I filled out the form online 12/24/01 and then I got one of those yeah yeah yeah, need more time to process because you suck messages and then I checked my email box today and there was a message from Juniper with the subject line welcome to Juniper! The email just said they are sending me all my stuff, but didnt say anytihng about my credit line or anything. I cant wait to see how much they approved me for!
I will call them and find out. I know some people like to wait to find out in the mail. Not me. They are super nice to talk.
I went to their site to do online registration and you dont have to have your credit card number for that, just your ssn, i think birthdate and mothers maiden name! it gives you all your information online! They gave me a 3000.00 credit limit!
Congrats, Laray. Where on their website can you access your account without an account #? All I see is ssn, mother's maiden name, account #, and birthdate. It won't let me in the system without the account number. Trying to find out what my fixed interest rate is. Dani
I believe i clicked on the new member login. They ask you to fill out three of the four fields to have account access and then I went in there and clicked on credit card and it showed me my 3000 limit! Now I plan to transfer balances of my Craptial One and Getdumb card. I have about 15 combined with those and I have three store cards with a 0 balance. Thinking about closing one of my other two majors.....
Ok to access my account for the first time from the home page i clicked on first time visitor register. I put in my ssn, DOB and moms maiden name, then chose my password and login and clicked on join and it let me in.
Laray, I went to first time visitor and entered in ssn, DOB, and mother's maiden name. The system refuses to let me in without the account #. It says please enter in security information. Am I doing something wrong? Dani
I entered everything except for my account number. I picked a username and a password combo of letters and digits and it let me right in. I dont understand whyits not letting you in. You might want to call tech support or their customer service line.
I just contacted Juniper. The gentleman I spoke with said the only way to access online is upon receipt of your account #. He said the system is not suppose to allow you in without all of the information filled in for security purposes. He said also due to security purposes they refuse to give you your new account number over the phone. I was told I would have to wait until I received the card and account # by mail. Bummer. Dani
When you applied for Juniper did you have any lates or collections on your report? I know when you posted about Lexington sometime last year they had deleted alot of the accounts that you had lates, but you had to dispute a couple others yourself. How did this go? Dani
So i guess i reached a loophole or something in the system. the email i received when they said welcome to juniper said we will send you your card shortly, but for instant account access go to the website. when i applied for the card, they pulled equifax so far i think thats the only one they pulled and on my equifax, i have 5 lates for ANBCC with the most recent being 4/00. 1 inquiry ion the past two years and thats as far as it went. Dani, I will post all my details a little later in the day.
Part of this post I posted a couple days back. It basically sums up everything for me. Ok, let me first sum this up. I got my first credit card in 1997. Fashion Bug for 200 bucks, I closed the account in 1999, store sucks. -Discover in 6/97 with 1000 limit. -Citibank in 10/97 with 800 limit. -ANBCC in 11/97 with 500 limit. -Victoria's Secret 7/97 with 100 limit. Ameridebt entered April 1999. They made arrangements for me and soon after, Discover, CB and ANBCC all closed my accounts on me (but I still had balances). Capital One opened 1/00 with 200 limit, 59 dollar annual limit. OSI Collection -- Sprint went to collections for 743 dollars, dates on credit report listed as 3/00 and 5/00. I made payments and 545 remaining balance paid 6/1/00. My last late payment is listed as 4/00 because Ameridebt sucks, screwed me over, released payments late. I continued making payments to them until Spring 2000 and officially told them to stick it October 2000. Aria opened 3/01 with 1000 limit 59 dollar annual fee, 23.99. Citibank was paid off 2/01, no lates. Discover and ANBCC 5/01. At this time Discover had 5 lates and ANBCC had 5 lates as well. I signed up with Lexington earlier this year and now my credit reports look like this: Experian: ANBCC - 4 lates -30 dates, 3 in 98 And 1 in 00 60 days: 3-00 Verified 9/01 OSI Collections - paid collection as of 6/00; verified 10/01 and unchanged ATT Wireless -Current Capital One Bank - Current no lates Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late, verified 5/01 will remain on record until 8/09. Providian Financial - open never late. Vic. Secret - open never late. Inquiries: 10 inq, 2 in last 6 months. TU: ANBCC - 1 late 10/98 -30days 1 60 days 11/98 Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late. Providian Financial - open never late. Vic. Secret - open never late. Inq: 10 last 2 years; 3 in last 6 months. Equ: ANBCC - 5 lates, 30-4times, 60-1time ATT Wireless -Current Capital One Bank - Current no lates Student Loans - current, no lates Citibank Visa - closed, never late, closed at credit grantor's request. Citifinancial - open, never late. Fashion bug - paid never late. Providian Financial - open never late. Vic. Secret - open never late. Inq: 1 in past two years; 0 in past 6 months. Victoria's Secret raised over years to $960. No lates. Capital One raised 12/00 to $400 (woopty doo) Aria raised to $1650 in July. Exp: 626 TU: 642 EQ: 682 My student loans are about 16000 dollars. My revolving debt is less than 10 percent of that. My income is 28000. As the year closed, I figured I would stop worrying so much and just apply for some credit and see what I can get. Now that I got Juniper, I am starting to wonder. I believe I applied for four credit cards between 12/24 and 12/28. I believe two gave me outright denials and the other two said we need more time. Ok, here's where I screw up, I donâ??t remember which cards told me which things. So what I have to do now is check the history on my computer to see: I checked out millcbs.com before applying and I know I applied for: Citibank Juniper AMEX Blue Fleet None of them outright said you are approved. Now according to privista, I have three inquiries on my Equifax, which is ok because they wont mean too much come July and thatâ??s fine because I have all the credit I need. ---- As far as credit repair, what I did on my own was dispute Equifax and experian online. I started when I had a free trial to creditexpert (I will get the full one year in June when I renew my privista). I disputed some inquiries. I tried to get a personal loan a while back and I applied through lending tree and that put three inquiries on my account and I was successful with getting two of them removed via experian online. Also, any situation where I was not awarded credit I disputed for the hell of it via experian and had I think 3 of 5 removed from the past two years. I disputed my ANBCC account as well online, but I didnâ??t get anywhere. They wont budge, I tried them, I tried to fuss with ameridebt and they didnâ??t help either. Experian also had wrong personal information which I disputed online as well. Equifax is almost never pulled in NJ, so therefore I only had one inquiry and that was for a cellular phone that I have. I disputed my ANBCC account there and they didnâ??t budge, but I enjoyed getting a free credit report out of all the disputes. I am trying to figure out what to work on next as far as removals and repair. If I could just get those ANBCC latenesses off my account, I would put my equ over 700. I am going to do a balance transfer to get all the money off my aria and CO to juniper and then just pay on juniper and use that and pay full balance every month. Now that Christmas is over, I have no reason to charge a lot. I am also considering closing CO or Aria, but donâ??t want anything at all to hurt my credit score, so I not sure.
Dani, I just went to the juniper site and filled out all the questions without the account number and I was able to log onto the site. I haven't received my card yet.
You've improved your score alot in a short period of time. I wouldn't close Capital One, only because if customer service won't help planetfeedback will. Providian, depending on how long you've had the card, I would probably close the account and transfer the balance (if you have one). I would recommend just focusing on the credit you have and letting it age. With Citibank and Juniper you've made into prime. As your credit ages you can get rid of the subprime cards and just continue disputing ANBCC every six months or so. Eventually, they will get tired of having to verify it and will delete it. Good luck and congratulations. Dani
The website still won't let me enter. I just got the card this morning in the mail (it's taking a whole 10 days to get). Once I entered the account # it let me in. I still can't find out what my fixed interest is. When the card arrives all it has is my credit limit and an attachment that I will have an introductory rate of 1.9% for six months. I'm scared they're going to up to 15 or 16% after the six months. Ugh. Hope everyone is having a wonderful new year. Dani
