topic Re: mini spree cra recap + questions in Credit Cards

mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 19:49:42 GMT

Hi there, hope everyone is having a great weekend. 76 degrees in 90210 right now so I am good lol. In a quest to unscrew my life a bit I could use some fine tuning from the experts. please. My objective is to get into the mid 700s and hopefully get better car lease rates and higher CLs. Unless a CSP dropped in my lap I think I can garden for a bit - car lease is 1/17. Below is what I did last month and thus far except for the pulls not much movement has happened. Of course CK reported a -14 hit when the chase reported down to 757 so I paid my $ 1 to CCT and below are the real results.

Chase just reported today. I always pif. all my cards and a 1K DFS are due on the 12th. I just paid 3200 on the QS and nothing is now owing. I have 4K on the venture 600 on the FU due the 12th and 1K on the PRG that will be paid in may sometime. All of these amounts were just to get the rewards out of the way. I like to go to Europe a few times a year on pleasure so rewards work for me.

My question is what should I do now - for the FU to be more useful I would like a 10K+ line on it so should I pump and pif the card and sd the rest or what exactly? I don't know how chase works - with cap1 all I did is max the card and pif a few times and the cli's fell into place. it seems like a roller-coaster of sorts - I run up a balance which hurts my score and then pif which then restores it. Anyhow I am rambling because I don't know the details and that is where you gents come in. and don't flipping taunt me with a marvel card, if cap america was metal it would be in my wallet lol. Oh, to round out my background I have a bunch of tax liens which I will do something about at some point and a collection that will fall off 11/17. I BD'ed my PRG to 1985 to remind me of what I used to have in my life and what I want again for myself.

All comments welcome and thank you in advance

04/16/16 FICO8 EX678 TU686 EQ708

03/10/16 FICO8 EX682 TU690 EQ708

03/04/16 QSWMC CLI 8300>12300

03/04/16 Venture 20K

03/12/16 FUVS 6K

03/22/16 PRG

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 20:59:07 GMT

Welcome to the board. The tax liens are holding your score down. Question for you.. Are those the days you received the cards as stated in your post?

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 21:33:19 GMT

@Anonymous wrote:
Welcome to the board. The tax liens are holding your score down. Question for you.. Are those the days you received the cards as stated in your post?

Thank you -- those are the days I got approved. I put my head in the sand, I have 6 liens from both state and federal. I have only had an active card in play since 9/14 - things fell apart for me a decade ago. I have old history, paid off mortgage and I have had back to back car leases for 30 years. never missed a single payment. the collection was stemming from my ex wife - long story but again its coming off 11/17. calvary, no pay for delete so I don't see the benefit of paying it off.

Are you alluding to that I can maybe hit 700 across the board but that is about it given my situation? Just give it to me straight, I put myself here I am past the point of being ashamed for my prior actions.

Thanks again YIM!

Edit: This html is killing me haha - I have come a long way in 18 months, over 100 with one CA and close to it with others. I have more in my file and sort of expected when the dust settled they would start reporting and put me in a better place. I hope this was not all done in vain.

double thanks again!

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 21:45:00 GMT

For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 21:54:46 GMT

@Anonymous wrote:
For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...

re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 22:01:45 GMT

@omfgpart2 wrote:
@Anonymous wrote:
For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...

Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.

By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 22:20:48 GMT

From closer to 90220 (Compton)

I say welcome as well

As far as the tax liens go (Ca. and Feds) they will keep your scores down (age helps a bit)

however some lenders really care...meaning automatic 'heck NO' ( like DCU)...while others like NCFU/USAA have seemed not to give a rip

(Navy 40k worth of unsecured lines and a car loan ...USAA = Visa siggy + Rate 'advantage' + AmEx w/ rewards all on 1 HP)

DCU not even $500...so the tax lien thing can be a hot/cold issue depending on the vendor...

Congrats on your rebound

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 22:30:05 GMT

@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:
For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.

By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.

There we are the meat of it! I will spare you the details but I can put client expenses through my cards and get reimbursed if it will help my cause. I have not done this thus far. They don’t care so it’s an option. The amount I put through my card, now cards can really vary. You tell me how much to run against what card and I will make that happen. Tell me how much to put on chase and what to do with the other cards and it will be done. Thank you very much for your time, I very much appreciate it.

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 23:09:33 GMT

@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:
For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.

By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.
There we are the meat of it! I will spare you the details but I can put client expenses through my cards and get reimbursed if it will help my cause. I have not done this thus far. They don’t care so it’s an option. The amount I put through my card, now cards can really vary. You tell me how much to run against what card and I will make that happen. Tell me how much to put on chase and what to do with the other cards and it will be done. Thank you very much for your time, I very much appreciate it.

Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 23:21:49 GMT

@Anonymous wrote:
From closer to 90220 (Compton)
I say welcome as well

As far as the tax liens go (Ca. and Feds) they will keep your scores down (age helps a bit)
however some lenders really care...meaning automatic 'heck NO' ( like DCU)...while others like NCFU/USAA have seemed not to give a rip
(Navy 40k worth of unsecured lines and a car loan ...USAA = Visa siggy + Rate 'advantage' + AmEx w/ rewards all on 1 HP)
DCU not even $500...so the tax lien thing can be a hot/cold issue depending on the vendor...

Congrats on your rebound

Hey neighbor! http://www.barandque.com/ that is all. LOVE this place. Slightly dangerous area to me, maybe that makes it taste all that better

Thanks for the comments, mucho appreciate it. I know dealing with the tax folks is the next phase. Actually there is a ton of info in the rebuild area, good call by YIM.

So it seems like I just lucked out of what to app for ha-ha – I had a chase mortgage in the past. It was pretty fat so my hope was that there would look at that if I had to recon it when I got the fu. Hoping the same if I ever get a csp in the future. Ditto with amex, we go way back and I never burned them. Actually only boa got a little torched in my meltdown.

What I gather is that I need to work over the fu like I did with my qs and it should cli at some point. With that and letting my stuff age my scores should come back up a bit and then deal with the liens.

Does having a collection fall off help? DOLA is 10/2010

Thanks again amigo, take care now

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 23:27:37 GMT

@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:
For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.

Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.

With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance...
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.

By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.
There we are the meat of it! I will spare you the details but I can put client expenses through my cards and get reimbursed if it will help my cause. I have not done this thus far. They don’t care so it’s an option. The amount I put through my card, now cards can really vary. You tell me how much to run against what card and I will make that happen. Tell me how much to put on chase and what to do with the other cards and it will be done. Thank you very much for your time, I very much appreciate it.
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.

4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks

Re: mini spree cra recap + questions

Anonymous — Sat, 16 Apr 2016 23:33:39 GMT

@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks

You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.

Re: mini spree cra recap + questions

bourgogne — Sat, 16 Apr 2016 23:41:08 GMT

@Anonymous wrote:
@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks
You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.

I had that loan for over a decade and never missed a payment. never. and I paid it off in full. I am going to take your advice and run with it. ~4K a month on the fu. No more apps for the year. Let everything age and catch up. Hopefully get a cli on the FU at some point. Hopefully when the dust settles I can get a pre-approval for a CSP and get it after I refresh my car lease next year. I think you are right re the internal scoring with chase or they probably would have never approved me from the get go for the fu with my crappy scores. As you will see I am a quick study and excel at execution – I will report back when the cli happens. You are a rock star, thanks a ton!

Re: mini spree cra recap + questions

Anonymous — Sun, 17 Apr 2016 00:40:58 GMT

@Anonymous wrote:
@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks
You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.

But I'm upset that the OP is making me consider driving up to Melrose for some darn Bar B Q....darn you

Btw if La Brea and Melrose is the worse part of L.A. to you ...have you 'been to' Hollywood' or Santa Monica?

Just ribbing (there it is...bar b qw, again) no but seriously between that place and Pink's Hot Dogs you'll see half of Hollywood near LaBrea and Melrose (granted homeless ppl too but c'mon it's the Big City America baby)

But piggybacking the above post...it's easy many times to rebuild a 'old flame' once they see those coals getting hot again, you'd surprised.

I used to tell ppl it's easier for a person who lost two million homes to get a 3rd b/4 a guy in a modest home can triple his 'normal' 300k loan....

b/c had the 'loser' shown at some point he/she could handle it ppl are more likely to say 'he's BACK'....whereas the 300k has never 'proven' he can handle a 900k to any degree...even with a prefect payment record it's 'yeah but that was in the Valley'....

Re: mini spree cra recap + questions

Anonymous — Sun, 17 Apr 2016 00:01:21 GMT

@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks
You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.
I had that loan for over a decade and never missed a payment. never. and I paid it off in full. I am going to take your advice and run with it. ~4K a month on the fu. No more apps for the year. Let everything age and catch up. Hopefully get a cli on the FU at some point. Hopefully when the dust settles I can get a pre-approval for a CSP and get it after I refresh my car lease next year. I think you are right re the internal scoring with chase or they probably would have never approved me from the get go for the fu with my crappy scores. As you will see I am a quick study and excel at execution – I will report back when the cli happens. You are a rock star, thanks a ton!

Good decision.. At the same time, work on the liens.. Once that is done, your profile and score will improve immersely. And with Chase give it at least 6 months minimum. Will keep fingers crossed for you and if you have questions, ask away...

Re: mini spree cra recap + questions

bourgogne — Sun, 17 Apr 2016 18:56:00 GMT

@Anonymous wrote:
@Anonymous wrote:
@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks
You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.
+1
But I'm upset that the OP is making me consider driving up to Melrose for some darn Bar B Q....darn you
Btw if La Brea and Melrose is the worse part of L.A. to you ...have you 'been to' Hollywood' or Santa Monica?

Just ribbing (there it is...bar b qw, again) no but seriously between that place and Pink's Hot Dogs you'll see half of Hollywood near LaBrea and Melrose (granted homeless ppl too but c'mon it's the Big City America baby)

But piggybacking the above post...it's easy many times to rebuild a 'old flame' once they see those coals getting hot again, you'd surprised.

I used to tell ppl it's easier for a person who lost two million homes to get a 3rd b/4 a guy in a modest home can triple his 'normal' 300k loan....
b/c had the 'loser' shown at some point he/she could handle it ppl are more likely to say 'he's BACK'....whereas the 300k has never 'proven' he can handle a 900k to any degree...even with a prefect payment record it's 'yeah but that was in the Valley'....o

dude, the location i go to for bludsos is in compton, not that yuppy place lol

Re: mini spree cra recap + questions

bourgogne — Sun, 17 Apr 2016 18:58:47 GMT

@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.

If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.

Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.

So treat the card well and you will be very happy.
4K is not a problem, thank you. Great idea with getting a relationship going with chase – in better times I had a loan for over 1.5 mi with them. Ah those were the days, live and learn. The only ways to learn are via pain and money it seems. Enjoy what remains of the weekend and again my sincere thanks
You know whats funny, I was just typing that based on your responses, your mortgage with Chase was over a million dollars or two millions based on the answers you are providing and you just confirmed it.

Chase will be treating you very nicely and you do your part in return. I can bet in 6 months, you should be able to get approved for the CSP..... Chase bases their decisions on internal scores and they have a long memory. So you are in good hands.
I had that loan for over a decade and never missed a payment. never. and I paid it off in full. I am going to take your advice and run with it. ~4K a month on the fu. No more apps for the year. Let everything age and catch up. Hopefully get a cli on the FU at some point. Hopefully when the dust settles I can get a pre-approval for a CSP and get it after I refresh my car lease next year. I think you are right re the internal scoring with chase or they probably would have never approved me from the get go for the fu with my crappy scores. As you will see I am a quick study and excel at execution – I will report back when the cli happens. You are a rock star, thanks a ton!

Good decision.. At the same time, work on the liens.. Once that is done, your profile and score will improve immersely. And with Chase give it at least 6 months minimum. Will keep fingers crossed for you and if you have questions, ask away...

I will, I should have it all cleaned up but the end of 2017. I did see some posts on removing them in the rebuild forum. The liens are from from before 2013 if that helps. Hope you are having a nice weekend, its broiling out here in LA