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Everything posted by tdhssbn

  1. Juniper is famous for rate jacking. I went over my limit by $3 and some change because of finance charges and had the same thing happen. I just did a balance transfer to a different card(NFCU) and now I don't bother using it except for gas buys just to keep it active.
  2. Paid NCO in full on August 14th for CAP 1 CO. Got letter from NCO saying paid in full. CAP 1 still reports a $10 delinquent balance on all 3 CRA. CAP 1 continues to verify with all 3 CRA even though I have letter from NCO stating PIF. What are my alternatives?
  3. SUPERBNESS, you did not even read the article you linked. It is still the FICO just repackaged under a new name.
  4. You don't hold the cards. If you made the charges and they decide to sue you, you will end up with a judgement on top of the bad tradeline that already exists. The idea is not to be cocky and arrogant, it is to get the best possible result you can from a situation YOU made bad. Take the best settlement offer you can get. Don't listen to people who THINK they know what they are talking about.
  5. Capital One has 90 days to report your account as settled or paid once the collection agency they are using with you receives your money. I settled over 30 days ago. I called Cap 1 and spoke to supervisor who told me they have 90 days to fix your reports.
  6. Amusing since they advertise that by buying their product you can pull your credit report every day if you want to
  7. CJ is good for rebuilding. Word on the streets is that if you don't carry a balance with them though, they will stop reporting your trade line to the credit bureaus. Just what I am hearing. I brought cheap set of earings and paid when the bill came so it established the trade line. They reported to all 3 initially, then like everyone else, they took the trade line off of EQ. Still reporting on EX and TU though.
  8. Unlike JFCU, PENFED and others, the only way in with NFCU is the NAVY or NAVY family members.
  9. I was approved for the Juniper Sea Miles card one week CL of 1750, then the following week I was approved for the Juniper USAirways card with CL of 4250
  10. Yes, I have heard of this TRIFECTA thing about NFCU. The visa, mastercard and the LOC.
  11. I bit the bullet and applied for the Navy Federal nRewards VISA. APPROVED for a CL of $7500!!! Higest CL YET
  12. Keith, take a poll. I would venture to say there are many more satisfied people with CCCU then dissatified. Go ahead, do it. DO IT. DO IT!!!!!!!! LOL
  13. OK, touche', if you already have at least two major bank cards reporting, then yes a new account lowers your score initially. However, after 6 months, that new account becomes an asset. Everyone on here obviously has different success and different experiences. There is NO PROVEN method out there to identify what exactly boosts your score and tanks your scores. YMMV. As for CCCU. I have 10.9% on the card and 1.9% on all balance transfers. I have not seen a card out there much better then that. And FYI, I have Patelco. They were much more difficult and required a helluva lot more proof
  14. Keith you are a confused person. When 99% of people have excellent dealings with a bank and 1% has awful dealings with the, you have to look at the 1% and say, "maybe the 1% is the problem and not the bank". FYI, PATELCO is not a prime lender. Please get more informed before you post crap here. If you had no luck with CCCU, then move on to someone who you feel will treat you better. As for me, CCCU has been nothing but excellent. They will have my business for now.
  15. Additionally, having an account closed by creditor vice closed by consumer has ZERO affect on your score.
  16. If it is showing already, then it is not hurting you, but helping you. I am sure your utilization on it it ZERO which only drives your score up. Having a major bank card showing on your report with a ZERO balance does not drive your score down, it drives it up. Again, I am sorry you have not had the success many of us others have had. CCCU is one of the best CU out there PERIOD. Just because they were not good for you, does not mean that on the whole they are not good. There is something with either your credit report or your income verification that is awry. Pulling TU will not show yo
  17. perhaps something happened to your experian credit report from the time you were approved verbally to the time the loan officer got it. they base most of their approval on your DTI ratio and if you provided a pay stub that would not support you paying your debts based on what your credit report says you owe per month, then they can of course decide you are not credit worthy. They are one of the more FAIR CU out there. Sorry you had some tough luck with them, but they declined you for a reason. My suggestion to you is to find out why and fix it.
  18. CCCU was the first lender to step up and offer me a real CC and a CL of $5000 at that. They are SUPERB and I will always be thankful to them for stepping out and taking a chance on me.
  19. We all know they are both the same, as it shows as CCCU on EX and American Baptist Credit Union on EQ, but does NOT report at all on TU. Anyone else have this issue?
  20. Same issue here, one day Crown Jewelers was reporting on EQ, then one day they were no longer being reported. Still showing on both TU and EX.
  21. I have an account that was CO in August of 2006. I just paid the CO off because of security clearance issues(active duty military here). Will the OC update and screw my score by saying I just paid the CO off and make it delinquent up until now? Or will they keep the same original last delinquency date of August 2006?
  22. Write them down on paper, don't type it out and send to their Fraud department. If you have a fraud alert on your file, they will put your inquiry deletions and address deletions in suspense for 30 days and then delete them. I just did this and it worked.
  23. Unless you are prepared to sue, Experian will wait you out.
  24. So Chuck, Did you ask when you called to activate the card or when you found out you were approved?