topic Re: Finishing up my portfolio in Credit Cards

Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 03:25:20 GMT

My EX went to 710 this AM.

Called Amex for a CLI asked them to fresh soft pull (they didn't) she gave me the 7 to 10 day.

I was kinda upset so I pulled up the application at my credit union and asked for a 10K Visa- APPROVED
That made me feel better.

Called and wrote HSBC - closed both accounts.

Seems I also put in an app for AMEX green as well-still pending.

So that WAS 230 points in 1 year- I am sure the 2 hards put me back down bellow 700.

This now makes AMEX my LOWEST CL and HIGHEST APR.

Re: Finishing up my portfolio

MidnightVoice — Fri, 21 Dec 2007 03:27:01 GMT

Timothy wrote:

This now makes AMEX my LOWEST CL and HIGHEST APR.

Amex is my lowest CL and nearly highest APR (when it kicks in). But EX hates me

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 03:28:03 GMT

You know the amex green charges 95 / year AF right?

Re: Finishing up my portfolio

fused — Fri, 21 Dec 2007 03:31:14 GMT

Very nice Timothy. I think you hold the record in the forums for the most points gained in the shortest time span...amazing! As for AMEX, I would think they would give you something. How much did you ask for? Now you are 100% prime baby! HUZZAH!!!!!!!!!!!

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 03:32:13 GMT

Yep-

Still easier than the 4 payments a month I have to pay them now-

Plus the $30 for an additional card- and it reduces the AF on my Delta.

@Anonymous wrote:
You know the amex green charges 95 / year AF right?

Re: Finishing up my portfolio

fused — Fri, 21 Dec 2007 04:06:48 GMT

Is a Discover card in your future?

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 04:21:33 GMT

Nope- Not for another year.
I still have 2 60's under 2 years old.

@fused wrote:
Is a Discover card in your future?

Re: Finishing up my portfolio

fused — Fri, 21 Dec 2007 04:52:26 GMT

@Anonymous wrote:
Nope- Not for another year.
I still have 2 60's under 2 years old.

@fused wrote:

Is a Discover card in your future?

You have two 60's under two years and still have a 710. My word! If your util is good, I would have to think getting these removed would give you 30 points or more.

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 05:04:07 GMT

On EX these are the last 2 of the 4 lates left.

Think I started with 32 !!!!!!!!

I got Capone to remove the 30's but not the 60's.

@fused wrote:

@Anonymous wrote:
Nope- Not for another year.
I still have 2 60's under 2 years old.

@fused wrote:

Is a Discover card in your future?

You have two 60's under two years and still have a 710. My word! If your util is good, I would have to think getting these removed would give you 30 points or more.

Re: Finishing up my portfolio

haulingthescoreup — Fri, 21 Dec 2007 11:22:26 GMT

@Anonymous wrote:
My EX went to 710 this AM.

You made it--congrats!!! You're definitely the lead dog in the 2007 myFICO forums sled dog race.

Hope AmEx figures out that they've got a quality cardholder in you.

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 12:25:50 GMT

Holy *&!@ Amex approved my Green - Unbelievable.

Always wanted an "Other" section on my Credit Report.

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 13:11:47 GMT

Wow Timothy! Super congrats! On all counts! Job well done.

What was your secret in getting Cap1 to remove the lates?

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 13:25:12 GMT

I asked very nicely- With a supervisor of the account specialist.

Also asked for what statement contained the
§ 623.(7a) Responsibilities of furnishers of information to consumer reporting agencies-
Providing my notice to report negative information?

They were late but not 30 days late-

Funny this is for the DW- they zapped her 60 and left the 30-

@Anonymous wrote:
Wow Timothy! Super congrats! On all counts! Job well done.

What was your secret in getting Cap1 to remove the lates?

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 13:32:02 GMT

@Anonymous wrote:
I asked very nicely- With a supervisor of the account specialist.

Also asked for what statement contained the
§ 623.(7a) Responsibilities of furnishers of information to consumer reporting agencies-
Providing my notice to report negative information?

They were late but not 30 days late-

Funny this is for the DW- they zapped her 60 and left the 30-

@Anonymous wrote:
Wow Timothy! Super congrats! On all counts! Job well done.

What was your secret in getting Cap1 to remove the lates?

I see....I think. Was that from the FCRA? It appears you went in armed with ammunition to plead your case...and you did very successfully.

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 16:57:02 GMT

Great work!! Load up on ammo and go in with guns blazing!!

Re: Finishing up my portfolio

Anonymous — Fri, 21 Dec 2007 18:01:09 GMT

Thanks everyone-

This also takes my AF on Skymiles from $85 to $30

So that wipes out most of the AF on this card.

Re: Finishing up my portfolio

jackg — Fri, 21 Dec 2007 18:55:49 GMT

Timothy,

As a result of all this good activity, which leaves AMEX as the lowest CL and highest APR, do they now transition to the "Chopping Block", or is there too much good history to lose?

Re: Finishing up my portfolio

Anonymous — Sat, 22 Dec 2007 00:36:44 GMT

This is why I got the Green-

I am a PIF'er to the APR does not really matter (except principle)

The CL on the Sky Miles is killing me though-

I figure all the benefits without the hassle-

HSBC X2 got chopped and I recently combined my 2 Capital ones-

jackg wrote:

Timothy,

As a result of all this good activity, which leaves AMEX as the lowest CL and highest APR, do they now transition to the "Chopping Block", or is there too much good history to lose?

Re: Finishing up my portfolio

orl2185 — Sat, 22 Dec 2007 00:45:51 GMT

Super Duper Congrats go out to you MOD... Congrats of going up to MOD also.

Re: Finishing up my portfolio

Anonymous — Thu, 27 Dec 2007 04:38:31 GMT

that's great Tim--I know you have a cccu and told me it took 2-1/2 weeks. Did you get their response by mail? I really want it so i can get rid of two high interest ccs. hsbc is one. I've been with them over 4 years and they will not give me cli or lower horrible rate.

I can't stand any more inqs from ex so i guess trying for an amex is out of the question????