tmac01 Posted January 30, 2007 Report Share Posted January 30, 2007 Home Depot approved me for $2,500.....WOO HOO !!!! I reported earlier that they had turned me down but I got a letter in the mail that stated that they couldn't verify some info so I called them. They told me that I answered some of the identy questions wrong...I answered the questions again and WHAM !!!!! Approved... Link to comment Share on other sites More sharing options...
chilton1 Posted January 30, 2007 Report Share Posted January 30, 2007 Happy for you!!! Who did they pull, and what was your FICO? Link to comment Share on other sites More sharing options...
tmac01 Posted January 30, 2007 Author Report Share Posted January 30, 2007 Man they pulled my worse FICO EX and my score is 620...CREDIT...what a mystery !! Link to comment Share on other sites More sharing options...
elyse449 Posted January 30, 2007 Report Share Posted January 30, 2007 That's wonderful, congratulations!!!Elyse Link to comment Share on other sites More sharing options...
skyfox2020 Posted January 30, 2007 Report Share Posted January 30, 2007 You're on a role tmac01! Great job! Link to comment Share on other sites More sharing options...
tmac01 Posted January 30, 2007 Author Report Share Posted January 30, 2007 I know Skyfox its a little weird !! I must not let myself become YOU !!!!!! ... Thanks Skyfox..... Link to comment Share on other sites More sharing options...
tmac01 Posted January 30, 2007 Author Report Share Posted January 30, 2007 One other thing is that Home Depot is through Citi and Citi premiere pass turned me down...go figure Link to comment Share on other sites More sharing options...
kevin3344 Posted January 31, 2007 Report Share Posted January 31, 2007 (edited) Congrats tmac your patience paid off nicely.________properties for sale Pattaya Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
skyfox2020 Posted January 31, 2007 Report Share Posted January 31, 2007 I know Skyfox its a little weird !! I must not let myself become YOU !!!!!! ... Thanks Skyfox........too late tmac01, you already are! Link to comment Share on other sites More sharing options...
skyfox2020 Posted January 31, 2007 Report Share Posted January 31, 2007 tmac01- now you have to pay it forward and contribute to the who pulled my credit sticky. Link to comment Share on other sites More sharing options...
skyfox2020 Posted January 31, 2007 Report Share Posted January 31, 2007 One other thing is that Home Depot is through Citi and Citi premiere pass turned me down...go figure Me too. I just got a letter in the mail from Home Depot stating that I am pre-approved for $1500. But I tried for a PP, and got a big fat no. I'm not going to apply for the HD CC though. I just want to focus on CLI. Link to comment Share on other sites More sharing options...
tmac01 Posted January 31, 2007 Author Report Share Posted January 31, 2007 Your right Skyfox I will do that !!! Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted January 31, 2007 Report Share Posted January 31, 2007 One other thing is that Home Depot is through Citi and Citi premiere pass turned me down...go figure Here's why...http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=256623The thread gets a little heated, but the explanation is still there. Link to comment Share on other sites More sharing options...
tmac01 Posted January 31, 2007 Author Report Share Posted January 31, 2007 Thanks Earthangel...that makes sense...I have a Zales and a Home Depot CC but no Citi Bank card. I just heard that the Citi premiere was not very hard to get so I tried...Guess I was wrong....... Link to comment Share on other sites More sharing options...
chilton1 Posted January 31, 2007 Report Share Posted January 31, 2007 Tmac01 if they pull Experian that sucks because you cant bump those inquires. Link to comment Share on other sites More sharing options...
tmac01 Posted February 1, 2007 Author Report Share Posted February 1, 2007 Chilton I agree !! Tu bumps in days its so easy...EQ will bump in months or if you don't live in TX you can dispute them online and their gone in days. Now with EX....I have 14 inqs...10 of them are mortgages and car loan inqs...7 will drop off in a few months but EX never deletes inqs....They Suck... Link to comment Share on other sites More sharing options...
chilton1 Posted February 1, 2007 Report Share Posted February 1, 2007 Tell me about it. Does any one have a Phone number or email contact for anyone at Experian? I am finding it quite annoying that none of their numbers allow the consumer to speak with a live person. Not even with a fraud alert b@st@rds!!I check the list in the sticky and the numbers don't work and the email listed bounced back to me. any ideas? I am trying to remove two inquires. I really don't want to mail my info into to them. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted February 1, 2007 Report Share Posted February 1, 2007 EX never deletes inqs....Yes they do. You just need to have a fraud alert on your file to do so.Does any one have a Phone number or email contact for anyone at Experian? I am finding it quite annoying that none of their numbers allow the consumer to speak with a live person. Not even with a fraud alert b@st@rds!!Just call the # on your CR (1-800-493-1058). During the prompts, say "live agent" or "live representative" and you'll be transferred to one. Link to comment Share on other sites More sharing options...
chilton1 Posted February 1, 2007 Report Share Posted February 1, 2007 Thanks EarthAngel. I just called and they are going to investigate. I will update on the results. Link to comment Share on other sites More sharing options...
tmac01 Posted February 2, 2007 Author Report Share Posted February 2, 2007 Thanks Earthangel but I think I will stay away from Fraud alerts...I have heard nothing but nightmare stories about them.Like you cannot get credit with the alert on and its hell to get it removed...I'm just a little scared... Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted February 2, 2007 Report Share Posted February 2, 2007 Thanks Earthangel but I think I will stay away from Fraud alerts...I have heard nothing but nightmare stories about them.Like you cannot get credit with the alert on and its hell to get it removed...I'm just a little scared... :confused: Scared of what?? You need to do more reading, hun. I always have FAs on my files. I even take them off and put them back on again (for many reasons). They are NOT hell to remove AND you can obtain credit w/ them; you just can't obtain INSTANT approval. But if a person is in THAT much of a hurry to get a CC, then no, a FA isn't for them. I just hate it when pple continuously give out misleading information/perceptions like the one you have about FAs. TU will remove them w/ just a phone call; EQ will remove them by fax; and EX will remove them by mail or (if you can get the right person on the phone) by fax. Another misconception that pple have is that you can't pull your CR online if you have a FA on your file. LIE! I use a monitoring service and have purchased my FICO scores & reports w/ FAs on all 3 files. No problem. If you don't want to put a FA on your file just because [for whatever reason], then that's perfectly fine; but I don't want you to reject it b/c of the myths you've heard. Link to comment Share on other sites More sharing options...
tmac01 Posted February 2, 2007 Author Report Share Posted February 2, 2007 Hey your post is the first good thing I've heard about them...I've just heard nothing but bad things about them.....Sorry... Link to comment Share on other sites More sharing options...
chilton1 Posted February 3, 2007 Report Share Posted February 3, 2007 Tmac01, I also have a Fa on my report; I put it on in october. I still continue to use my truecredit and i pull myfico ever so often-- no problem. I also got approved for a target card approval while I had the FA on. My experience has been positive. I recently disputed 2 entries on experian I will wait and see what happens. Link to comment Share on other sites More sharing options...
tmac01 Posted February 3, 2007 Author Report Share Posted February 3, 2007 Yeah Chilton my CR was clear other than the two Providian accounts until yesterday and I was hit with a Medical bill which is impossible since I have always had medical insurance. I Sent a letter to the CRA's disputing this, I sent two fax letter to Supervisors of the CRA's and I even emailed EQ's customer support. One of them has to rid this bogus TL...man you get rid os one and here comes another... We will see what happens...I have done good in the past other than my biggest nemesis PROVIDIAN.... Two Providian Chargeoffs from 2001....UGH !!!!!!!!! Link to comment Share on other sites More sharing options...
chilton1 Posted February 3, 2007 Report Share Posted February 3, 2007 Tmac01, I feel your pain. Why dont you call the hospital while you are waiting for the DV to find out about the charges. They probably make a mistake you know the people putting in the info are not exactly the sharpest knife in the block. I had a medical collection and I got rid of if by doing a three way call to the CA and the hospital billing. I had insurance and they kept reporting the wrong info so the call took care of it.I mailed a Dv for my pain in the tush providian account thanks heaven i only have one. Link to comment Share on other sites More sharing options...
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