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Cloud Residents · US Credit
1k members • Free
3 contributions to Cloud Residents · US Credit
Apr 14 •
Equifax personal information for Experian and TransUnion
Hi all, I noticed that my personal information in EX and TU are not showing the right info. EX: Personal info totally empty, but the address, accounts are reported correctly. TU: Name has coding, but it does show the right name in between. Address and accounts are correct too. Anyone experience the same? I asked few friends that hold ITIN, none of them has the same issue as mine. I'm worrying that if any bank trying to do SP or HP on my EX, it won't return anything by using name, ITIN and DOB since there isn't a match, then I'm consider no credit history. If I need to dispute this, how can I do it? I tried to call Experian, couldn't get hold of a real person after dealing with the robots for 30mins...
0 likes • Apr 14
@Alfredo Diaz close to 9 months now
0 likes • Apr 16
Thank you. Do you know a better way to reach Experian? I tried calling but it just won't reach a human...
Mar 31 •
Amex credit card
Recently trying to apply for AMEX card and asked to provide 4506c form. I did submitted my tax recently but there isn't any income from the US except some stock interest that's so little that I don't need to pay any tax for it. Do I still have a chance to getting approval if I provide 4506c form? If no, any advise what should I do before I apply it again? I'm holding C1 Savor now for about 2 months. Had C1 Platinum and Savor but both were closed in January, both opened about 7-8 months back. TIA.
0 likes • Apr 3
@Ain - Cloud Resident I do have FICO and it's at around 700 now, with 8 months of closed accounts, 2 months open account, 5 months of average accounts. I did submitted tax return with $3 income in 2023, $1 income in 2025. I went ahead and provided all the documents as instructed by amex CS before I see your message... Should I just wait for rejection or call to withdraw?
0 likes • Apr 4
@Ain - Cloud Resident thanks again. I'll just wait it out, if it work out great, If it didn't, I will wait for another few months before try again
Mar 5 •
What’s your ultimate credit card endgame?
The one card you’d consider the final boss, and why?
1 like • Mar 31
Amex brilliant will be my end game. After that would be depending on sub, if it is good then try it then cancel one year later.
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