Fraud Alert Ruining My Application Plans

[Cashbackjunky]

I'm sure you've already done the math, but do you spend more than $3,167 per year ($264 per month) on groceries? If so, I'd go with the BCP. I have one and I love it!

Cheers!

[Anonymous]

I have done the math and myself and my wife are really frugal and dont spend but around $ 150.00 per month.

@ no more than $ 2400.00 per year at the most.

We have cut our budget drastically over the past few months.

That is why I believe that the BCE would be right for us.

[Cashbackjunky]

Good for you guys! I don't think my SO and myself could live on $150 in groceries per month! Lol

Keep this thread updated with how the apps go on Monday!

Cheers!

[Anonymous]

Lol.....

Trust me, it was very hard to do at first, but it isnt a big deal anymore.

I will let you know Monday evening after I find something out.

Thanks

[Meanmchine]

Once you have a fraud alert on your file, the first thing you MUST MUST MUST MUST do is contact EX EQ and TU ( all three ) and make sure they add a current phone number for you to the alert.  No phone number on a FA =-insta denial.

Also, be aware that Comenity has serious issues with FAs. A simple CLI request might end up s a HP
Dont expect any ( or very little ) SCT popups.

Additionally, when the FA was added, you were automatically OPTED OUT of receiving new creditor solicitations . If you wish to receive these again, you have to go to the website and OPT IN again

Initial FAs last for 90 days but you can have them removed at any time.  This can be done by phone usually except for EQ as they are a  pain.

Good luck

[Cashbackjunky]

I'm excited for the results of your applications!

Cheers!

[Anonymous]

Thanks.

I appreciate your support !

[Cashbackjunky]

@Bluefooted, any luck on your Monday applications?

Cheers!

[Anonymous]

Unfortunately,

I am still waiting on my credit reports to update my utilization at 1.44%.

I was hoping that they would be updated by now !

The statement was cut on Sunday, it's now Wednesday and nothing has updated

Yet, go figure !

I am hoping they will be updated by tomorrow !

[Anonymous]

There is one thing that I do know if nothing else,

My current scores arent that bad and those current scores are with a 96% utilization.

Once my new util posts, my scores should skyrocket.

Giving me a great shot at high SL's on both of my new Chase cards.

I will be going for both CSP and Freedom back to back to get them UR points churning for me and

my wife's vacation plans to Las Vegas this year !