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CleverCynic

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Everything posted by CleverCynic

  1. No one's tried this in 2 months? Tried yesterday, dispute ended today. Still there Anyone else have any recent luck?
  2. I think if you charge up a few hundred every month and only pay the minimum for a couple-few months in a row you're risking the CLD.
  3. Is it the tail-end of your payment deferrment program (no payments or int for 6 months)? It may be that its the accrual interest from all that time figured over a single month?? I've not seen anything like that yet, but I only made my first purchase last month and used maybe 18% of my credit line...
  4. WoW!!!!!!!!!!!!!! First time I ever saw that! Man I'm gonna be in trouble in a month if this is the new craze.
  5. WTC he's talking about EQ, which you can have the INQ's removed for real. Less inq's is more attractive to creditors, and in kind the score moves upward. In that sense the score climb is of value as it does correlate to improved attractiveness, even if it isn't "the number" they see.
  6. My experience you get some back, then the rest within about a month. Hard to say why.
  7. They should be there for another 10 years after paid off, then your existing accounts will probably be as old or older than those are now.
  8. My info is of limited value because it was weird, but I was denied Chase Disney, PLANNED to recon, then I noticed they pulled another report a week or two later and then approved me for $500 without doing anything further. So, at minimum, expect a small line at first. They did grant my request for a CLI recently to $3500 after my last baddie fell off. Helluva increase.
  9. Let's just say I look good in all orange...
  10. I seem to have gotten it too. Conversion would have been better...
  11. My dentist is pretty regular with that... Always seems to have a reminder as to my next cleaning along with it.
  12. Yep, the 3rd one lasted even less than the first 2. Kid had a couple friends over, when it would land (crash) they raced over to it to be the one to pick it up and of course stepped on it. Son's pilot's license has been revoked until further notice.
  13. Alright, that explains that, thanks! Guess it's 14.99 for me.
  14. I get that with Juny. Must have something to do with the way your card is coded at acceptance.
  15. Any idea what the interest rate is on these things? There was nothing with my card on it and no way to tell online!?
  16. They'll give you more too if you call and ask, but it will result in a hard pull. I got a $400 auto-cli, then $600 more for calling in. Now up to $2.5k from 1k original about 14 months ago.
  17. Score is a minor benefit. Erasing evidence of app sprees is a larger one. Many creditors will deny you on that basis alone, and even account review soft pulls could lead to trouble and CLD's in this climate.
  18. Man that's one of the worst things I've ever heard. This was a terrible fluke and I hope you're not beating yourself up over it. No way that was a lab though, they are the standard for large family dogs with good dispositions, and I have a black one. Give yourself a good grieving period and don't let this stop you from trying again. My experience the renewed companionship ends up better than any guilt or jading in the matter. I really love animals and feel your pain. Tragedies are the worst.
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