@mongstradamus wrote:
@Ghoshida wrote:
@Anonymous wrote:
@Ghoshida wrote:What I got today:
1) Pre-app from Discover personal loans. I guess they SPed me recently. That's when I had 7k+ in CC debt. No use now, and otherwise as well, not of great use. Most of the debt were in 0% APR CCs. Anyway.
2) Doc requirements from Chase. For Interest withholding and **bleep**. Will go to bank tomorrow / Saturday and figure things out.
3) A paper copy of the same email that AMEX sent me over the weekend about the CLI. Wish it was a new CLI.
4) Secure message from Chase confirming that my CCs have been consolidated. No more Slate. Freedom is 2k.
I'm sensing that opting in for prescreening has started a floodgate. No problem. CRs are frozen
I opted out, so i don't have to deal with those pesky spam mails. soon don't have to deal with them.... mwahahahahaha
Well I have opted out and back in twice now. Never been able to be out for more than 5 months.
The problem with being opted out is that pre-app sites don't make any sense. I know, I'm gardening, and not apping for another 5-6 months at least. Still, I'd like to feel like corporations approve of me
i am opted in just in case that some of these companies decide to offer me an nice card with an 50k+ signup bonus:-) I can hold off apping for the bad cards and bad offers :-)
I know for a fact that with my credit score, no one will offer me 50k signing up bonus 
only offers I get would be from credit one, first premier bank and so on... so yeah... I don't need any spam mails until my credit is around mid 700 
Credit wise nothing in the mail today. Did receive my staples $100 gift card i purchased from Amex's 15 off 100 purchase from Staples. Trying to figure out how I'm going to use/liquidate it.
@-Kenny- wrote:
Credit wise nothing in the mail today. Did receive my staples $100 gift card i purchased from Amex's 15 off 100 purchase from Staples. Trying to figure out how I'm going to use/liquidate it.
Got my replacement freedom today :-(
Bills 
In my e-mail just received a TU score update!! AHHHH!!! Bumped past 800 for the first time!! So surprised and happy!
the TU score update came from the service here or discover, wally, barclays? I think the TU monitoring service here is an bit behind. My score changed has multiple times this month and myfico monitoring hasn't shown one score change even tho my walmart and discover shows my score has changed at least twice.
@mongstradamus wrote:the TU score update came from the service here or discover, wally, barclays? I think the TU monitoring service here is an bit behind. My score changed has multiple times this month and myfico monitoring hasn't shown one score change even tho my walmart and discover shows my score has changed at least twice.
From myFico. and I've gotten score updates on every bureau from myFico. You probably haven't had much profile changes where I'd had new TLs hit and inquiries.
@-Kenny- wrote:
@mongstradamus wrote:the TU score update came from the service here or discover, wally, barclays? I think the TU monitoring service here is an bit behind. My score changed has multiple times this month and myfico monitoring hasn't shown one score change even tho my walmart and discover shows my score has changed at least twice.
From myFico. and I've gotten score updates on every bureau from myFico. You probably haven't had much profile changes where I'd had new TLs hit and inquiries.
well the thing is my ex and eq got score changes from major balance changes that have been reported but TU hasn't . The funny thing is CK monitoring also doesn't show balance changes, so i think maybe something is up with the TU monitoring. The balance changes have been quite drastic since i went on trip to thailand. Like my freedom went from 6-40% util. Both eq and ex picked up those changes and my scores took an dip because of it.
Congrats, that is awesome!
New goal 675
Utility bill. Still waiting on my Macy's store card. Funny how I received the first statement and my QS1 card prior to.
Edited to add note: If I don't receive it in the mail on tomorrow, I'll contact customer service.