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Fraud Alert Ruining My Application Plans

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ChargedUp
Senior Contributor

Re: Fraud Alert Ruining My Application Plans


@Anonymous wrote:

 

 

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 !


You may get an approval as is, but if you wait for your UTIL to update, you'll likely get a better APR and/or SL.

 

Depending on who you paid your original debt to, you may be able to get them to do a CR update with a phone call or SM.

Message 21 of 29
Anonymous
Not applicable

Re: Fraud Alert Ruining My Application Plans

 

 

It is a Syncrony / Lowes credit card account that was paid.

 

The statement cut Sunday at midnight.

Does this mean that Syncrony hasnt reported to the credit Bureaus yet ?

 

What do I ask them when I call so that they will update my credeit files immediately ?

Message 22 of 29
Anonymous
Not applicable

Re: Fraud Alert Ruining My Application Plans

I called Lowes credit center yesterday and they contacted a supervisor.
The supervisor put in a forced account update request to all 3 bureaus.
My reports still haven't updated.

What is going on ?
Message 23 of 29
ChargedUp
Senior Contributor

Re: Fraud Alert Ruining My Application Plans


@Anonymous wrote:
I called Lowes credit center yesterday and they contacted a supervisor.
The supervisor put in a forced account update request to all 3 bureaus.
My reports still haven't updated.

What is going on ?


Where are you looking to see up to the minute CR updates? Sometimes it may take 24 hours for the CRA to update their own info.
Message 24 of 29
JackBeNimble1
Contributor

Re: Fraud Alert Ruining My Application Plans

What number did you call? I need to do the same. Thanks in advance!

 

Amex Gold, Amex Bonvoy, Amex Hilton Honors Surpass, Amex Every Day, Amex Hilton Biz, Amex Delta Biz, Barclays Arrival+, Barclays Rewards, Capital One VentureOne, Capital One Quicksilver, Chase Freedom, Chase IHG Rewards, Chase United Explorer, Chase Sapphire
Message 25 of 29
Anonymous
Not applicable

Re: Fraud Alert Ruining My Application Plans

 

1 800 444 1408

 

Ask to speak with a representative. 

They asked the supervisor which took care of it for me.

My reports are updated now 😆

Message 26 of 29
Gmood1
Super Contributor

Re: Fraud Alert Ruining My Application Plans


@Anonymous wrote:

 

1 800 444 1408

 

Ask to speak with a representative. 

They asked the supervisor which took care of it for me.

My reports are updated now 😆


So whatcha waiting for?😁

Message 27 of 29
Cashbackjunky
Established Contributor

Re: Fraud Alert Ruining My Application Plans

@Bluefooted, you have more patience than me... I would have app'd immediately after they were updated.

Cheers!
AmEx Blue Cash Everyday-$20k | | AmEx Cash Magnet-$20k | | Apple Card-$31k | | BofA Customized Cash-$99.9k | | BofA Customized Cash-$45k | | BofA Unlimited Cash-$50k | | CapOne Quicksilver-$30k | | CapOne Savor-$25.75k | | Chase Amazon-$31.2k | | Chase Freedom-$6k | | Chase Freedom Flex-$28k | | Chase Freedom Unlimited-$20.8k | | Chase Freedom Unlimited-$22k | | Chase Sapphire Preferred-$54.5k | | Citi Custom Cash-$23.9k | | Citi Custom Cash-$17.4k | | Discover It Cash Back-$18k | | Discover It Cash Back-$29.3k | |Discover It Travel-$14.5k | | Elan Max Cash Preferred-$15k | | Fidelity Rewards Visa Signature-$25k | | PayPal Cashback Mastercard-$25k | | PenFed Platinum Rewards Visa Signature-$12.5k | | PenFed Power Cash-$12.5k | | Sam's Club Mastercard-$16k | | Synchrony Discount Tire Card-$10k | | Wells Fargo Autograph-$25k

FICO Score 8:
850 INQ:
1
850 INQ:
5
837 INQ:
7

TCL: $728.25k CCs:27 AAoA: 6yr 11mo Util: ~1% Derog: 0

Mortgage: $206.0k Car Loan 1: $17.0k Car Loan 2: $18.6k
Message 28 of 29
JackBeNimble1
Contributor

Re: Fraud Alert Ruining My Application Plans

Thank you @bluefooted!

Amex Gold, Amex Bonvoy, Amex Hilton Honors Surpass, Amex Every Day, Amex Hilton Biz, Amex Delta Biz, Barclays Arrival+, Barclays Rewards, Capital One VentureOne, Capital One Quicksilver, Chase Freedom, Chase IHG Rewards, Chase United Explorer, Chase Sapphire
Message 29 of 29
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