Sometimes applying for credit cards is reminiscent of getting debts verified with CRAs. It seems that they actually look at some requests and others they dont. I guess you really do have to take in account those processing these requests..
Have you ever called in and contested their decision. I remember you stating that you was told you too many open accounts. Was that by citibank? Mike G.
I AM PUTTING TOGETHER A LAWSUIT TO BE FILED IN JANUARY 2002 AGAINST CREDIT REPORTING AGENCIES WHO HAVE REPORTED INCORRECT INFORMATION. IF YOU HAVE BEEN HARMED BY CREDIT REPORTING AGENCIES REPORTING WRONG INFORMATION, WRONG AMOUNTS OWED.LEAVE A MESSAGE HERE AND E-MAIL ME WITH YOUR CONTACT INFORMATION AND BRIEF DESCRIPTION OF YOUR PROBLEM. TO POSSIBLY BE INCLUDED IN THE LAWSUIT. E-MAIL ME AT CREDMLG7777777@AOL.COM
I got a CitiClick card with 1000 cl with a dozen or so inquiries within 6 months (TU) and my FICO is 625 according to the last contact I had with TU. I paid off a charge-off with them 7 years ago and I don't owe any one money only 2 PAID charge-offs and 2 lates from 4 years back.
what type of information are you looking for? I have been fighting Equifax for 5 months to properly report my Ford Motor Credit account. In April of this year, they decided to report me as 90 days late. I have disputed in online and via phone conversations for the past 5 months. In June, they asked that I provide them with a phone number, because it would be the only way they could break the contract they have with Ford on how they verify the accounts. I did so. In July, they asked that I provide a name and extension of someone at Ford. I did so after arguing with Ford for an hour. Finally, in August, I am informed that Equifax has changed it's policy and no longer does phone verifications and that I was misinformed in July. I mailed an intent to sue letter to Equifax on Monday. I have not received the return receipt yet. Mike G. accendo@mail.com ps I forgot to mention that my interest rate went up 2% because of the error on my Equifax report. More specifically, because the score was so low.
