Need advice on app spree

[baller4life]

Citi is just so conservative. What card do you want with Citi? It may take TWO hps to get a decent limit unfortunately. You have CO with Discover?

[johnpalley]

i wanted the diamond prefered. heres the cards i have left to apply for so if you could please tell me what order you think i should go in

citi - diamond preferred  

bofa - bank americard visa

discover it

chase - slate

keep in mind my experian report can no longer be pulled. plus i should apply for all these online or no?

[johnpalley]

just to be more clear 

citi - diamond preferred - no previous charge offs 

bofa - bank americard visa - unpaid charge off but have been getting offers

discover it - unpaid charge off but have been getting offers

chase - slate - unpaid charge off but have been getting offers

fyi ive had a checking account with bofa for like 5 years and i do a huge amount of transactions with them a month. ive also had big amounts of money go through that account. im guessing it could be easier for them to have forgivin me seeing how ive treated my account. i also dont know if maybe i should apply a different way with them because i bank with them also. i have an online account you know

[johnpalley]

ok guys its on with the spree. i just got excepted for a discover card with a $7500 limit! can someone help me out with some info? should i contact them and tell them i need the limit raised for a big purchase? if so how should i go about doing this? do i wait till i recieve the card?

baller where you at my friend? i could really use your help right now. im also applying for the rest of the cards tonight.

[syeb]

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@johnpalley wrote:

ok guys its on with the spree. i just got excepted for a discover card with a $7500 limit! can someone help me out with some info? should i contact them and tell them i need the limit raised for a big purchase? if so how should i go about doing this? do i wait till i recieve the card?

baller where you at my friend? i could really use your help right now. im also applying for the rest of the cards tonight.

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So,  I'm curious how it went.  When's the next episode airing?

[Imperfectfuture]

He hasn't signed in since his last post on the 23rd,

[syeb]

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@Imperfectfuture wrote:
He hasn't signed in since his last post on the 23rd,

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Uh oh.  I hope they don't stop airing this show mid-season. 

[Anonymous]

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@johnpalley wrote:

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@gdale6 wrote:

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@johnpalley wrote:

Yeah none of that other stuff is gonna work in my case. That company ain't havin it. I tried to call them 5 times to get them to delete it after I paid it but they pretty much told me to me to blank off and it's against the law to delete it blah blah blah. If they were a collection agency or a credit card company it would be easier. The more I think about it the more I'm thinking I'll just wait till I get this deleted.

my main delema is even if I'm able to get the 3 cards, the Barclay ring doesn't start you off at 0 percent so I couldn't even carry a balance on that for the investment. Plus discover usually starts people off at a lower limit so that's kind of a crap shoot. who knows what could happen with usaa. It could be hit or miss plus maybe the'l pull 2 reports. If you told me I could get bofa, citi, and chase right now I would feel a lot more confident on getting this done with 3 cards. Unless I learn something new I think I'm gonna wait and just hope this co gets deleted very soon. I appreciate the info ghoshida

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Disputing it brought the status date current and it looks like a brand new CO in Ficos eyes hence the huge difference in score. Disputing a valid debt is not to be advocated on My Fico. The proper way to go after it would be to use GW letters direct to the office of the CEO.

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It's a brand new charge off from December. I paid it in full in January and disputed it immediately. I never brought something old current

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Hate to burst your bubble here, but there is a very good chance that "account" will not be removed durring this round of disputing it. Based on your comment when you called the place, they are going to respond within the 30 day period. They might not, but no one knows. If they do respond, it sounds like they responded the first time,it will remain on our report.

[Anonymous]

Sounds like this is a sequel or repeat of the same show 8 year's ago. I just read this entire post. Scary, extremely scary. I assume we'll be seeing the third chapter 8 year's from now. This has crash and burn written all over it.

[Anonymous]

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@Anonymous wrote:
Sounds like this is a sequel or repeat of the same show 8 year's ago. I just read this entire post. Scary, extremely scary. I assume we'll be seeing the third chapter 8 year's from now. This has crash and burn written all over it.

This is basically called Stoozing.  Can also be used in high interest savings account.