@Vinjints wrote: Sounds like a very nice and useful offer.  How often do they put those (of any type) out? My own experience has been that they would extend an offer of some type maybe once every 6 months.  This is the 3rd offer I've received this year though, 1st time I've received them in consecutive 2-month windows.  ... View more

@scratchpad wrote: I am currently working on a rebuild.   I have 3 credit cards reporting in good standing. Not planning on getting anymore, just asking for CLI every 6 months or so.   I've never had a mortgage, personal, or auto loan.   Only loan I ever had was a federal (I think) student loan. It is fully paid off. Here is how it reports:   LAST PAYMENT: July 2017   STATUS UPDATED: August 2017   It is paid off and closed in good standing.   Will it drop off my report in 2027?   Will getting a secured personal loan and doing the trick where I pay it nearly completely off help me? As for your student loan question - maybe.   The 10 year retention of a closed account is a common best practice and not a legal mandate so its removal wouldn't be a high priority effort by the CRAs.      Since you don't currently have an open installment loan you'd likely get a score boost with an SSL of up to 20-25 points although that isn't a guarantee either.    If you decide to go that route be sure to get a SSL that doesn't modify the due date of later payments when you prepay the earlier ones;  NFCU and PenFed are both popular choices here in part because prepayents don't impact these later due dates.  ... View more

@TrapLine wrote: @Varsity_Lu wrote: Congrats @coldfusion    If it means anything, your situation makes my wife feel better about her recent MCP $500 SL. I mean if they only give Cold Fusion a $500 limit... What is the deal? Is there a recon anywhere? Unreal  It's possible to recon with US Bank if you're willing to risk another HP.  ... View more

@Varsity_Lu wrote: Congrats @coldfusion    If it means anything, your situation makes my wife feel better about her recent MCP $500 SL. I mean if they only give Cold Fusion a $500 limit... Good - she's in a LOT of good company,  $500 Max Cash and Cash+ Visa Signature approvals are almost a meme here as there have been so many of them reported over the years.    One thing she should understand is that even the $500 limit cards can be grown handsomely over time, USBank doesn't treat them like Capital One does.    My card has not reported yet (assuming it will in the next couple of days),  so no update yet on the impact on my FICO scores.  ... View more

These are usually targeted, holders of different cards can also get them.   I have the same offer on my Flagship.    No net minimum spend requirement for each transaction to count, just must be net positive.     Offer must be activated,  some specific eligible MCC are 4812, 2814, 4899, 4900, 6300, and 6381.   ... View more

@CreditCuriosity wrote: Wouldn't inquiry alone take a few points if one was at 850 not matter how strong assuming inquiry came fro CRA score compared against. Didn't for me with my Max Cash approval last month w/EX pull, EX FICO 8/9/10 each still at 850, EX FICO 8 Bankcard still at 900. Have been waiting for the new account to report which I'm assuming will be middle of next week; TU FICO 8 Bankcard is at 899 so will confirm as well.  ... View more

@rhopkins1999 wrote:      I think it is possible to get in with Chase while you have a BK just have a clean report since discharge!  It does occasionally happen on a case-by-case basis so there's hope.  Keep your fingers crossed!     ... View more

@CYBERSAM wrote: @jdmull  Be sure to call the CS and request CLI given you have  home renovations! HD is known for lower SL but then high CL after calling CS. Ask for 15K+ 😉 Be warned though,  CLI requests on the HD card trigger hard pulls.  ... View more

@northway wrote: Really kind of shocks me that they wouldn't even offer 2% as standard as many other CUs can.  They have one (Platinum Visa w/Rewards) but they closed it to new applications a few years ago.  They tried to nerf it several months after Dennis Devine was brought on as CEO (he left last year, they just onboarded a new CEO about 3 months ago) but rescinded the nerf due to all the blowback.  ... View more

  https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/m-p/6709754/highlight/true#M329389   https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-3/m-p/6834108     ... View more

Check if there's something wonky with your LexisNexis, EWS, and ChexSystems consumer reports.   There may be something there you weren't aware of that bled over onto data provided to/by one of the other Equifax services.    https://consumer.risk.lexisnexis.com/request https://www.earlywarning.com/faqs-requesting-your-file-disclosure https://www.chexsystems.com/request-reports/consumer-disclosure     ... View more

@Cowboys4Life wrote:  a chili dog for breakfast (don't judge)  I'm not judging - back when I was a regular visitor to Taiwan while I never requested it several times I was served a side salad with Thousand Island dressing as part of my breakfast.       ... View more

@cashorcharge wrote: @creditrizz wrote: Good CLI, congrats.   Was wondering if the cashback from the BofA biz cards can be redeemed into a personal checking account (inside or outside of BofA), or if you can only redeem into your BofA business account? I believe it can be redeemed back to your account or to a BofA checking account.  I don't believe it can be redeemed outside unless you chose to receive a refund check.  I always apply my rewards right back to my account to keep things easy and quickly usable Personal experience is that you can redeem into a personal BoA checking account,  minimum redemption is $0.01.  ... View more

You will probably have to call or send a letter to Experian with your complaint as the process for filing an online dispute is usually gated on there being physically something on your report to dispute - but your issue is that something is missing from your report.   Be sure to mention that a) you have already spoken to Bread Financial and they confirmed that they are reporting to all 3 bureaus, and b) your information is being correctly reported by Transunion and Equifax.    It can take up to 30 days for them to mail you response after you call or they receive a letter.    If you don't get a satisfactory outcome try filing an online complaint with the CFPB against Experian, include the same info in your complaint that I outlined above.   Unknown what that outcome would yield given the current status of the CFPB but it's still worth a try.  ... View more

@fullstackdev wrote: Congrats on the CLI! I don't even see a link to request a CLI in my online banking. The appearance of a 'request a credit limit increase' link just means that their automated process determined you're eligible to request a CLI.  Having the link appear doesn't equate to an approval and multiple data points over the last several years have confirmed that even without a link you can call customer service and successfully request a CLI over the phone.      ... View more

@LivingTheAmericanDream wrote: Haven't really given much thought to how CC companies compete w/other CC's companies with regard to SL/CL, but this one gives me pause...I have some at $10,000 (Fidelity, USAA, Wings), NFCU is at $18,500 and $24, 800, so not really competing w/them, but Citi at $10,400 and $8,290...$11,000 is my 3rd highest CL. An $11K SL from BoA isn't bad, they're more known for ability to grow existing cards via  SP (mostly from Transunion) CLIs than they are for big staring limits and you don't see too many SLs from them above $17K.   They do have a soft cap on TCL of $99.9K which they can waive for high-value clients.    Congrats on the approval! ... View more

American Express, Chase, Capital One, and BarclayUS have already been (correctly) mentioned above,  Bank of America also allows it.  Note that if the CL transfer is being done as a prelude to closing out the donor card expect that each of them will likely require you to leave a stub limit behind on that donor card, usually either $500 or $1000.    NFCU does consider allowing it on a case-by-case basis and sometimes will do so if it's needed to facilitate an inbound balance transfer.  ... View more

    @PittGuy1979 is that a referral link?   It looks a lot like one and those aren't allowed on the site.      Here's an alternate  link for applications and preapprovals that wouldn't risk TOS issues:   https://www.onepay.com/credit-card              ... View more

@nccarguy1 wrote:   July 22 receive call (11 minutes) asking ties to terrorist groups, whether I was a politician or head of state. They got themselves in quite a bit of hot water with both the SEC and Treasury around 10 years ago for their prolonged indifference  to being suceptible to being used as a conduit for overseas money-laundering activities.  They've tightened up their processes quite a bit since then and you're not the first person I've read about that was subjected to their going overboard with their background checking.    At least you ended up with a positive outcome, and I congratulate you for the success and for the patience to not just tell UBS to go buzz off.  ... View more

BoA's fraud unit has a reputation (earned) of sometimes being pokey, so I suggest you plan your action items (like for example call back in a week to ask if they need anything from you if you've heard nothing) and your contingencies accordingly.  ... View more

@911gt34life wrote: After speaking to Target customer service credit increase are automatic you cannot request it...    I'm sitting at 700 still...    I know some of you guys have the MasterCard version I still have the store card Correct.  Can't request a CLI,  TD Bank decides on their own if and when you'll get one.    The historical recommendation to inprove odds of an autocli on the store card has been to:   a) put spend on the card every month, let the balance report, and always PIF the resulting statement balance.  b) every month log in onlne and update your income, even if it hasn't changed.   ... View more

Don't argue with success lol   Congrats! ... View more

@user979797 wrote: Hey @coldfusion , today the blue link showed up even though I haven't even gotten my card yet. It wasn't there before but is now. Does that mean I may be eligible already? The robolady thinks you're eligible to try!      Link doesn't immediately disappear if you were to try,  it appears/disappears during the bank's batch processing window that runs in the early morning EST/EDT IIRC 6 days a week.  ... View more

@user979797 wrote: I recently closed my PenFed Gold and my Ally credit cards and decided to get a new one to replace them. I decided on the BOA CC card to take advantage of the 6 % for the first year and the 200SUB.    I was instantly approved for 5,500 😊 and I am hoping I can request a increase at the 6 month mark since I plan on heavy usage. Hopefully they do soft pull increases. I have no relationship with them prior to this card. They pulled EX and my score is 721.    Woo Hoo ⭐⭐⭐ Congrats on the approval!   If when logged in online you see a light blue "request a limit increase" hyperlink it means that the autobot determined you're eligible to request a CLI regardless of how long you've held the card.   If after 6 months you don't see a link there are multiple data points confirming that you can still call in to request one and get approved.    Be sure to ask for what you want as they do counteroffer, there will be a soft pull from Transunion unless you took a hard pull (usually from Experian) for a different application within the previous 30 days, in which case they typically  just reuse the info from that HP.  ... View more

@Patient957 wrote: Never mind, I found an old thread on the topic.   https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-does-experian-keep-inquiries-on-credit-report-for-25-months/td-p/6553465   Apparently they get removed from EX the first Saturday of the month following the 2 year mark.  Weird, but okay, fine, whatever. Emperically they do the once-per-month bulk deletion on the 1st Saturday of each month unless that day is either the 1st or 2nd day of the month, on those months the purge is performed on the 2nd Saturday.  ... View more

  And now reports are trickling out that it was after Dak Prescott had spit in the direction of the Eagles huddle while the trainers worked on the injured player.   Still a bush league move.   ... View more

@AndySoCal wrote: Andrews FCU if you are logging from a where biometrics is not possible I.E. a laptop or not setup. Does Andrews by default use 2FA? After you receive the code do you have the option to remember this device? There are options to enable/disable certain notification types.  I haven't seen an option to disable MFA.       Can't speak to impact of device registration, it's something I don't do.  ... View more

There's a good chance there are discrepancies in your consumer dislosure report,  this sometimes happens when a lazy data miner maps someone's information into someone else's profile that has the same legal name or commonly uses the same alias.    You should go to https://consumer.risk.lexisnexis.com/request and request an online copy of your consumer report and check it carefully for incorrect information. US Bank uses this data to confirm you are who you say you are (they also use it when applying for credit) and your outcome is consistent with their seeing mismatches in your application and your consumer report.    If there are errors you can dispute them off.    While you're at it you might as well go to https://www.annualcreditreport.com/index.action and get fresh copies of your current credit reports to confirm their information is accurate as well.  Much like with LexisNexis if there are errors they can be disputed off.  ... View more

@TrapLine wrote: @CreditCuriosity wrote: Never knew they had this and already have the cash rewards cards so no need for it but maybe good information for others.  Looks like only good for cash rewards or platinum cards not the other few. Wonder how BMO Diners and Carte Blance Card holders are doing? BMO just does not get it! I think they're still suffering from a hangover due to assimiliating Bank of the WhatTheF.  ... View more

@CreditCuriosity wrote: Might be worth a recon call to get it up although likely to cost a HP although you likely know this ;although as you said can cycle it.  Suprised they did this to you with the scores and existing relationship with them.  5% is still 5% so its a win overal.   I'm just going to let it ride as the card's usable to me as-is.   I'll likely just try for a SP CLI at some point just to gather a bit of breathing room.  ... View more