CREDIT PET PEEVES
11-05-2012 07:19 PM
Just did a mini app spree--RedCard and Kohls. I got approved for both. $300 CL on Kohls, UNK on RedCard. My computer went haywire while Target was processing my request and completely shut down before it was complete. I rebooted and checked e-mail. I was approved and should get my card in 7-10 days. Except that 7-10 days will be more like 1-2 months. The problem is with both of these cards you cannot enter a PO Box for your address. What the heck are those of us with no mail service at our physical address supposed to do? I had the same problem when I applied for Cap1 in May...didn't get my card until Sept. because I had to first get my credit report, then call to get them to cancel the first card in case someone else had it, get them to reissue new card and change mailing address in their system so that everything would come to my PO Box, instead of being returned to sender as undeliverable or laying in the "dead-mail" warehouse. This is all because of the stupid unconstitutional Patriot Act! I can't even call these companies yet because I don't have my confirmation numbers due to my stupid computer going all haywire! I tried to check status on Target's site, but need a confirmation number, which they did not even put in their e-mail to me. Oh, well, I guess I'll just wait for them to show up on my CR and then call them to send the cards to me...it's time to hang out in the garden for awhile. Then my app spree continued because I had to apply for Care Credit so hubby can go to dentist-they do allow you to use PO Box on online app--got approved for $2000 I asked for so now hubby can get a root canal if he needs one). Anyone else have this problem with PO Box? If you have your own pet peeve about credit, please post it on this thread.
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Re: CREDIT PET PEEVES
11-06-2012 02:20 PM
I am in the same situation. I do not get mail at my residential location (Except for FedEx/UPS). My mailing address is a PO box in the next town over. What you should do in any circumstance is, call immediately after you apply, and let them know that you have two addresses, one mailing and one domicile address.
Current Score: 654 TU, 673 EQ
Goal Score: 705 TU, 730 EQ
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Re: CREDIT PET PEEVES
11-06-2012 02:28 PM
Lol - are you my neighbor on the other side of the mountain???
I don't have a "physical" address either. There's a 911 address (just a very recent thing), but no one has anything up to indicate any such address. We really don't even have house numbers.
UPS, Fed Ex, the Post Office - NONE of them will deliver!
I share your frustration!
Re: CREDIT PET PEEVES
[ Edited ]11-06-2012 08:35 PM - edited 11-06-2012 08:40 PM
Yeah I have a 911 address that isn't recognized either...I have to have UPS and FedEx ship to my parents house then go pick them up. I once had to drive to the UPS distribution center to pickup a package because the sender used my PO Box to ship via UPS. I guess with no real addresses, we've slipped through the cracks!
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Re: CREDIT PET PEEVES
11-06-2012 11:33 PM
It is now possible if your primary address is a PO Box, to use the physical street address of the Post Office for your mailing address. Do NOT attempt to do anything illegal. . Also do not use this for legal documents like wills, stocks, divorce degrees, etc. However, you can have UPS and FED EX delivered to your local Post Office branch for pick up. At least you can where I reside.
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)
Remember the Three P's: Pay early in Full, Pay on Time, Patience
Re: CREDIT PET PEEVES
11-07-2012 12:50 PM
MyFICO EQ 774 on 3/13/13 , MyFICO TU 786 on 3/22/13, Exp Score 742 on 3/13/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 5k, Citi MC Diamond Preferred 10.3k, Chase Marriott PR Sig Visa 7k, Chase Priority 8.4k, Sams Discover 3k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 11.8k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa, 10k Wells Plat Visa 6k RC Willey 5k Discover IT 3k
Re: CREDIT PET PEEVES
11-07-2012 06:01 PM
I had this problem for years, no door to door delivery. I moved about a year ago, it's so much nicer.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Re: CREDIT PET PEEVES
11-17-2012 02:59 PM
What kind of abode doesn't have a mailing address for USPS? I don't really get that
I live in an apartment complex and we have a central mailbox thing (by the apartment office ) and each apartment has a tiny little mailbox and we get a key for it and it all goes it there
Yes, I just used the word abode
Re: CREDIT PET PEEVES
11-17-2012 10:19 PM
The town I lived in before did not deliver mail to residences. You had to physically go to the post office and get your mail from your PO box. This created a problem when ordering things. A lot of them would state, No PO Boxes. Well, that was all I had.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Re: CREDIT PET PEEVES
11-18-2012 08:20 AM
Y'all from out in the boonies then, huh? xD
