cashmonkey said: ...
I also requested some starter checks. The rep said my balance was too low (it's still only my $5 opening deposit). I didn't want to order a checkbook, just get some starters, but he couldn't help me out.

Wait, you opened an AAFCU account and did not fund it with a rewards cc for $30K or so? What was the point then? I thought cc funding was the most important aspect of AAFCU ...

dougneb said:Funding AAFCU with CC is a YMMV. Some cards treat it as a cash advance, others as a purchase. I opened my Chase Free Checking with a Citi and it was a purchase. I didn't try it with AAFCU but would love to get some data points.

Well, almost everything in this world is YMMV. The fact is (unless I'm totally out of my mind) that AAFCU allows cc funding and has been reported to treat it as a purchase. So, one just have to use the card that's right (e.g., that would not be a PenFed or a BOA card, but Chase and CITI may be ok)

cyberkost said:Well, almost everything in this world is YMMV.

Quoted for preservation. This belongs in the hall of fame.

cyberkost said:The fact is (unless I'm totally out of my mind) that AAFCU allows cc funding and has been reported to treat it as a purchase. So, one just have to use the card that's right (e.g., that would not be a PenFed or a BOA card, but Chase and CITI may be ok)

Thanks. I'll use Citi to set up my wife's AAFCU account.

Update:

Minor adverse action from Juniper, as seen by many others:
They reduced my $15k line to $300 above my current $13k balance.
I haven't received any letters or anything, just noticed it through Yodlee.

Thankfully they did this after the statement posted, so my credit reports don't show 98% utilization on this line.
I guess I'll pay down to 89%.. and then they'll probably repeat the process. Oh well.

In other news, I've bumped off all my TU inquiries with PM123 and CreditKarma.
Especially happy about this since Citi pulls TU for me and they've been very inquiry sensitive lately.

edit: added links

Those sockbiters at Juniper just made another EQ hard pull!!
WTF?! That's their third inquiry, second after approval.

Question: if I freeze EQ, can I still get bumpage?

cashmonkey said:Hmm, doesn't look like bumpage is going to happen anyway.
After pulling my EQ report (directly from EQ, to dispute these damned inquiries), here are my PM123 inquiries:

TRUE CREDIT/VERTRUE 04/22/08, 04/20/08, 04/19/08, 04/18/08, 04/17/08, 03/31/08, 02/29/08, 01/31/08, 12/31/07, 11/30/07

Other than April, each month only has one entry, while I was pulling almost daily. *sigh*
Looks like EQ has remedied bumpage by removing any duplicate entries on a monthly basis.

Yes you can still B* a frozen report, I got 3 B*ed off inbetween the march/april choppage. I'm trying again now with 6 EQ softs a day.

cashmonkey said:Those sockbiters at Juniper just made another EQ hard pull!!
WTF?! That's their third inquiry, second after approval.
I'd lock up EQ before they train-wreck the report. I currently have a lock on EQ in my AOR, am planning to lock up TU after the last "missing inquiries" post, and will probably lock up EX just for post-AOR safety's sake. Probably isn't a bad idea these days anyhow, and gives you more control.

I use EQ's Credit Watch and TC to handle lockage/unlockage; EX looks like it can be done online but they don't have a "service" for it.

- Signed up for TC and locked my TU account (note: if you cancel your TC subscription, your lock is removed!)
- Signed up for EQ Creditwatch and locked that account. (anyone know if this survives Creditwatch cancellation? Edit: as per my cancellation email, it does not!)
- Experian's online security freeze doesn't like me, despite asking me pertinent ID questions. I have to do it by mail.

Sent an email to Juniper protesting their excess hard inquiries.
Also tried disputing them using Equifax's online dispute service.
Will see how it goes.

FYI there are a lot of reports that the use of EQ services to pull reports causes choppage, which effectively halts b*. Don't use the EQ service to pull your report unless you have to.

markkundinger said:EQ's deletion of soft pulls seems to be due to too many pulls from any source, it doesn't matter if it's and EQ service or not.
I know it's going on regardless of what services are in use, but I thought I caught a report of all softs disappearing immediately after an EQ pull.

But then... none of the "choppage" has completely blown all softs off of a report before, so I guess I should have read that more carefully... ok nebbermind