annoneil01

Hi, yacatl. It is not necessary to ever pay to have access to myfico.com's community message boards. Registering is free. It is not necessary to register in order to read the community message boards, though it is necessary to register in order to post. I don't know which product you bought to which you no longer have access, but if the site is telling you that you do not have access to the community message board there is a problem. You would need to contact myfico.com to find out whether or not you had been IP banned (not likely), or whether there is a technical reason for why the site is having problems loading for you. The myfico.com community message board offers some great advice for credit newbies and vets alike. Good luck, and I hope contacting Citi underwriting gets you the card after the initial denial.

dont wait yacatl. go to myfico.com and look up the reconsideration numbers (where you'll usually have better luck than with a front line customer service rep) for this bank. you've already got the inquiry; call them, explain the situation.

what the frack? you should have gotten it, christoofar. Please, please call into citi underwriting for reconsideration. I hope their computer just hiccuped.

hi stevedaytona, it hasn't been included (i've been checking in to see whether it has or not since you wrote it); also, if you click on 'additional details' it doesn't say you have to be a US citizen in order to apply and be approved for this card, either. One shouldn't have to click on 'apply now' and go through the process in order to find that information out. Thank you for alerting everyone though.

hi edwardd4, that would have been nice. the woman i spoke to said i could not ask for reconsideration. so it sounds like in your case you were already approved, and that's when they'll ask for income verification. i was declined, they weren't going to bother to ask for mine. it also looks like, reading online, their definition of 'excellent credit' was a lot higher than what FICO was officially telling people was an 'excellent credit' rating. I should have gotten in with my actual FICO98 of 739 (FICO98 was and is all myfico.com is offering to the public). I didn't. Since you did get a card, what was your credit limit? same question to ucmba97: what credit limit did you receive? and was your available credit on the cards you already owned higher than or less than 10% of your individual yearly income?

hi bk662. please search online for how to remove those paid collections from your report. i'm sorry you paid them; so many collection agencies are breaking the law forcing people to pay for debts those people do NOT owe; threatening people with jail, with garnishments, with judgements the collection agency cannot legally threaten with; threatening people to pay debts which belong to family members, neighbors, complete strangers in different states; threatening people to pay debts which never existed in the first place and which are made up or grossly misrepresented.

the next time it happens, force them to prove you actually owe the debt. i'm glad you were trying to do the right thing. but collection agencies must ALWAYS be assumed to be trying to do the WRONG thing.

was approved in january 2010 for $4000. They did NOT pull Transunion (the Credit Karma score). They DID pull Experian; 33% utility, 10+ inquiries, Alliant Credit Union said my Experian Vantage score for December was 675. Who knows what my Experian really is. (My average TU score for that month according to Credit Karma, by the way, was 758).

I don't plan to use the balance transfer offer until the very last minute, if at all. Is it true that if you are under a balance transfer promotion, you will not be approved for a credit limit increase?

i thought the lowest for any credit card (except the USBank Rodeo card) was $12000?

Were you listing yourself as a student?

Credit Karma should round up the cards that have no data for highest and lowest approval scores and set them up in their own section. I'd like to say that's unbelieveable that your own bank won't give you a chance..... but some banks were like that before the credit crisis. I'm sorry they shut you out like that.

Apparently, from reading around the 'net, Chase is inquiry phobic and then utilization phobic. They give people automatic denials if their computers see more than 3 inquiries. The last time I applied for a Chase card before the Ink was last summer, and when I called for recon the underwriter woman wouldn't reconsider any of my information, she was stuck on how many inquiries I had -- the majority of which were gained over 12 months before. She didn't even consider when I explained which Experian inquiries were for setting up checking/savings accounts, NOT credit card/LOC loans. I assumed at that point they didn't want my business. Fast forward to last month, everyone keeps talking about Chase Ink, and I want to apply before the CARD Act. Reasons for Denial? Too many balances close to credit limit (one - balance transfer)(my utilization was at 33%, though); too many inquiries. Get this: my financial situation was substantially better than when I applied last summer.

For me, Chase is now in the 'wasted inquiry' section along with Bank of America and American Express (those two will never see an application from me even when my Experian inquiries fall off). The only bank that's been good to me (knock on wood) and good to my business (knock on wood twice) is Citi. Citi gave my business a chance with a $5500 line, and me personally a chance with a $4000 line. Those are 'toy' lines to many seasoned credit card collectors. They aren't to me. Thank you, Citi.

Chase can sit and spin. I only use the cards I do have with them for small monthly purchases to keep the card active -- no interest from me.

709 Transunion score according to Credit Karma? or 709 Experian score, since Chase (in most areas of the country) goes by Experian, NOT Transunion.

14.95 is too much to get three, you have to wait 24hours + 1 minute to update daily (instead of like with credit check total where you can log in whenever you want as long as it's after 12am pacific), and they took away free credit freezes/unfreezes.

the pros are all the nifty tools and graphs they include at the site for a realistic look at how you're doing since paying for service.

it's cheaper than many sites out there, but it's not the cheapest. for casual credit checkers it's a GREAT deal. for folks who like to check every day, not so much.

does the card act require college students with no income to get a co-signer now?

not only no, but heck NO. thumbs down.

thumbs down. i hated when they hooked up with AOL. are they still pushing the 'free' 6 months membership scam?

they don't allow homosexual/lesbian connections. there's no guarantees that the profiles listed are of real people or of folks who had a passing interest than left. thumbs down.

chase cards -- like chase credit limit increase requests -- are a waste of an inquiry for me, too. some folks have great luck with chase cards. i'm not one of them.

what is the name of that department at the 215 number, and would regular customer service be able to transfer to that department since those who need this card most probably aren't going to be able to afford a long distance charge?

christoofar, 'fixed' rates no longer exist. 'fixed' rates can become variable at any time. if your bank or credit union honors a fixed rate, you're lucky -- or you're paying in full. but times are changing, and fixed rates not really being fixed are part of that change.

you're right about not revolving, which can apply to any card right now.

hi, zowiecat. what i've found is that transunion is still the easiest to work with in correcting one's credit report. EXPERIAN is the worst to work with in correcting one's credit report. And in my own personal experience, Experian has had the most errors for me. I think it may depend on region of the country and just personal credit history; but I would like to see the numbers regarding errors. As for Experian preferred by most credit unions, that must be a new thing -- or, again, a regional thing. For a while, banks and credit unions were usually all about Equifax, with Experian being an exception, and Transunion pulled if the other two were frozen, upon request (if banks/cus allowed).

I'd put a freeze on my reports before security alert; but if you have to go there with security alert, then yes.

mnleake0528, smart people take advantage of all their options. having access to your credit report only once a year is great for casual curiosity; but it's suicide for actual credit repair.

I'm just sorry that places like True Credit and Chase' ID Protection have removed access to daily credit monitoring. Not everyone is trying to game the system. But once a month is MUCH better than once a year; and it's a great sensation to be able to correct one's credit report almost immediately instead of waiting for paper copies to reach you -- or (god help you) a year after the damage is done.

True Credit could be cheaper, yes. That's worth a thumbs down. But, again, once a month is better than once a year. And that's why it would ultimately get a thumbs up from me.

Hellochristoofar. To answer some things, I've been with the company I'm with for nearing a decade. This company is not accessing my credit report, and did not access it as a condition of hiring me. I am a part-time employee, as are the majority of employees. The majority also take on additional hours so that many people are not only working full time hours but are working full time plus overtime hours, while officially listed as part time employees.

Simmons First's ONLY (official) reason for not approving me was that I am a part-time employee. That was THE reason on the rejection letter, and the ONLY reason listed.

Things I've found out since making my post: a) First Simmons has been noted online by others for calling your employer, b) First Simmons requires income verification, c) First Simmmons will sometimes do multiple credit pulls -- on the same credit bureau. First Simmons did not give me the option of b (and thankfully they did not do c), so I'm assuming they went to a.

The inquiry is gone, so I won't worry about them. Ever. They don't want me either, so it's even.

I am still interested in other people's experiences with First Simmons. As in, did anyone who wrote before me and akoynarska, who experienced the flash plug in issues, get approvals or denials for their applications? On first page, only one giving post-application information is jpotter004, and jpotter004 was approved -- then had the approval snatched away from them. There have to be more people, like all the people giving this deal a thumbs up, to give a good experience with First Simmons application process and its card benefits after approval. Where are they?

did you actually write down that you had no income on the application?? or did you tell them you were a student (and if so, did you have to prove it with a transcript/class schedule)? how long ago were you approved for this card? 2008? early 2009? a couple months ago?

gamingG, those are great questions you ask. wish a csr was here to answer them for the company.

Hi, publicsavbk. If your company does not pull a credit report to approve an application, then how can your company ask (say) DonPete questions regarding his past credit history to verify his identity?

Do you mean that a credit report is not pulled? or that a credit report is pulled however it is coded as one of the possible 'soft' inquiries only visible to consumers, and not coded as a 'hard' inquiry visible to creditors as well as consumers? I ask, because the process looks a lot like Quizzle and their 'free Experian credit report & score every 6 months' offer. With Quizzle, I received a SOFT inquiry -- in spite of my experian report being frozen. (Quizzle was not able to provide me with my credit report in spite of that, though it did offer me a score; found out Quizzle requires an unfrozen Experian to give a credit report.... in spite of the soft inquiry, but that's off topic and 3 CSRs away.)

So, is Public Savings official stance really that no credit report is pulled? Because that would be misinformation if one is pulled, it's just coded as a soft instead of a hard. How *is* that past credit history information obtained to be verified? if it's not a soft inquiry either. (not a knock on Public Savings or the CSR here graciously giving us information, just wanna know the process.)