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  • Biography
    I have truly enjoyed being here. I have learned so much-the worth of it has no price. Just remember-
  • Interests
    The whole point is to become smart, informed consumers-not thieves.
  • Occupation
    All my love-always...PM me.

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elyse449's Achievements

500 posts and hasn't been banned yet....

500 posts and hasn't been banned yet.... (6/6)



  1. 1000.00 credit limit. I am really happy with the card so far. Elyse
  2. Hi Folks, Just had to let ya know, I got approved for Hooters for 1,000 cl and I just went to sign up with a local credit union and got approved for a 500.00 line of credit! Gosh, I just couldn't be happier!!!!Thanks to this place and A LOT of research and time, things credit wise are really starting to come together. I hope everyone is doing good. I've been so busy w/ 2nd shift work, signing up for spring quarter "online" college via the local community college and planning a move, sorry I haven't been around a lot. But I had to let you folks know about the great news!! Elyse
  3. ....but than again, it hasn't been no 2-3 wks! LOL! Oh well....pins and needles man and I don't mean the GOOD kind like acupuncture! LOL. Elyse
  4. I only applied in the hopes that I would be approved and would thus have the excuse to use THIS emoticon... LOL... Elyse
  5. Ok, I did it-I applied by phone. I was told that it would take 2-3 wks for processing. So, here's hoping!!! Elyse
  6. The minimize button (the one to the right of it actually) is light, won't click/enlarge AND it will only let me pull up the page so far. It sucks. Elyse
  7. ...but the stupid application won't enlarge for me and I can only pull it up so far (can only see my name, ssn info) anyway...thoughts? Maybe call to apply? Elyse
  8. Ok, so I checked my credit files via Truecredit. It is still listing my BK from Oct 2000 (dismissed) on my Equifax report. The other two files have removed that information. Also, the FAKOs on that site read as follows; TU 630, EX 632, Eq 609 Thoughts? I'm sorta chickening out anyway---I am thinking I should dispute the BK along with wait for my other cc accts to age a bit. I think my oldest is maybe just over a year old. Not sure. Maybe I'll wait until this summer. Dunno. Sure would LOVE to get rid of that First Premier one though. It's PIF. Elyse
  9. See, the whole idea is to open one w/ them and CLOSE my stupid First Premier. I know, I know...it was stupid of me to open it in the first place-lesson learned. PIF for them just doesn't matter. They just suck in general. Anyway, not sure my FICO's support the Unionplus just yet--they're in the 620 range last I checked, but I'm going to check again before I bother applying along with researching what credit file they'll pull, the liklihood of getting approved, etc. I had a FA on, but those are gone now. Thanks again, folks. Elyse P.S. Nice to see some familar faces! Been at work--good ole 2nd shift (3pm-11:30pm) along with other stuff going on. I've missed you folks.
  10. Hi Folks, I have an Orchard card and this last summer went rounds when I attempted to apply for their regular, unsecured card. I had received an offer in the mail as I recall, so I went ahead and applied (I was applying for a regular HSBC I believe, gosh-can't remember!) anyway...I was initially denied due to "having the maximum card limit" with their company. That's right, I had one SECURED card. What was suggested by the folks at Orchard/HSBC was to pay up and close my secured and that they'd open me the unsecured. I ended up doing that. At any rate, I am wondering if anyone has the Orchard and the Unionplus card? I am afraid to apply given that it's an HSBC card to. Thoughts? Elyse
  11. I realize it's one day early, hopefully that won't be a problem...but I have been working my buns off...too bad not literally....and am not sure when I'll make it back 'round to wish you all a wonderful Thanksgiving celebration! In fact, I work the usual shift today. Our plans are same as usual--family time. My dh makes our turkey, cooks it overnight and I'm already smelling it! In fact, I got up this morning and thought he already had it in the oven!!!! Work has been going fine, but I've had to work some weekends and have had so much going on. I've missed you all and hope/pray you're each doing well! ((HUGS)) Happy Thanksgiving, folks! Elyse
  12. Just remember-it doesn't matter that you've been a good consumer in the past, they just wait for folks to make ONE false move and than they go for the throat. I'd do ahead and tranfer balances. I'm sorry, I understand that if one goes over their balance that the company has the right to exercise their option to up your interest rate, however-it doesn't mean they HAVE to, especially when that person has otherwise always been an exemplary consumer. There is NO loyalty anymore. There are fifteen different ways to punish someone. I'd just transfer the balance and chalk up to learning something valuable....nobody cares about my butt until I mess up...by 13.00. Elyse
  13. Hi stress, Ok-I will file the complaints as you mentioned. Would I just say that they are attempting to collect w/ out a license? Is this what I'd say in BOTH complaints to BOTH agencies? Sorry for the questions, but I want to deal with these AH's NOW...things are FINALLY going better financially and I don't want it mucked up. Also, would I do this PRIOR or AFTER sending THEM a letter about the letter they sent us? Would I even bother sending a response? Elyse
  14. Unfortunately, as I recall they DID send us notice of sale. What ticked me off though, was the sale was in EASTERN Washington so we had no way of having our things in the vehicle returned to us and again, they refused to give us a condition of sale. We wanted to know if the vehicle had been damaged after the repo since it sold for such a low amount. I will go look up the posts mentioned. Thanks again. Would it be do-able to just write up a simple, "You're beyond the 4 yr UCC code SOL..." letter? Elyse
  15. We live in Wa and they're attempting to collect from my dh, also. They're trying to collect on a 4 yr old Repo. Last date of payment/activity is April of 2003, official repo occurred on July 3rd 2003. Elyse
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