- Centurion Member
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- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
4ktvs wrote:Does it help that the report only has late payments and charge offs on it? No BK or anything else just credit card related baddies.
I didn't really think of how it could take up a lot of employee time but that makes sense.
I think PFD of legitimate baddies is unethical, but it happens...and many baddies other than BK or a court judgement can be removed that way. A 500 FICO can become a 650-675 pretty quickly.
*And the cost of employee time is very real. I recall a thread where someone spent $600 on a PRG one year (from which Amex's 3% fee was about $20), then called and tried to get the AF waived. The CSR's time on the call probably cost Amex more than $20.
To top it off, that person then complained that the quality of Amex's customer service had fallen!
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech