Equifax Disputing

Apr 082010
 

I have a question.  I faxed as well as mailed in disputes to my report.  I never do it online.  However, I just got an email to check my disputes online.  I was just getting ready to sign up for it but the button says to “Opt In”.  If I do this am I opening myself up to opt in – when I opted out last year.

 

Hope that makes sense.  Otherwise if it opens me up, I will wait for the mail return of my disputes.

Should I hit the NFCU CC Apply Button?

Mar 082010
 

I’ve been a member since January-10 and initially wanted to wait until the end of the year to apply for a cc and navcheck loc.  I have paid down a nice chunck of my cc debt but still have around 45% util on my revolving debt.  I currently have 12 accounts with 6 reporting zero balances and all 12 are being paid as agreed, no lates.  I have 4 inquires in the last 12mos and none after may.  I have (1) CO and (1) 120 days, both date back to 2003 and will be deleted in December. 

 

I redecorated two rooms in my house last year and racked up several thousand dollars in debt under a promotional zero payments and zero finance plan from three different stores but now it’s time to pay the piper and I didn’t pay the balances as planned and all the interest will have acrued since the purchases, these are store cards so the interest rates are ridiculous!  My purpose for wanting to apply now for nfcu cc and/or navcheck loc is to move the debt to one card/loc with a much lower APR.  My EQ score is currently 647 but I am terrified to apply because the creditor I have the two delinquencys with is "Alliant CU", I know I screwed up big time but I was in my mid 20′s and lost my job when I let those accounts go bad.  I’m afraid that nfcu will see that I had a bad credit relationship with another cu and deny me.  However, I really do need to move this debt to a lower APR so, do you think I have a chance of an approval? 

Tried the BofA CLI button…

Feb 222010
 

So I got the message that I needed to call them to continue and decided not to. Well, they called me a week later on my cell phone. My credit lines were reduced from about 50k total to 20k, with a balance of 20k a few months ago and that killed my Fico score. So I explained to the anaylyst why I wanted the credit line increase, and I was very worried that BofA was trying to close out my accounts (they closed my small buisness card 2 weeks prior for non-usuage). After 1000 questions, and 30 minutes later, she informed me that she couldn’t extened me additional credit but that she assured me BofA was not looking to close my credit accounts and they considered me a good customer. She also told me to call back in a few months so the one 30 day late I have (2+ years old!) became a little older.

 

I;m planning on paying off my cards completly this week (just got approved for a consolidatoin loan with CU), I hope they dont close my cards :-(

Any recent successes with Costco Amex or Discover More CLIs?

Jan 242010
 

My Costco Amex and my Discover More are both stuck at a $2,000 limit like glue. I read of automatic CLIs for others, but this never happened with my cards. I’m pondering whether I should just try my luck and press the button on the Amex site and hope for no hard inquiry. I heard the Discover process goes via telephone (hard or soft, I don’t know). I’ll have to wait a bit in any case, as I somehow managed to let all my cards report balances this month, but I can rectify that for next month.

 

Anyway, how is the climate at the moment? Do these CLI requests go through, or do you still risk getting your card closed when you press that button?