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First of all Can I get a refund on my FHA Lending Tree mortgage? Looking forward for any response. Another question on my mind: I think I've made up my mind that I'm going to close both my Capitalone card (subprime. 3 yrs old. paltry $1,300 limit. 14% rate. annual fee), and my GMcard (also subprime. |
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The answer is Yes, although you might want to make sure and wait for another person to confirm this as I am on the fence. Better yet, why don't you ask the Lending Tree guys because they can give you an answer better...
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Rackt,.
If you already have all those nice cards, why would you need to replace the sub-prime cards at all??.. |
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MBNA Platinum Plus, but only if you have a decent Experian and Trans Union...
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I'm not a fan of MBNA, but everyone has different opinions, of course. How about another Citi card that you could combine if you want, just to get the CL up. If you're happy with what you have, I'd go for increasing limits to match what you're closing and forget it. That way you don't affect your ratios, and you don't have a new account pulling down your scores for a little while...
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I'd like to have "insurance" on the balance to limit ratio. I don't keep high balances or anything, but it's just nice to know it's there. I buy just about everything on my credit cards, and pay it off soon afterwards...
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Had problems with Experian clearing an old late that should be there. Still fighting it, but both myTU and EFX are well over 700 FICO with no derogs..
I'm usually apprehensive about card companies that pull multiple reports though.... |
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Makes sense. I have a Citi Illumina card, and I told them that I'd like to convert it to platinum card. they said I'd have to apply for it and they can transfer. So perhaps I'll apply for the platinum card, get a good limit, transfer and combine..
Actually, I think I'll call them and ask them about doing this.... |
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It seems to come out whenever anyone asks about obtaining credit. We then get told how irresponsibly gullible we all are with our money, and that we're all poor and can't afford the way we live..
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Not to mention my social status and upbringing were brought into question...
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Yet was it my imagination or was he/she/it promoting hiding money from creditors? oh to be high and mighty......
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ROFLMAO.
Yes - that would be the one. Now I know how he managed to pay cash for everything... |
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1. The one thing that MBNA has that other issuers don't is.
Manual. Review. If the late is old there's a good chance that you'll be approved (they WILL pull TU though as a backup). And if you are not approved, you can call their credit dept or write them via PFB and sweet talk your way into approval.. 2. They usually pull Experian only unless something is amiss, and then they pull TU... |
