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About ctfudge&bankofC-ville

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    from a kids story, OK?

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  1. The kids made up a story about a fudge factory... He did not want to be Mr. Fudge, therefore was having no part of my ridiculous name. I can tell you that he likes those E.L. Fudge cookies, but I don't let him buy them. They are not good for anyone! (OK, I lied a little there... who can resist those)
  2. He took it out because it should improve credit standing to have an unsecured bank installment loan. I was told that by someone I chatted with at Orchard Bank about a year ago (a CSR who took the time to talk to me a little bit about credit repair - he said if you can get a bank loan, that'll improve your credit more than anything else) and I already sort of knew that, anyway. Also, while his credit utilization is only about 15% or so, all of it will now be put into the installment loan at a rate that is a little lower than the average rate on the cards, and.. VOILA - the shelved cards (we do
  3. Thanks, Goose, and 2nd time around, also. Of course you are right - a ratio should never be that tight that I am concerned about $10 here and there, and I am only talking about a few accounts. They look good on my record, too, being prime cards (thanks, Mom). re: installment loans - the hub just TODAY got an unsecured bank loan at the bank we have been doing business with for 5 or 6 years. This is a major score for him. I am going to let him crow about that in his own thread, when he gets around to it. I don't want to blab it all over the place. But I just did!
  4. Thanks so much, Goose. I may ask you more questions if I come up with them. Uh... one I already came up with is: My credit report lists old accounts that I hardly remember and may have never used, like my mom added me to an account or something, and the account is closed (I know this for sure) and it's still reporting as "open" and in good standing. I have not disputed these since I figure it helps my credit age and it's another account in perfect standing. But if these long-gone accounts are going to cost me $10 apiece per month, maybe I should ask the credit bureaus to mark them closed.
  5. Thanks... I think the person who told me that was trying to chide me for using credit cards at all. I think she's one of those Dave Ramsey people who thinks even having a credit card is evil.
  6. On another forum, someone told me that having large, open lines of credit would hurt my chances of qualifying for a mortgage, or at least would qualify me for buying a lot less house. I was under the impression that this was true in the past but not as true now. I am very hazy on it, though. If anyone has information on this, please speak up. As you can see from my signature line, especially the total, my husband and I are now trying to improve our FICOS, decrease our utilization (and overall credit card debt), and increase our credit lines. I know that one school of thought is to have only
  7. They refused to give me a Hooters upgrade. It had been 7 months since first getting the card at 3,000 limit, so I called to see if I could get a tiny increase. They said NO!!!! Then Merrick went and increased my regular Merrick card from 2,800 to 3,000! Less than a month later! Tell me...does this make any sense at all? Kind of supports Amerikaner's Magic 8-Ball theory of credit granting. (Congrats on the bigger jugs...er... I mean on the great Hooters CLI!)
  8. Maybe this was already posted; if so, just delete it. Apparently some credit card companies keep a very close eye on customer purchases. http://blog.wired.com/27bstroke6/2008/06/credit-card-fir.html Anyone ever have an Aspire card? I don't hear it talked about much on this board. We had one and it was the first card to get rid of in the credit-repair process.
  9. I think they do. The hub just got a $3,000 Neiman Marcus card. Then Lowe's (GEMB) called him to verify security details and turned him down for a card. Not even $300 or whatever they start at! And he has a number of GEMB cards that have been in good standing for years - never had a problem with a GEMB card. He has a Wal-Mart card; cannot get a Sam's Club card. I have a Sam's Club card; cannot get a Wal-Mart card. GO FIGURE!!!!
  10. ugh... gross, this isn't right. I hope you get somewhere talking to them on Monday. But you know, I know you don't want to hear this, and this is only the voice of perspective talking... Before you turn into too much of a hothead over this (not saying I wouldn't be steamed, too) - if they never raise it to the 1,000 they promised you (which would be a big bummer), at least one bright spot is that the card is now unsecured. That would mean a lot to me, if only in principle. They sent you your $ back. I'd be overjoyed because I'd be too cheap to be OK with letting them hold my money in the f
  11. I know you're kidding but you're absolutely right. I never meant to run it up - I meant to use it as use-and-pay every month, and I was going that for a while. I'll get back to doing that (where I will find the money - I don't know, maybe I'll pay it down in chunks.) I really think that's what prompts cc companies to grant CLIs. Or maybe it's coincidence. But I sometimes run cards up near their limit, then pay them completely off, then use them and pay them every month, and I alternate this pattern as needed. A combination of those behaviors seems to inspire them to grant CLIs.
  12. Not very long ago, maybe it was 6 months, I dunno... they raised my credit limit from 500 to 900, just because I pushed the love button. I have had the card since about 2004 or 2005. It was one of my first post-BK cards - I was shocked that they gave me the card, actually. I was recently close to my limit and made a $50 payment so I'd have room to purchase a few things at Sam's today. I just logged on to make sure they got my payment and was shocked to see that they raised my limit to $1600! $775 available credit was not what I expected to see!
  13. Can you send some good vibes to my investing accounts? I know what you mean - I don't always quite believe it's for real till I get the card, use it, get a bill, see it reported, etc. This is because I remember back in the dark ages (early - mid-nineties and I think this happened as late as 2001 for me) when stores would give out "instant credit" based on an application done in-store and showing drivers license and a major credit card. They'd grant you an account and a temp. card and then later send a letter saying they decided to revoke your account (meaning they pulled your credit after y
  14. Well, I got a letter back from them telling me, "No." I put all the details in the thread, "stop change in account terms without closing account." I don't want to type it or even copy it here... Basically I sent them a big plea showing them the only thing that could have been the problem on my CR, which was temporary, and they didn't care and gave me a form "no" letter.
  15. I had this problem with WaMu - I should go update the thread. I put together a letter and copies of my credit report with what I believe was the "problem," circled and highlighted (a temporary change in my credit utilization because of a big balance transfer amount being shown in two places as if I owe it to two cards, which of course, I don't). They did tell me it was not due to anything I did handling my account, so I deduced that it was something in my credit report; they said it was a "business decision." Anyway, sent the big, thick letter with lots of documentation... and WaMu didn't c