All hail to the king....JUNUM!

Remember a few days ago when I posted about my Equifax report only being one page? Well, when I paid to get my score, I didn't even SEE that I could get my report also and guess what? It's only ONE PAGE!

I haven't had a one page CR since I was in college. Before Junum, my Equifax report was like 3 to 4 pages long.

Junum got Equifax to REMOVE ALL ACCOUNTS WITH NO ACTIVITY!!! My foreclosure is GONE....(I'm getting chills here!). I only have positive accounts on my Equifax report. There's one account that has a late pay from 97, but that's it. And all those inquiries fell off also (they need to stop reporting them in the first place).

I can't say enough about Junum. Now, a month ago, I applied for a Amex green and was denied. They pulled my Equifax...is it possible to call them and ask them to reconsider with my NEW report out there? What are my chances with a 642? I've never had an Amex before, so I'm not on their "black list".

Thanks

 

Re: All hail to the king....JU

Hey Saar,

I can't remember offhand (I'm not at home right now). But it's nothing that I can't fix. The biggest one was balance to limit ratio too high. I'm working on that now. Maybe this summer I'll try again.

Thanks!

 

Re: Congratulations Shantel!!!

Thanks ladies and gents....yall are GREAT! I luv this board and all the really great advice and people (most of them anyway...and we all KNOW we I'm talking about).

 

To MP$40

I think I'm going to hold off for a while and pay down my balances. I'm due to have them all down by July/Aug of this year if not before, and then I'll try Amex again. One of my reason codes was too many inquiries in the last 12 months, so I don't want to waste another one...especially since I'm new car bound in July.

But of course, I will keep you all posted!

 

Re: Cool!

Thanks MP....I'll check my info and see the exact date I got the letter. But someone said that 642 is still kinda low for Amex green.

I just thought of something.....On the letter that I got with my new Equifax report, it stated that 4 things were removed. It made no mention of anything else....but there are lots of things deleted. Is Junum going to charge me for all those or just the things the letter said was deleted? I mean...it's A LOT! If I have to, I'll pay, I won't complain, but this is the first letter I've gotten from Equifax regarding my report and why they didn't specifically mention everything that they deleted is beyond me.