Recently, I took myself off the mailer pre-screen opt-out, in part so I could assess how my rebuild is going from the outside, non-immediate score-related arenas. From this view... not too good!!
I found a few threads here on MyFico on this bank, but replies had all closed. I would have added this there-- feel free to do so and move it, Mods, if you would rather have a running tally as opposed to a bunch of disperate threads.
(All: search "Fortiva" and all you need to know will pop for you.)
Here are my DPs for your viewing pleasure and future reference:
Rebuild started 2/2019. Vantage Score 3 ('cause that's what I was using) about 550 (low of 542 in May after a few apps.)
recently hit 702 on same: CK Vantage 3.
No lates since 11/17 I think, but someone's challenging this notion. Let's move along...
UTIL at 40%; was as high as 90+% a year ago. Yes, some personal loans are now involved. Should be hitting 30% in 3-6 months.
9-10 inqs in 2019-- over basically all 3 bureaus. A bunch of approvals (Fingerhut, Cap 1, an auto refi, 2 personal loans.) A couple HP Denials (NFCU CLI early 2019; Mortgage.) Either way, I'm improving.
Here's my Fortiva (ahem) "offer":
$700 SCL
36% APR
AF: $175 first Year; $49 thereafter.
Account MAINTANANCE FEE $150/yr-- billed $12.50/mo.
Late/OTL Fee $40.00
Balance Transfer fee at 3%; same 36% noted; no offer period.
Issued by Bank of Missouri, St. Robert, MO.
I think St. Robert's probably the greediest saint I've ever heard of. :-)
I'm in Mass, and I'm seriously wondering if this is even legal here.
Slainte.
@Anonymous wrote:You can call them requesting a lower CL, higher APR, and a higher AF. Wonder how they'd respond.
@Anonymous wrote:I hope you didn't accept that "offer"
Oh, Angelwingz... it was as tempting as a whole pint of Ben & Jerry's!!!**
** I am SEVERELY lactose intolerant.
:-)
Lol!!! Yes, please take more for less!! PT Barnum's got nothing on these guys.
Honestly, I read that you could ask for better terms in one or more of those other threads here, CardNut! I was intrigued by the notion of talking them down to 17%, no fees, a $6000 SL and a 21 month 0% BT offer....
.... but naw. Not worth the effort. St. Robert would probably preach some semblance of superiority anyway!!
@Anonymous wrote:You can call them requesting a lower CL, higher APR, and a higher AF. Wonder how they'd respond.
@Pit-Smoker wrote:Recently, I took myself off the mailer pre-screen opt-out, in part so I could assess how my rebuild is going from the outside, non-immediate score-related arenas. From this view... not too good!!
I found a few threads here on MyFico on this bank, but replies had all closed. I would have added this there-- feel free to do so and move it, Mods, if you would rather have a running tally as opposed to a bunch of disperate threads.
(All: search "Fortiva" and all you need to know will pop for you.)
Here are my DPs for your viewing pleasure and future reference:
Rebuild started 2/2019. Vantage Score 3 ('cause that's what I was using) about 550 (low of 542 in May after a few apps.)
recently hit 702 on same: CK Vantage 3.
No lates since 11/17 I think, but someone's challenging this notion. Let's move along...
UTIL at 40%; was as high as 90+% a year ago. Yes, some personal loans are now involved. Should be hitting 30% in 3-6 months.
9-10 inqs in 2019-- over basically all 3 bureaus. A bunch of approvals (Fingerhut, Cap 1, an auto refi, 2 personal loans.) A couple HP Denials (NFCU CLI early 2019; Mortgage.) Either way, I'm improving.
Here's my Fortiva (ahem) "offer":
$700 SCL
36% APR
AF: $175 first Year; $49 thereafter.
Account MAINTANANCE FEE $150/yr-- billed $12.50/mo.
Late/OTL Fee $40.00
Balance Transfer fee at 3%; same 36% noted; no offer period.
Issued by Bank of Missouri, St. Robert, MO.
I think St. Robert's probably the greediest saint I've ever heard of. :-)
I'm in Mass, and I'm seriously wondering if this is even legal here.
Slainte.
They usually offer me a $1K SL. And I thought First Premier was bad.
I noticed Fortiva soft pulled my Equifax report recently. Hopefully, they don't waste their time sending me these offers. You know it's bad when they make First Premier look like a discount bank....
