Misc Credit Card Questions

[yuguy]

so witch card are suggesting

New in the game--only one card, right?

I would do british and SW or two southwest cards of you have use of the companion pass.

[yuguy]

FYI, there have been no recent reports of success with Chase more than 2 cards in 30 days. I'll link to Clear thinker's solution of calling to recon after 10 days or so, having denial for same reason but no new pull, then call on day 31 and use same original pull and get approved.

I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.

[rs242]

Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG

[TimT]

Have spg personal and it's a great card to earn for hotels wondering what's best for flights sounds like British or sw. What's RPG

PRG- premier rewards gold from amex. It's a MR earning card

[noturbizniss]

I tried that and they never resent the letter. However, when I called on day 31 the rep never mentioned my previous 6-7 calls and said "oh, you want a second recon?" And he did. I was approved! Maybe just got the right rep. As always, YMMV.

Have you confirmed that it was not a new pull?

[TimT]

sorry but what's MR?

membership rewards

[yuguy]

Have you confirmed that it was not a new pull?

Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date

[noturbizniss]

Misplaced my letter on the original denial, so couldn't check EX, but Never got a notification of new inquiry from Credit sesame (though they did report the new account, so that's a good sign!) And only 1 inquiry from the original app date

Are your familiar with the experian trick die unlimited updates of your credit report?

[yuguy]

Are your familiar with the experian trick die unlimited updates of your credit report?

No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)

[noturbizniss]

No but I'd love to learn it! (I also have the employees ID if he wasn't truthful in not pulling my report)

https://www.annualcreditreport.com/
Free once a year for all 3 bureaus.

Once you get the experian one you can go to experian.com/viewreport,and as long as you go less than 90 days later you can constantly pull an updated version.

You just need the report number from the original report. Save it as pdf so you have it

[yuguy]

You just need the report number from the original report. Save it as pdf so you have it

Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.

[ckmk47]

You just need the report number from the original report. Save it as pdf so you have it

Thanks!

[noturbizniss]

Really? Great to know! Last I checked it was September and i believe I DID save that report. Will have to report back tomorrow.

More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

[yuguy]

More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.

[noturbizniss]

Oh now I think I get the hack. But I'd still need my most recent report #. I'll try, though. TY.

I think the chap is that the report stays live in their system for 90 days so it can be refreshed. I could be wrong.

[clear thinker]

Reported to credit bureau you mean? If so, then yes. DROPR.  Minimum reporting time is if not paid 30 days after due date.

Tnx

[Boruch999]

More than 90 days though.
There might be a trial thingy available fire a few bucks. I've been viewing mine and my wife's every few weeks since August.

The current EX trial with FICO doesnt provide a report number.  It could be if you initiate a dispute you can get one.

[benjie1305]

You just need the report number from the original report. Save it as pdf so you have it

Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?

[TimT]

Wait - so this lets you pull/refresh it on EX's website all the time if its within 90 days of the annualcreditreport? Does this go forever?

[benjie1305]

 

Game changer! Only thing is that I must be right on the 90 day cut off. Need to check at home. #nervous