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Everything posted by itrev82

  1. Looks like there will be no more upgrades to Visa cards... http://www.businessweek.com/news/2010-04-20/target-deals-blow-to-visa-with-switch-to-in-store-credit-cards.html April 20 (Bloomberg) -- Target Corp., the second-largest U.S. discount chain, will stop issuing Visa Inc. credit cards to new applicants and spur use of its own plastic. “Guests tend to spend more at Target when issued a Target Credit Card instead of a Target Visa,” the Minneapolis-based company said today in a statement.
  2. Yikes-- that new box looks scary!! I haven't seen it on my statements yet, but I am paying all my cards off this month so hopefully I wont have to see the scary box.
  3. Dang that sucks with your Chase card -- Juniper did the same thing to me with my rate.. was at 8.9% and now its up to 14.9% with some crazy cash advance rate.
  4. So I just paid off my Juniper card and thought, "What the heck, lets see if they will raise the limit..." Here is the reply I got to the email request: "We have reviewed your account and an increase is not available at this time. You will receive a letter in 7 to 10 days explaining why we are unable to honor your request. Should you wish to be reconsidered and are able to provide proof of income exceeding $200,000.00, please fax the documentation to ..." So essentially to increase my $2,750 credit card, I need an income over $200k a year. Seems that I would of been issued a higher limit to begin with if I made $200k a year - (and I probably wouldn't be dealing with Juniper...) Made me laugh -- they are sock drawer'd from now on.
  5. Me too -- looks like a few people are getting the $500 to $1000 bump.
  6. I used Microsoft Money since 1995 to manage my finances. Up until this year, that is the main program I used. Quicken was always too bloated and too much, MS Money gave me everything I needed. Unfortunately, MS Money has been discontinued by Microsoft and will not be updated any further. The online access is slated to be discontinued as well within I think 2 years. I use a Mac and still am trying to find a program that works for me. The new Quicken that comes out in 2010 does not appear to be that great of a program. BUT -- the one I am using and liking now is Moneydance. It is a cross platform program that reminds me a lot of MS Money. I just switched everything over to it and going to start using it entirely. Hopefully they will be releasing a 2010 version soon along with an iPhone version. Worth looking into.
  7. So my Revolution Card was closed this week. Got an email that said: As part of the process of adding an additional banking partner to our network, we will be discontinuing certain RevolutionCard credit card programs. Because of this, effective 9/4/2009, your RevolutionCard account has been closed to further use. We will be following up with a letter in the mail regarding this action but wanted to let you know immediately. We apologize for the inconvenience and hope you will reapply for a new RevolutionCard as we roll out exciting new promotions this fall. Sincerely, The Revolution Money Team Needless to say.. I will NOT be reapplying for one in the fall.
  8. Hooter's has been really good about auto CLI's on my card. I originally got the card at $1000, and this month it just increased to $2800. Usually it was around $300-400 increase every few months, but it now is one of my largest cards. I hate the interest rate on it, but its nice to have for things that I pay off monthly.
  9. It isn't a collection ... The account is being reported as "Discharged in BK" but it WASNT discharged. It is a student loan, so it can't be discharged. I have sent multiple statements to the credit bureau's and ACS showing that it is current, but whenever it is updated, the BK status keeps coming back.
  10. Yeah I have thought about that -- (would probably get enough to pay the loan off!). I just am really confused on how to go about suing them -- the company (ACS) is based on NY State, but I know their company has another office here (but doesnt do student loan servicing) -- so do I do small claims here in AZ or do I have to file in NY? I posted this question before and was told to find an authorized agent to serve, but I am not sure I was looking for the right thing. I really don't want to *pay* to hire an attorney -- at this point, I have already submitted the loan consolidation paperwork (which is lowering my interest 1.5%) so if I can get it just say PAID on the credit report, I will be happy.
  11. I got the Inq removed from EQ easily -- where did you see that they don't report?
  12. I applied, got approved -- high interest rate, $2k credit line. Figured it won't hurt utilization and good to use once in a while.
  13. And here we go again .. Experian now is reporting discharged in BK ... Equifax is "reinvestigating" based on the letter I sent them (which was a letter from ACS saying no BK). I think I am going to just consolidate it to a new loan to get rid of dealing with ACS (and hopefully lower interest rate) .. once it moves, any ideas on how to get it to report correctly once and for all??
  14. Thats the thing -- ACS says they are NOT reporting BK.. so they are as puzzled as why it keeps showing up as I am. Somewhere, the info is all messed up -- its a total pain! Already started another round of disputes ... round and round I go. .
  15. And now today -- Transunion has changed it to "Discharged in BK" ARGH
  16. So, for about a year and a half, I have been fighting with my student loan provider (ACS) and Experian to report my account correctly. They have been reporting it as "discharged in bankruptcy" but, I have been paying the account as agreed - never late, etc. I have sent multiple requests CMRRR to Experian & ACS but never got anywhere. Finally, I got to the point where I was going to sue and take to small claims court. I called Experian and spoke to some nasty guy who said they have disputed it 4-5x but ACS keeps confirming it is correct. ACS send me a letter in February saying all derogatory information has been removed, but Experian doesn't update. I called ACS again and told them the situation and they told me to call Experian and request to have the security freeze to be removed so the update could process (didn't really make sense)... so I called Experian back and got some nice girl -- explained the situation and told her I sent the ACS letter to them in February. She looked in the database and found it and said "I don't know why we didn't update it before -- this letter is enough to clear the derogatory status." So, finally, after a year and a half - Experian is correct. Switch over to Equifax -- same ACS account was showing as "discharged in Bankruptcy." Back in April 2009, I disputed it and on 4/22/09 received a notice showing that it has been corrected to show "Paid as Agreed/Current." Now, this week -- it has changed back to "discharged in Bankruptcy." Called Equifax and talked to a lady that was impossible to communicate with. I kept telling her that it was disputed less than 30 days ago, and the information was confirmed inaccurate and updated on 4/22/09. I finally had to ask for a supervisor .. after being on hold for 4 minutes -- she came back on and said "I will take good care of this for you." Told me to check my email for a confirmation .. logging into Equifax it looks like she just started another dispute.... Seriously -- I am tired of the credit bureau's! It sucks that individuals are graded so much on credit score, but its a nightmare to try and fix something when its wrong. I have had a lot of things fixed easily, but this one account has been HORRIBLE!!! I am hoping that Equifax fixes itself pretty quickly ... but if Experian changes back to negative -- I think I will go crazy!! Anyways, just had to vent over this..
  17. Im almost to 2 yrs on my card and its stuck at the $500 point. I wrote a letter and got a "reply for the Visa card" if you want. I did, and ended up with another $200 Target card. Called in and closed the $200 one, but nothing since with my other card.
  18. Orchard upped me $1100 recently, and I requested a CLI on my BestBuy MC and got another $750 today.
  19. Orchard just gave me a $1000 boost automatically. It was pretty random, but I do have to say my jaw dropped when I saw it.
  20. GOOD QUESTION! I should of thought of that when I had them on the phone.
  21. Ya know, I have had some bad luck with AZ FCU as well. I signed up with them when I moved to AZ in Jan 08 and they wouldn't give me a low limit card/overdraft (not even $200) just so I could start building credit. They said I needed to wait 6 months to see how I managed my checking. (Meanwhile, I already had most of the cards below). I went back in the summer and they still said no, that I needed to have more debt experience with them -- which makes no sense if they wont give me any credit. So, I took out a CD loan to build credit history with them and paid it off in 3 months. Since then, I haven't wanted to risk another inquiry with them -- but I did check with them for a mortgage. They told me no off the bat without looking at anything -- Countrywide approved me the next day no problem. So, long story short, I have moved most my banking elsewhere. The only things at AZFCU now are for things that are already set for auto-debit until I decide to move those as well.
  22. Juniper dropped me $800 this week -- I sent a request to ask why and they said they were "adjusting limits to better match people's usage." I should get a letter in the mail too.. but that hasn't come at all.
  23. I cancelled mine as well -- they gave me the "you don't need to update daily, only once a month" story. I told them I didn't care -- I signed up for daily access pulls, and they changed the offer. I had to raise my voice, but got them to cancel it.
  24. Thanks for the input -- I will look into this over the next couple days while on vacation. How complicated is it to file a small claims case? Would I need an attorney?
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