICO_Focused wrote:Sounds like enough, combined with Paid Closed and Paid current installments and Mortgage... Your profile is a great one. It's always nice to read your posts and hear your minimalistic approach to FICO management. I know your score is high...But our approaches are different as well. I'm looking for expedited FICO amplitude, and I need to keep the Amex TLs on my CRA for the maximum growth over the next 5 - 11 months.Keep fighting the good fight Midnight!Rob
this happened a couple of hours ago, and, guys, i am walkin' tall. no regrets. and i even got them to immediately credit my bank debit card with the $135 dollar annual fee that i had immediately paid on that piece o' crap delta skymiles card.it feels good to NOT need those cards!
Great post Dog.........I applaud you, sincerely!!!!
dog wrote:thanks guys,that is exactly what i was thinking. i refuse to allow any company to drag me around by the cojones. if amex had asked for my income tax returns during the application process, i would have withdrawn my applications then. what makes it even more egregious is that it appears that they are pulling this stunt on just about everyone who opened an account recently. i make more money than i claimed on my apps! i paid my $135 annual fee the day i activated the skymiles! i didnt even use the damned cards yet! and you want my income tax returns? the returns that have my childrens ssn's, that tell how much i spend for child care, that show how much interest i paid on student loans last year, that show my personal and business deductions, that show how much of a tax refund i received this year, that show how much i pay for health care? i'll tell you what amex, go get that info from some other sucker.hey amex, i aint going to treat you differently than any other merchant....if the clerk at the corner grocery is rude, i dont shop there....if the local video rental shop doesnt treat me right, i dont rent there....if the cell phone company doesnt provide good customer service, i switch carriers.....if the chinese restaurant up the street delivers cold food, i'll start ordering indian....amex, i am not a valued customer to you! maybe if i was asking for a $500,000 mortgage, but a measly $9k combined credit line? i laugh in your face, and, amex, i sure as hell will leave home without it!