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posted: Apr. 3, 2007 @ 10:07p
Zonder
Greedy Member
posted: Apr. 3, 2007 @ 10:14p
Well I hope you applied through muktiple cardoffers accounts since the limit has been set to 2 bonuses per year per 3/30/07. Interesting to see if she'll be approved for all these cards considering her very limited credit history and low limits.
I'm sorry to be the one to tell you that you'll have little to no chance of getting any of those accounts approved. She has no revolving debt experience, and all you did was kill her credit with a slew of inquiries. Start out small then work your way up.
jfarinha
Member
posted: Apr. 3, 2007 @ 10:30p
c
tooligan
Member
posted: Apr. 3, 2007 @ 10:55p
jfarinha said: I got instant approvals for 10,400.00 with Bof Platinum rewards, and 1000.00 sony chase card. I can get rid of all the inquiries within 2 mos. not a problem. her true fico score seemed pretty good.
ficos not everything. 16mos experience will scare alot away. helps that you put HHI down for a 19 year old... If you ever get FR'd say goodbye to that card.
[edit to add 1 more thing] you can get rid of the TU and EQ inquires yes, not experian. better hope no one touches EXP in the coming months.
destroebl
Tired Member
posted: Apr. 4, 2007 @ 12:26a
Wow. And I kinda felt like MY AOR was pushing it...
KittyFishnets
Member
posted: Apr. 4, 2007 @ 2:15a
jfarinha,
Can you clean your post up some? Very difficult to read.
Who were the issuers of the two AU cards?
Why did you AOR for your 19 yo daughter instead of yourself? I hope she consented to this.
jfarinha said: I pay someone that has a relative that works for experian. I can get inquiries off. they put them under investigation for 30 days. Then delete most of them. Sometimes, I need to do it twice, to get them all off. Although, I was just trying to be helpful and share my experiences.
Classic
Riuski
Addicted Member
posted: Apr. 4, 2007 @ 4:12p
Well, I hope the interest you make from the BTs is more than the $100-$200 you have to pay to get rid of the inquiries. Doesn't seem worth it for me just because of the amount of work vs. amount of reward ratio.
I found someone advertising credit repair. I didnt need any repair. Just the inquiries, He said, he had a relative that can get them investigated, Just send him a 100.00 mo. , that was it. He doenst guarantee success. just they will be investigated. I thought, I would give it a try, what the heck.
How can you be making $140k and have $500 subprime CC accounts, especially if you have been CMO for 3 years? Or was it your daughter that just used your income as HHI and AU on two cards?
jfarinha
Member
posted: Apr. 4, 2007 @ 4:45p
c
markkundinger
Senior Member - 2K
posted: Apr. 4, 2007 @ 5:43p
So, just to make sure I'm clear:
The applicant for the loan is actually your daughter. But the HHI is reported as the high number because it is yours, correct?
I am very interest to see the full results from the AOR. I would expect a lot of declinations due to limited credit history. However, I would also expect a few very nice credit lines due to the high household income. In other words, I'd expect results all over the dang place.
And assuming that you have larger and older credit lines, then you definitely would have gotten better results by making your daughter AU on some of the best accounts, and letting those cards report, before starting the AOR. Oh well, no big deal.
I hope she doesn't go crazy spending on the new cards.
KittyFishnets
Member
posted: Apr. 4, 2007 @ 8:37p
jfarinha said: I am going to try to do a AOR for myself. But, I must wait for the planets to align, in order to get my score up. I have some sallie mae lates back in 04,that had a status of 05, they are rolling lates for about 6 months.
He is doing this under his daughter's name because his own reports have multiple lates from 2005. Guess the credit repair expert and his "relative at Experian" couldn't fix those...
I just hope he isn't doing this without the daughter's knowledge and consent. Regardless, I doubt she fully understands the consequences, since Daddy doesn't seem too knowledgeable himself.
Experian keeps telling me that inquiries cannot be disputed. I've been thinking about serving them a nice invitation to a nearby courthouse. Perhaps I'll send the dispute CMRRR and see what happens.
Might sue them anyway just for fun (ask for class action status) because I have close to a dozen phone recordings of EX employees telling me they do not investigate inquiries.
ElectricSavant
Senior Member
posted: Apr. 10, 2007 @ 10:26p
Has anybody been able to get experian to remove inquiries...How?
taxmantoo said: Experian keeps telling me that inquiries cannot be disputed. I've been thinking about serving them a nice invitation to a nearby courthouse. Perhaps I'll send the dispute CMRRR and see what happens.
Might sue them anyway just for fun (ask for class action status) because I have close to a dozen phone recordings of EX employees telling me they do not investigate inquiries.
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