SCM,

That is a good idea and if I can I will do it. In the mean time I wanted to ask how do you pull your credit everyday to B TU? I have a monitoring service through truecredit which gives me my 3 scores and credit reports as part of the service but only allows for a refresh every 30 days. Also wanted to let you know that back in September truecredit double charged me on my credit card. I disputed it in October and got credited at the end. Today they cancelled my monitring service and I called them and they told me because I disputed it they automatically cancel the account. They also told me that if I dispute once more I would be permanently locked out of getting my reports. I also had to give them another credit card number because they locked that number out from being used.

Also I have a friend that has no credit at all and would like to build some. He wants to buy a house and can not right now and would like to get into building his credit to eventually buy his own house. What can I tell him to do so that he can start building his credit?

SCM,

I am not finding that refresh options. I went on to transunion.com to see if it would send me elsewhere and it sends me to truecredit. When I go to the scores it has no option when I go to the credit reports themselves I get you can only view your report once every 30. I do the tri-merger 3 in 1 report and maybe that is the problem. Are you doing just the trans union file or are you doing all three like me? I have had this monitoring service since 03 and I only pay 9.95 per month for it. I just taking stabs here but maybe because I am grandfather in and it is now 14.95 per month for what I get I am restricted?

On my friend I gave him that suggestion a while ago but he does not want to do it because he feels it may be unethical. He hates Credit cards that is why he has never had them. Now he wants to buy a house and finds out he needs them. His other buddy told him to apply and try to open department store cards first and go from there. What is your opinion on that?

I was poking around over on CB and saw IBM Global Financing where somebody got a $200K CL. SOOOO, I decided to give it a shot. Had to set up a user account and then went to the financing application. Filled it out, but left the Social Security number of the corporate officer field with only 0's. Even though I did that, they went through Experian and Experian pulled a personal Experian hard inquiry on me. I would have much preferred that my business credit stand on it's own and avoid the personal inquiry, which is now the 9th in the last 6 months. On the upside, I was shocked to seen an instant online approval for $500K, that's half a million!

SCM

I don't know where it can be used and I'll never use it. I'm just hoping that it reports to DNB and/or Experian business report. It sure would pump up my business scores and credibility.

SCM

supercreditman said:Ackering,

I assume you're talking about BT checks from personal accounts. First off, I don't use BT checks for my personal accounts because I don't want any balances on my personal credit accounts. Second, you must read the terms and conditions. Some checks MUST be used to pay directly to credit accounts or you will incur the standard Cash Advance fee, and not a promotional APR. Other checks say right on the accompanying docs that they may be used for anything and will still qualify for the promotional APR. In such case, most banks will require you to deposit the check and wait 5 business days (7 real days, for all practical purposes), for the check to clear. I would leave it blank until I get to the bank and ask them, because they are probably the ones that would return it for being completed incorrectly. Much of finance stuff is done electronically and people don't look at the checks at the credit card company level, in my opinion. From what I've read, Citi handles personal BT checks differently than business BT checks. I saw it mentioned elsewhere, but I don't remember the answer. I once requested Citi BT checks and they told me that I had to fill out who I wanted them to go to when I get them, that's all I remember. Almost all of my Citi BT transactions are done throught the website or with promo offer checks that I write directly to other creditors. The only time I took a direct deposit was when I got a phone solictation from Wells Fargo, offering to deposit the entire limit of my biz LOC into a checking and fix my interest rate at 7.9% for 6 months. At the time, I needed it bad, so I took it. It was impeccable timing for them to give me that offer. That very day, I didn't know what to do, and out of the blue, a phone call saved me.

SCM

When did you do a Citi BT? now i am nervous, i just placed one

Also can you give me the EQ phone number to request an investigation? i went to the equifax website where i have to initiate an oline dispute first, then get a confirmation # and then call a 1800 to request an investigation.

thanks superman

Hey how can you know which creditor CC will pull?

Pyro123,

I got and used that CitiBiz BT check about May of 2005. I'll have to find my recent EQ report dated Dec. 2, 2006, which will have one of the current phone numbers, but you should pull a report and have a report number less than 2 months old to expedite investigations. I can't get the number right now on Christmas Eve because, as a gift, my wife has straightened up my office, and I haven't even seen it until tomorrow. With all those credit accounts you can just imagine the solicitations, BT checks, statements, etc, that she had to go through to organize me. She just made Christmas Eve dinner, so I'll come back shortly to answer the other questions I got.

SCM

NukeMedDude said:formerkeo said:Hey how can you know which creditor CC will pull?

There is a yahoo group with a database called credit pulls.

Can you share the name of the group? I searched "credit pulls" in yahoo groups but didn't get any. Thanks.

iUSB said:

Can you share the name of the group? I searched "credit pulls" in yahoo groups but didn't get any. Thanks.
http://creditboards.com/forums/index.php?autocom=creditpulls

DW decided to apply for a couple more GE accounts since the inquiries are all racked up on EQ, we hope. Still no additional inquiries on Experian, only the one. Here's the 4 extras DW applied for:

Old Navy--deferred--EQ (we think)
Lenscrafters--deferred--EQ(we think)
JCPenney--deferred--EQ (we think)
Ikea--approved--EQ (we think)--$1200

I'm going to insist that she get on the phone with EQ tomorrow and request that the inquiries be investigated.

SCM