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win333
- Senior Member - 2K
rated:
posted: Apr. 19, 2008 @ 2:38p 
Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months. This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards. In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts. MAN! You gotta LUV CITI!!! EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before?? |
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win333
- Senior Member - 2K
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posted: Apr. 19, 2008 @ 2:57p
Got an Email from my IFLY visa (barclay's) ****approved 10K**** Things are lookin up |
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win333
- Senior Member - 2K
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posted: Apr. 19, 2008 @ 4:39p
Letters in the mail today from Associates bank, EQ frozen please unfreeze within 30 days. (my screw up darn it!) It says they tried EQ, just 1 more way to tell who a creditor will pull. Some creditors tell you to unfreeze all 3. Letter from Cambridge trust biz visa, ****approved 7,500**** we'll send your card to your biz address. ELAN FIN. Principal bank, decline **to many INQs*** ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911 Not sure who that is? |
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74ak
- Addicted Member
rated:
posted: Apr. 19, 2008 @ 7:44p
win333 said:
ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911
Not sure who that is? may be this
ICS stands for Issuers' Clearinghouse Service. The Visa U.S.A. Operating Regulations require Issuers to submit information on all consumer credit card applications to ICS. The service was developed at the request of Visa Issuing Members to help reduce card losses on applications. ICS is not a credit bureau, but is similar in some ways and is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA). It is a nationwide database that contains bankruptcy, and bankcard application activity, fraud, and questionable data information.
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win333
- Senior Member - 2K
rated:
posted: Apr. 19, 2008 @ 8:55p
74ak said:win333 said:
ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911
Not sure who that is?
may be this
ICS stands for Issuers' Clearinghouse Service. The Visa U.S.A. Operating Regulations require Issuers to submit information on all consumer credit card applications to ICS. The service was developed at the request of Visa Issuing Members to help reduce card losses on applications. ICS is not a credit bureau, but is similar in some ways and is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA). It is a nationwide database that contains bankruptcy, and bankcard application activity, fraud, and questionable data information. I think that has floated around here a time or 2, I wonder how we can get around it. I also wonder why ALL the creditors don't use it. I must have applied for over 100 accounts in the last 6 month, my ICS report must be a mess. |
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74ak
- Addicted Member
rated:
posted: Apr. 19, 2008 @ 11:03p
win333 said:74ak said: ICS is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA).
.... my ICS report must be a mess. I can't find where I can review my report for free, should be free annually (FCRA)
hmmm |
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win333
- Senior Member - 2K
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swishyx
- Senior Member
rated:
posted: Apr. 20, 2008 @ 2:21p
I think ICS is the outfit that tracks (1) how many apps you've put in (Visa/MC only) as well as whether you were approved or declined. I got a decline (that was inaccurate) deleted from there once. BofA used the report and reported to it. |
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win333
- Senior Member - 2K
rated:
posted: Apr. 20, 2008 @ 2:34p
TyroneSchulace said:Venturion said:TyroneSchulace said:I don't get it. With HHI reported more than double mine, and with your willingness to lie, why don't you do a successful a-o-r? What's this all about, Ty? As far as I can tell, Win has two goals: 1) test the boundaries on inquiries and freezing and 2) explore multi-entity options. I'd say the BT money will flow when he has it figured out. For exactly what are you busting his balls? Not that I mind (everyone has a right to critique), just curious Maybe you're right with #1, and he does have some utility. It's just that he's so full of it I don't know what to believe, and new readers might think he's representative of others on this forum.
His stated purpose is profit. Quoted for preservation "What if you have no sales, you are so lost I'm not even sure it worth it. I'm to busy stealing money to even deal with your ignorance." Then why doesn't he "steal some", instead of rolling ever-increasing balances? Looks to me like Supercreditman (whom I respect) in deep doo-doo.
HHI: Which is it? 300k or 600k? Prolly more like 50k based on his results, not that there's anything wrong with that, it just skews the data.
More misinformation
Couldn't find his posts about wanting to use his driver's license # as his SSN to open bank accounts.
And the ranting makes me think his LLCs are meth labs.
win333: Feel free to PM me. It's people like YOU who chase the REALLY informed people away from fatwallet, Supercreditman has been posting on creditboards as usual!!! You ASSUME just because he hasn't posted on fatwallet that he must be in trouble!!!! Wrong as usual, Maybe there is no value in him posting here with comments like YOURs!! SuperCreditMans thread on creditboards |
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win333
- Senior Member - 2K
rated:
posted: Apr. 20, 2008 @ 2:45p
swishyx said:I think ICS is the outfit that tracks (1) how many apps you've put in (Visa/MC only) as well as whether you were approved or declined. I got a decline (that was inaccurate) deleted from there once. BofA used the report and reported to it.
I wonder if we can have those entries (investigated) and removed.
I think I disputed SO many EQ INQs that they have blocked my address from changing to my current address. I disputed 3 of my mortgages once and now they no longer update (long story).
I know most people are scared to death to dispute an INQ, but when I see CBUSA/CB on my credit report I HAVE NO PROBLEM SAYING IT'S NOT MINE!!!
Also if I apply for a juny card and barclays pulls my report I have no problem saying it's not mine!
EDIT: people who own multiple businesses must have away around this. |
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swishyx
- Senior Member
rated:
posted: Apr. 20, 2008 @ 2:52p
win333 said:I wonder if we can have those entries (investigated) and removed.
I did. Just told them it was not accurate, as I recall. BofA didn't respond to their request for verification and it was deleted. |
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win333
- Senior Member - 2K
rated:
posted: Apr. 20, 2008 @ 4:10p
swishyx said:win333 said:I wonder if we can have those entries (investigated) and removed.
I did. Just told them it was not accurate, as I recall. BofA didn't respond to their request for verification and it was deleted.
I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account. |
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74ak
- Addicted Member
rated:
posted: Apr. 20, 2008 @ 4:52p
win333 said:
I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account. ICS may be a bit harder to dispute. I can request a free report by faxing your docs, then wait for them to mail it to you, ... no fast and easy way to dispute or b* off inqs like with EQ
swishyx, did you dispute inqs with ICS? please share the details of the process
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tolamapS
- Senior Member - 1K
rated:
posted: Apr. 20, 2008 @ 4:58p
win333 said:Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months.
This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards.
In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts.
MAN! You gotta LUV CITI!!!
EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before?? It would be HUGE if you could fund the CITI 40K TY point Savings / Checking account with this card AND get away w/ collecting the cash-back on that. I know it could be risky, but imagine charging $30K twice (once for Savings and once for checking) to get $60K * .05 = $3K. The funny part is you will be taking CITI's money and putting into CITI. Heck, even if they reject you for the 40K TY point bonus, the gain would be huge. |
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tolamapS
- Senior Member - 1K
rated:
posted: Apr. 20, 2008 @ 5:01p
win333 said:Letters in the mail today from Associates bank, EQ frozen please unfreeze within 30 days. (my screw up darn it!)
It says they tried EQ, just 1 more way to tell who a creditor will pull. Some creditors tell you to unfreeze all 3.
Letter from Cambridge trust biz visa, ****approved 7,500**** we'll send your card to your biz address. ELAN FIN.
Principal bank, decline **to many INQs***
ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911
Not sure who that is? You should request your report from this guys. I got mine about 10 months ago, and it looks very interesting. They record every application for Master Card or Visa, sometimes even including credit increase requests. I would say that not every issuer reports the inquiries to ICS, but this is the issuers way of tracking a bit more info. Inquiries stay only for 12 months, supposedly. I am waiting until June to get another copy of my report to check what kind of damage I have got to deal with |
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win333
- Senior Member - 2K
rated:
posted: Apr. 20, 2008 @ 7:00p
tolamapS said:win333 said:Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months.
This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards.
In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts.
MAN! You gotta LUV CITI!!!
EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before??
It would be HUGE if you could fund the CITI 40K TY point Savings / Checking account with this card AND get away w/ collecting the cash-back on that. I know it could be risky, but imagine charging $30K twice (once for Savings and once for checking) to get $60K * .05 = $3K. The funny part is you will be taking CITI's money and putting into CITI. Heck, even if they reject you for the 40K TY point bonus, the gain would be huge.
There is someone here that just funded the citi deal with a citi card, I need to see how it went for him. I put about 10K in charges on the card yesterday within about 10 minutes of activating it. They shut it down, I called, then paypal shut me down so I put the card in my brothers paypal account and finished my purchases.
Thats already 500 for things I was going to put on my AMEX 0% anyway. As soon as I turn my purchases into cash I will pay them off and repeat. Man CITI is either going to LUV me or hate me!
Paypal thinks they have security measures, what a joke! I have put numerous cards in my brothers paypal ID with his name, my address and my credit card # and it goes right thru.
I'm going to start taking credit cards for my apartments (with ID) and charge it as services thru paypal. |
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win333
- Senior Member - 2K
rated:
posted: Apr. 20, 2008 @ 7:02p
tolamapS said:win333 said:Letters in the mail today from Associates bank, EQ frozen please unfreeze within 30 days. (my screw up darn it!)
It says they tried EQ, just 1 more way to tell who a creditor will pull. Some creditors tell you to unfreeze all 3.
Letter from Cambridge trust biz visa, ****approved 7,500**** we'll send your card to your biz address. ELAN FIN.
Principal bank, decline **to many INQs***
ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911
Not sure who that is?
You should request your report from this guys. I got mine about 10 months ago, and it looks very interesting. They record every application for Master Card or Visa, sometimes even including credit increase requests. I would say that not every issuer reports the inquiries to ICS, but this is the issuers way of tracking a bit more info.
Inquiries stay only for 12 months, supposedly. I am waiting until June to get another copy of my report to check what kind of damage I have got to deal with I'll request my report monday and see if it only holds so many INQs like EQ. Since I've applied for 100+ accounts, I should be able to see if the system has a limit. |
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swishyx
- Senior Member
rated:
posted: Apr. 20, 2008 @ 7:31p
74ak said:win333 said:
I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account.
ICS may be a bit harder to dispute. I can request a free report by faxing your docs, then wait for them to mail it to you, ... no fast and easy way to dispute or b* off inqs like with EQ
swishyx, did you dispute inqs with ICS? please share the details of the process
Didn't dispute an inquiry, but did dispute one of the "declined" items.
First I had to order the report - faxed a letter to (216) 615-7642 requesting it, included a copy of driver's license.
After receiving, wrote & faxed a letter including the following item:
The purpose of this letter is to dispute the following inaccurate information on my credit file:
Declined Application Activity Section
Item x
Reference number xxxxxxxxxxxxxxxxxxxxxx
Date yyyy-mm-dd
Institution Bank of America, N.A.
Reason for dispute: Application was not declined.
BofA never responded to their verification request, so it was dropped off of the report like any other CR item where the creditor does not respond. tolamapS' comment about them recording CLI requests is interesting - didn't know that. |
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win333
- Senior Member - 2K
rated:
posted: Apr. 21, 2008 @ 4:44a
Looks like my EQ was chopped on 4/18, I have 85 softs now. My last B* started at around 120, so it should take about 6 more days to start B* again and another 2 days to remove my 10 INQs. If they chop once per month, then we have to get our B* finished before the CHOPPAGE comes. My choppage was 2 days ago, i've added 12 softs since then. So I'm getting chopped down to about 73 softs. How do we get more softs of the type that EQ won't chop???? AR-ADVANTA BUSINESS SERVICES 04/09/08
ND-American Express - OPEN THE 05/18/06
ND-BANK OF AMERICA 04/17/08
AR-CAPITAL ONE 04/03/08
AR-CAPITAL ONE BANK USA NA 02/20/08
AR-CD-INTERSECTIONS 03/13/08
CIC/EXPERIAN ALRTS 04/03/08
CONSUMERINFO.COM 04/20/08, 04/19/08
CIC/EXPERIAN RPTS 04/20/08, 04/19/08
AR-CITIBANK 03/28/08
AR-CITI CARDS CBSD 03/28/08
PRM-CITIFINANCIAL 01/16/08
AR-CITI SD BUSINESS CARD MC 03/28/08
AR-DISCOVER FINANCIAL SERVICE 10/11/07
Equifax INFO SVCS. 09/14/07
PRM-ELITE 10/10/07
Equifax INFO SVCS. 01/10/08, 10/10/07, 10/09/07, 10/08/07
Equifax INFO SVCS 11/30/07
Equifax - UPDATE 11/08/07, 11/08/07, 10/09/07, 10/02/07
Equifax INFO SVCS. 09/27/07, 09/22/07, 09/12/07
Equifax INFO SVCS. 02/23/08, 02/10/08, 01/28/08, 01/23/08, 01/20/08, 01/07/08, 01/02/08, 12/05/07, 11/30/07, 11/24/07, 11/20/07, 10/10/07, 10/09/07, 10/08/07, 10/04/07, 09/14/07
Equifax CONSUMER SERVICES, INC 02/04/08
ND-Equifax CONSUMER SERVICES 04/10/08
ND-Equifax CONSUMER SERVICES 04/10/08
ND-Equifax CONSUMER SERVICES 03/28/08
ND-Equifax CONSUMER SERVICES 03/27/08
ND-Equifax CONSUMER SERVICES 03/20/08
ND-Equifax CONSUMER SERVICES 09/26/07
ND-Equifax CONSUMER SERVICES 09/26/07
ND-Equifax CONSUMER SERVICES 09/25/07
ND-Equifax CONSUMER SERVICES 09/24/07
ND-Equifax CONSUMER SERVICES 09/15/07
Equifax INFORMATION SVS 01/04/08, 09/17/07
Equifax INFO SVCS. 11/01/07, 10/05/07, 10/04/07, 10/03/07, 09/28/07
AR-FIA CSNA 03/06/08
DTC-GE CARD SERVICES 09/19/07
PRM-HOUSEHOLD BANK 03/25/08
INTERSECTIONS 09/22/07
SCOTTRADE 11/30/07
ND-SUNTRUST BANKS, INC. 01/25/08
PRM-SUN TRUST FSB 02/11/08
TrueCredit/CHASE 04/20/08, 04/19/08
TrueCredit/VERTRUE 04/20/08, 04/19/08
TrueCredit/VERTRUE 04/20/08, 04/19/08
TRUELINK 04/20/08, 04/19/08
ND-U.S. BANK 04/15/08
AR-US BANK NA 03/27/08
PRM-USWF 10/02/07
AR-WASHMUTUAL/PROVIDIAN 01/24/08 |
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