Most of us all know or have heard of the three large credit bureaus, Experian, TransUnion, and Equifax, but did you know the list of credit reporting agencies (CRAs) is much larger than just those three? Below, is a comprehensive list of CRAs, along with how to contact these credit reporting agencies. The credit reporting agency contact information includes: phone numbers, addresses, and websites. List of Credit Reporting Companies and Their Contact Information (consumerlawfirm.com)

Business credit cards from most banks do not report to personal credit reports. When you apply for a business card, a hard inquiry will still likely show up on your personal credit report, but the account itself isn’t reported to consumer credit agencies by most major banks (with some exceptions) unless your account becomes delinquent. Over the weekend, numerous reports began circulating about Chase business accounts being reported to consumer credit reporting agencies. At this point, it is unclear whether this is a change in policy or an unintended change that can or will be resolved. Doctor of Credit reported yesterday about data points on this. We also had a report in our Frequent Miler Insiders Facebook group from someone who said that they spoke with someone in the “executive office” at Chase who said that this was a change coming on 3/1 whereby all Chase business credit cards would be reported to consumer credit bureaus. The member of our group who reported speaking to someone “higher up” claimed that this was an intentional decision that would be retroactively reporting old accounts as of 3/1/25 and new accounts as of their first statement date after 3/1/25. Personally, I think it is far too early to know for sure what’s happening here. A number of comments I’ve seen indicate that this has happened now in isolated instances in the past and has been possible to resolve with a call to the right department at Chase. This time around, it seems to be affecting far more people. That could be indicative of a policy change. On the flip side, I saw reports from other folks who were told that this is a known mistake that couldn’t be fixed until at least today. I want to emphasize that phone representatives — even supervisors and folks in offices or with titles that sound higher up — often get things wrong. While I think it is far too early to know whether this will be a broad change or is an error, it is certainly worth keeping an eye on this developing situation. The main reason why many would be disappointed if this turned out to be an actual policy change is that it would mean that Chase business cards would add to one’s 5/24 count (and any utilization on one’s business cards would count in their utilization ratio, which could lower one’s score). We will continue to monitor for updates on this.

Personal Cards These cards are listed in order from absolute best to best (e.g the better cards are at the top).  Chase Sapphire Preferred 70,000 Points + $300 Travel Credit – In Branch Read our full review This offer is available in branch only, or can get 60,000 points + $300 online or via referral links. American Express Platinum 175,000 Read our review You might need to open in incognito mode to get the offer to show. Chase British Airways: 100,000 Points Read our review Normally this would either have a much higher $20,000 spend requirement or be for less points. Chase Freedom Flex 10% Grocery Stores Read our review Excellent 10% earn rate at Grocery Stores during the first year on up to $12,000 in spend. $1,200/120,000 max bonus possible. Increased American Express Delta Offers (Up To 110,000 Miles) Read our review Competitive offers but with Delta the bonuses tend to increase over time so I’d only recommend if you have a short to medium term need for the miles. Barclays Aviator Red – 70,000 Miles Read our review Doesn’t require any spend, just a single purchase. Bank of America Sonesta 125,000 Points Offer Read our review

American Express India is increasing the joining/annual fee by 10%. This change will take effect on October 8, 2024, and along with the fee hike, they’re also refreshing the benefits. However, I don't see these changes as positive. **New Benefits: 1. **Renewal Benefit**: A voucher worth 35,000 INR for Taj, Luxe, and Postcard Hotels. As a current cardholder, I know we already receive about 30,000 INR in benefits as a retention offer, so this feels redundant, especially since the spending requirement is set unrealistically high. 2. **Complimentary OTT Memberships**: They are offering an Amazon Prime "lite" membership, which seems underwhelming for a Platinum cardholder. It would have been much better to provide a Netflix Premium subscription instead. 3. **Complimentary Hotel Memberships**: They’ve added Accor Plus, Postcard Hotels, and iPrefer memberships. While Accor Plus has some value, it's available with the Amex Reserve Credit Card and can also be obtained through Accor points. Most Platinum cardholders I’ve spoken to don’t even prefer Accor hotels. The Postcard Hotels Platinum tier is decent, but their hotels tend to be pricey, making it less appealing. iPrefer Titanium is good, but the limited options make it hard to derive value. Instead of these overlapping benefits, a Marriott Platinum membership would have likely been a much better addition. **Benefits Going Away:** The removal of the birthday benefit and the 10K Taj voucher is particularly disappointing. So, is the Amex Platinum still worth the increased fee of 66,000 INR? For many of us, this change means losing 10,000 INR in value while paying an additional 6,000 INR. That’s a net loss of 16,000 INR on a card that’s already expensive. It feels like the team responsible for refreshing the benefits didn’t fully understand the ultra-high-net-worth individual (UHNI) segment and instead offered benefits more suited to a much lower-tier card. This oversight is surprising coming from American Express.

Regis company is absolutely another scam for virtual addresses. I had a absolutely disgusting experience with these guys even though I have spoken with them so many times and the worst part is you have to speak to the local assigned location there is no forward customer service number that you could reach. customer service department or anything like that. They locked me in for 25 months contract not explaining to me the consequences of it. Now I am trying to get out of it and I cannot they said that unfortunately you signed up for 25 months you are stuck paying for it there's no way you could get out. So guys please be careful these guys are biggest scam they do not have a proper customer service center that really helps if you feel to get help from your local assigned location. SMH.