Here are the latest updates on the GW/PFD front:
- Cap 1 Kohls card: Closed by grantor in March 2014, with paid in full balance of $564. A bunch of 30-120 day lates in 2012 and 2013 when I got laid off and was just irresponsible (11 on EX, 13 on TU, 8 on EQ). I sent a GW email on Tuesday, got a call back from a woman in the EO last week, we've been playing phone tag since.
- USAA Amex: $1500 limit, high balance $1575 (fees). Closed by grantor May 2013 (opened January 2009), finally PIF in February 2015. Two 30 day lates show up on my reports in April 2013 and August 2013, though I think there were some 30 day lates before then. I sent a GW letter last week, got a call back from a woman in the EO last week, we've been playing phone tag since.
- Synchrony Amazon card: Closed by grantor in October 2014, with paid in full balance of $1444. A handful of 30-120 day lates in 2012 and 2013, same scenario as the Kohls card. 8 lates shown by EX, 10 by TU, and 7 by EQ. Dropped off a GW at the post office today.
- Synchrony CareCredit: Open, current credit limit $2700 (down from a $4800 charge and limit in December 2011). Current balance is $1240, I plan to PIF in June or July. Been current since December 2013, but there were a handful of 30-60 day lates in 2013 (3 on EX, 4 on TU, and 4 on EQ). Dropped off a GW at the post office today.
- USAA $25,000 personal loan: PIF and closed August 2014 (opened August 2009). Handful of 30-90 day lates in 2012 and 2013 (9 on all three bureaus between July 2012 and August 2013). Trying to decide if there's anything I can do with this one. If I ever get through to the USAA EO and have luck with the Amex GW request, I'll give this one a shot.
- Synchrony Paypal: Closed by grantor in September 2013 with PIF balance of $455. There was one 30 day late payment in March 2013 that shows up on EX and TU. I haven't gotten around to GWing this one yet, since it's only one 30 day late and is more than 2 years old. If I have any success with the other two Synchrony products, though, I'll go ahead and eventually fire off a GW for this one.
And the updates for my other accounts and general progress:
Cap One QS1: I've got two of these bad boys, both with a $1500 limit, due to my old Platinum Mastercard being upgraded to a QS1 in April. I sent an email to the EO several weeks ago asking that the CL on my original QS1 be raised. After some phone tag, I finally had a chat with a rep in the EO and he put in a manual CLI request. I requested a CL of $10k (I can dream, right?!) and said I'd be fine with a partial CLI. I've got income of approximately $133k, rent of $1250, and DTI of approximately 19%, so the numbers should back up whatever sort of CL Cap One comes back with. Just to see if possible, I asked him if it was possible to close my second QS1 and move that CL over to the original QS1, but he said it was not possible. Hadn't thought it was, but figured I'd give it a shot.
NFCU CLOC: I applied last month, was conditionally approved, asked to submit proof of income/employment, submitted proof, and then was denied the following week, in the process gathering *3* new hard inquiries from NFCU on my report! Sent a SM asking why I was denied given that I'd submitted the requested info several weeks ago, and was told I'd have to submit a new application and call them to appeal. Sigh. I don't trust them to not hit me up for another hard inquiry, so I think I'm just going to pass on NFCU's CLOC until after I purchase a car later this summer.
Cap One Spark Classic: I'm going to call the EO next week and see if I can get this upgraded. Gonna wait to see what the results of the QS1 CLI increase are before I call again.
