Your Credit Report Inquiry

Author: douglasGuest
Posted: Sat Jul 19, 2003 10:46 am
Post subject: are there are any CC companies that only pull Transunion

My Transunion report is fantastic but Equifax adn Experian not so good. Are there any credit issuers who only pull Transunion?


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Debit Card vs. ATM Card

Author: ButchGuest
Posted: Fri Aug 22, 2003 1:51 pm
Post subject: ATM vs. Debit Card

Is it safer to carry an ATM card rather than a debit card with a Visa or Mastercard logo? I figure that a thief can't use the ATM card without a PIN, but he can drain my checking account if a Visa/Mastercard check card is stolen. I would get my checking account funds back, but only after a lot of investigation and hassle. Is this correct?



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High Balance Credit Cards

Author: jbtrader23
Joined: 26
Jun 2003
Posts: 3
Posted: Mon Aug 25, 2003 5:32 am
Post subject: How to get extra credit with high balances

Are there any cards that I could get (even with high interest) considering I have about 90% debt to limit currently? I know anything over 75% of so is trouble, but otherwise I have a very clean record. Only 2 cards and a gas card. Always paid on time. A 688 FICO last time I checked. An extra $1,000- $2,000 in credit would be nice.


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Zero Balance Credit Cards

Author: ShakyGuest
Posted: Wed Aug 27, 2003 3:33 am
Post subject: Accounts with ZERO balance---Negative---

hi all i recently applied for citi bank card . I have almost 2 years of clean history one macy's credit card with 1500 limit and other orchard bank card with 800 limit. last inquiry was 13 months ago from orchard bank. Citi bank shocked me with their denial letter. telling me reason ** Accounts with zero balance** which is true i paid my accounts off 4 months ago and didnt use it after that. and before i applied i checked my score with Transunion and Equifax. TU 706 and EQ 740. And citi bank checked my TU report. I just cant belive it.

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Problems Closing Providian Credit Card Account

Author: David
Joined: 21 May 2003
Posts: 5
Location: Columbus, Ohio
Posted: Fri Aug 29, 2003 8:36 pm
Post subject: Problems Closing Providian Credit Card Account

Hey all, just a word of warning, and also to check if others have received similar letters... I paid my Providian account off back in May 2002, after they hiked my interest rate to 29.99%, and closed my account.

A few weeks after, I received a letter from Emerge, claiming that my (supposedly closed) account had been transferred to them. I wrote to Emerge, and also filed a dispute with the credit bureau, as they had also been reporting the account to them (under a different account number, of course).

That was the last I heard, until I received a Collection letter today from the Wolpoff and Abramson, LLP, based in Maryland. They claim they are acting on behalf of "Great Seneca Financial Corp, Assignee of Providian", and that I owe nearly $1200.

The account number referenced is neither my original Providian account number, nor is it the one Emerge gave to me. Of course my first step will be to contact Wolpoff & Abramson, but I thought I'd mention it here, in case there are any similar experiences.

Also, in case things get nasty, does anyone have a link to any sample cease & desist letters? Thanks, and wish me luck!

David.

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Which credit card rate is best?

Author: JoeGuest
Posted: Fri Aug 29, 2003 12:23 pm
Post subject: Which credit card rate is best?

I have an American Express "Blue" card (since early July) with a 7.99% fixed rate after the intro rate expires. I have an offer for a Capital One credit card with a 4.99% fixed rate (no annual fee on either one). How come your web site doesn't have anything this low (nor have other web sites so far); am I unique in the world for being offered rates this low via "snail mail"? Or is the net this slow? Or are my interests not being served? Reckon I'll stick with the "snail mail".

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Closing Your Credit Card Account

Author: AngelGuest
Posted: Thu Sep 11, 2003 12:29 am
Post subject: Closing Your Credit Card Account

okay i called capital one tonight to close my account with them. the guy really seemed dumb but i was friendly. i asked him if it would take 30 days to cycle the account out and then report closed to credit bureau. he said no that it will take 2 months and will be reported closed by december. i was like okay. why does it take so long? does anyone have an idea?

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Platinum Mastercard with E-Lert

Author: GuestGuest
Posted: Mon Sep 08, 2003 1:52 pm
Post subject: Platinum Mastercard with E-Lert

MBNA is now offering a Platinum Mastercard that comes with a FREE credit monitoring sytem. Its called E-Lert. How it works is when you or someone else applies for something that requires a pull of your credit report,you will be notified within 2 days of the inquiry by email. If no activity is noticed on your account, at the end of the month you are sent an email letting you know all is well.This helps you catch fraud early. The only catch is you have to make a purchase once every 90 days to keep the service active. But the purchase can be as simple as a pack of gum or a candy bar No Annual fee 0% promo until June 2004 for BT's and all cash transactions %9.9 fixed rate for EVERYTHING. Not just purchases. Just wanted to let you know.I havent checked their website so I don't know if its up yet.

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