Here's what credit we got from 1-20-04 to 4-3-06

[wj2005]

Also, what did your credit look like exactly back 2 years ago? How many CO's and such.

 

Just trying to get an idea because I have applied for the union Plus card and got approved for $2000. I want to start bringing my scores up and would like to compair your credit 2 years ago to mine.

[supercreditman]

AWayne,

 

The credit unions I joined don't require military service. Penfed, you join the National Association of Military Families, which anyone can join. USAA, just call and open a savings account. Have them debit the deposit from a checking. They'll then give you a new member number. Once you have that, you apply for a credit card or other loan.

 

SuperCreditMan

[wj2005]

Thanks for the info on the USAA CU.

[supercreditman]

AWayne,

 

I had a settled account with Discover, 2 settled accounts with MBNA, and 2 settled accounts with Chase, a Bank One vehicle loan late almost every month but paid in full, and a car loan late 10 times during it's 60 month term, but paid in full. The baddies were all less than 6 month old reporting and my scores were all 620-640. I had only one old positive account, which was my 6 year old Lowe's store charge with a $4k limit. The other accounts were all opened just 2 months. In October 2004, for some reason, Discover deleted my bad history from all 3 bureaus. I owed them $9K, got behind, then got current, then told them the problems I was having and asked if they would settle for $7K, and they did. Maybe they thought I wasn't being irresponsible? I opened 3 Bank One cards and a Circuit City Visa, all of which ended up being Chase accounts. A couple of months ago, Chase deleted all my baddies too. Now, I've just got the stubborn car loan lates and MBNA who won't budge from reporting.

 

SuperCreditMan

[ToddieM]

WRT to Discover, my experience mirrors that of SCM.

The baddies fell off rather easily. MBNA, however, took their 7 year sweet time to drop.

[supercreditman]

I kind of like the abbreviation, SCM. Has a nice ring to it. Discover even sent me a pre-approved mail offer to respond by 5-14-06. I'm going to give it a shot after 1 more inq. drops from TU due to "b". By the way, I tried the LUV but on all of my Citi personal websites, and got the form on every site but the Citi Dividend. On that one I got LUV 2 months ago and last month for $1K each time. This month, instead of LUV or the form, I got a 7-10 day message AND A HARD ON TU. They denied due to "too many recently opened accounts". Anyway, that pull is going to be there 'til June 18, but shouldn't stop Discover from approving. On the other hand, if they pull EX, I've got 6 recent inq. from biz LOC's and I'll probably get declined. They seem to be unpredictable who they'll pull.

 

SCM!

[wj2005]

I just request a CLI on my lowes that I have has since 04/99, never late and currently I only had a CL of $250.

 

Requested a CLI of $1000 for a total of $1250 and was transfered to a CSR and it was approved. Hopefully this will help aswell as the few other new TL's I have gotten to increase my credit score with is currently at a 582 on EQ.

 

I have a few CO's on each report that go as high as around $7500. So it sounds like we have about the same credit but just mine are not settled accounts.

[supercreditman]

MBNA is incurrently reporting my 2 closed accounts with them as charge-offs instead of settled. Back then, when Chase was reporting the 2 accounts I had with them, they were saying charge-off too. The Lowes account was personal? The second to last increase they gave me went from $10K to 12K, and I spoke to a CSR. He pulled my personal EQ. The most recent one, about 2 weeks ago, the automated system asked me for my annual household income, and I replied $468K because I'm a sole-proprietor, so biz income is my income. I requested a $1K increase, and the system automatically gave me a $3K increase, so now my Lowe's personal is $15K and so is my Lowe's biz revolving. No hard for this last personal CLI. The last biz CLI also pulled a hard on EQ to go from $10K to $15K.

 

Congrats on the CLI. GE seems to be easy if you don't try too often. Now the Wal-Mart card, that's a different story. They are stingy with CLI's over there. And my Walmart biz revolving limit was opened at $1.5K and decreased to $1K due to lack of usage.

[supercreditman]

AWayne,

 

Try doing what I did with the EQ disputes and app-sprees. There's a thread I posted a reply on about "OMG, my EQ's clean" where I explained how I got a lot of my early accounts opened. Logically, many people should be able to use the "procedure" to get going as quick as I did. I didn't have to show financials until I started dealing with the credit unions and then the biz banks. Personal apps were based only on score and app content. Keep up the good work!

 

SCM

[noagie]

SuperCreditMan,

 

Hello, again, it's noagie. I was wondering where to find the thread you referenced, "OMG, my Ex clean."

I would love to read and research this area as well. My personal credit is shot and I am wanting to get my biz up.

 

Thanks,

Noagie

[supercreditman]

This is the link to the thread about EQ pullers

 

 

http://creditboards.com/forums/index.php?s...opic=163928&hl=

[noagie]

Thanks, SCM

 

I will definately check it out!

 

Noagie

[supercreditman]

I ask all of you, do you all think I'm lying about this list of credit? WilliamByrne has suggested on the PNC checking thread that I'm "fibbing". Should we request the moderator to delete all my posts and I'll shut up? Better yet, why doesn't everyone that has a long list of accounts request to have their posts deleted too? Better yet, why don't all the newbies ask to have all their posts deleted because they're fibbing when the say they got a new account. Better yet, why doesn't the moderator shut the whole board down because everybody could potentially be "fibbing". You decide. Sometimes I'm too wordy by I like to share the details so people don't sent me messages and posts asking later for the details anyway. But, on the other hand, I'm not going to elaborate on every single account and how I got it. When I see a thread that I can offer first hand experience with, I butt in, otherwise, if I don't have any experience, I only read and learn. What's wrong with that?

[roasted]

I for one think that you bring a very significant amount of strategy and discipline to this process, and I think there's something that we can all learn from your methods. That being said, I think it is probably ignorance and cynicism ... with a hint of jealosy that drives some others to say the things that they do. Not that we shouldn't take everything posted on an internet forum with a grain of salt ... but I don't think that there's anything you've posted that is beyond the realms of possibility for a smart, persistent individual armed with the knowledge on this forum.

[supercreditman]

Thanks Roasted,

 

We all can do anything we set ourselves to do. Everbody is created equal. It's what they do with their time and talent that determines what they achieve. I spent almost every waking hour on the internet trying to research, strategize, and then apply for credit. Then, I had to fax financials, copies of bank statements, etc. A lot of work. Plus, I had everyday disasters in my financially struggling businesses that were/are mainly because of inadequate income. I still try a little every day, but I'm stuck at this point. Can't think of any low/no doc LOC's or CC available in Pa that pull TU or EQ that I don't already have or the list would continue to grow. I just got a personal Discover with $5K limit even though I settled with them in 8-03. I could use some help to come up with more credit. I only have one inq. on TU and I don't want to waste the inquiry to apply for a Juniper card even though I'd stand a chance of getting approved. I want Farm Bureau and GE Productivity but the both denied me and pulled EX. I now have 7 in 2 months on EX. Got to stop with EX pullers for now. HELP, HELP, HELP!!!!! I got a pre-approved HD revolving app, even though I've already got one, as well as net, Expo revolving and net, and HDMC. Applied online using the code on the app and got code 25. I won't call, but when they call me, I'll ask if they would combine the pre-approved limit of $7.5K to my $25K HDMC instead.

[noagie]

I wholeheartedly agree w/ roasted. W/ Christ Jesus all things are possible! That's just me and my beliefs! Go Forth and prosper my brother.

 

noagie

[supercreditman]

Could somebody explain how you enter screen shots or graphics into the posts. Like some people show images of their Fico Scores right from the Fico website. That way, I could show online banking pages with proof of my accounts for those that don't believe me. I'm really irritated by being called a "fibber" which I interpret as liar!

[roasted]

Could somebody explain how you enter screen shots or graphics into the posts. Like some people show images of their Fico Scores right from the Fico website. That way, I could show online banking pages with proof of my accounts for those that don't believe me. I'm really irritated by being called a "fibber" which I interpret as liar!

 

You can press (CTRL + SHIFT + PRT SC) on your keyboard at the same time ... which will copy an image of your screen to the clipboard. You can then go into Paint, and select Edit -> Paste to bring the image in for editing. You can then crop the image and black out anything confidential. Once you have an image, you can find any number of free online image hosting services (like PhotoBucket.com), and then click on the Insert Image button here on CB, then copying and pasting the URL of your image to bring it into your post.

[supercreditman]

Thanks Roasted, I'll try that procedure when I get a chance. Does'nt sound too hard.

 

I noticed in your signature that you intend to apply for First Equity. They've got an office in Ft Washington, Pa. near Philly. They are serviced by Colombus Bank and Trust (CB&T) in Georgia. I got one of their applications and applied in 3-04. They pulled my personal EX. They approved for $2K limit at 23% interest. I used the card and left small balances so they could make a little interest, you know, prep them for an increase. After a year, no increase in limit, a 2% decrease in interest rate per phone request, and an annual fee of $28. I never thought I would say this, but, I cancelled them. They simply weren't worth the annual fee, at least in my experience with them. Plus, no online account management at that time, maybe still none.

 

GE Productivity card is hard to get if you have anything at all wrong with personal or business credit. I applied about 3 times, most recently on 3-14-06. The used to pull EQ here in Pa, but the most recent pulls were EX personal and both biz reports. I tried to negotiate explainations for the settled MBNA accounts that are reporting Charge-0ff. No dice. The are rigid. I don't think I'll bother trying for them any more. If they didn't like my 96 EX biz score, 80 paydex, and a 704 (FAKO) personal score, they aren't going to ever approve me.

 

HSBC LOC is just as tough to get as the GE Productivity. DW got the HSBC biz MC. They pulled personal EX and approved for $25K. No baddies on report.

 

National City's Biz Visa is good. I have it in my wallet most of the time because it's one of the few cards that has a fixed 9.9% APR and you can take advances at the same interest rate as purchases. They pulled TU for us. Good card.

 

MBNA gave DW the LOC and biz MC. They pulled both TU and EX personal for approval. The LOC interest rate is too high and they charge advance fees. It's just a backup account that costs an annual fee. Biz MC is OK so far for DW. They did a BT and gave a $22.5K limit. Payments on $1500 are about $32 a month min.

 

BOA LOC is reliable to get money in a hurry with no hassle like you'd have with AMEX. I just advanced $1700 at a bank. Only thing is they gave me a rate of 5% over prime on both LOC's. I've already used BT checks from Citi twice to pay down this LOC. I can't paid the LOC online like I can the CC's. I have to mail or go to the branch 20 miles away, which I do.

 

Compass biz CC pulled TU personal for approval of $25K limit. I BT'ed the max they'd allow of $22.5K to the card for the first year 0% fee. They don't offer the LOC in Pa. I called last week. They, like Sam's Discover, require a sizable payment each month. It started off requiring a minimum $1400 payment. Now that the balance is around $17K, the payment is just under $1K. Online account view, but not payment. I have to mail each month. I get the statement around the 6th and it's due around the 13th. I have to get the payment right out as soon as I get the statement, or I'd be late.

 

Sam's Discover is another one that, like I said, wants big payments each month. I pay online. You have to schedule the payment at least 2 days before the due date because it takes them that long to process it. I started out with a $15K limit. Used 1.9% for 6 months checks that came in the mail to buy $12.5K of home heating oil. Asked before I used the checks if they could increase the limit and they said no. Turned out that when I went online to check a couple days later that the checks had cleared, they did up the limit to $17.5K. I paid a couple of months and called to ask again for an increase because I wanted to use the checks again before they expired on 12-31-05. They put me through directly to an analyst who upped the limit to $25K, which he said was the max without docs. The regular go-to rate on this for me is 12.5% for purchases, which the checks were classified as. The advance rate for me is 14.5%. They report diligently to EX biz report. So does the other product they service, the Premier LOC. I just got it last month and they charged me the $129 annual fee. The new trade line showed up on my EX biz report, for a total of 20 showing. That's why I know my score of 96. I just bought the full report last week and these 2 are reporting. They report the high balance and payment history. The high balance once I used the checks the second time was $17.5K and they show the gradual pay-down to $11.9K over the last couple of months. The other trades on my report are all small. This card is, no doubt, the single most reason I'm getting the CitiBiz cards so easy and with such high limits. The LOC is only reporting the high balance of $100, not the $25K limit. They are classified as "warehouse".

 

SCM

[roasted]

Thanks for detailed on my target accounts! I picked those primarily based on the banks that serve my geographic region, and for the personal CRAs they pull. I've got a couple of collections that I can't get off my EQ ... so unfortunately I don't think there's any way I'm going to get any Chase, Amex, Advanta, or First Horizon. With some more *B* and the fact that I'm also waiting for some personal statements to post - I brought my utilization way down - my TU specifically should be back up there. My EX should be sitting pretty good, except for way too many inquiries. I'm going to be initially focusing on the LOCs and probably the SBA line ... from TU-pulling banks. After a few months go by with no Experian inquiries - I'll try tackling those accounts then too.

 

Thank you again for your advice here - it is greatly appreciated!

[supercreditman]

Roasted,

 

Did you dispute your collections on your EQ report online, and if so, did you see a temporary score boost while they were in dispute. That's how I got several of the EQ pulling LOC's and CC's to approve. My EQ score was low 600's before I applied for the First Horizon, for example. I disputed, the score went up when they pulled, and they approved. I've been with them since. Only downside being that once I was with them a while, and they pulled a couple of softs on EQ after the disputes were verified, and the score was lower, they didn't close the LOC, but they did raise the interest rate from prime + 2 to prime + 3. Still, I'm just glad they didn't close altogether. FH has been of great help to me. One of the first high credit lines I was able to secure. They don't have online payment. Must pay by mail. Anyway, you can doctor your EQ to push the approvals through. You need positive personal credit that will overshadow the stubborn collection accounts to permanantly boost your personal scores. Pushing through biz credit only to have them continually monitor your low personal scores will only lead to problems like I experienced with AMEX closing all my credit. If however, your personal scores could get a boost by lower utilization, then pushing through a LOC or EQ pulling biz CC that you can BT your personal balances to, would also be a permanant way of pumping up your scores, lower utilization. Of the dozens of personal credit accounts adding up to over half a million, the only personal account I have with a balance is my Compass personal Visa with a $1500 balance at 0% APR. That is keeping my scores in the low 700's even with baddies from MBNA and Bank One.

[gregcjackson]

They report diligently to EX biz report. So does the other product they service, the Premier LOC. I just got it last month and they charged me the $129 annual fee. The new trade line showed up on my EX biz report, for a total of 20 showing. That's why I know my score of 96. I just bought the full report last week and these 2 are reporting. They report the high balance and payment history. The high balance once I used the checks the second time was $17.5K and they show the gradual pay-down to $11.9K over the last couple of months. The other trades on my report are all small. This card is, no doubt, the single most reason I'm getting the CitiBiz cards so easy and with such high limits. The LOC is only reporting the high balance of $100, not the $25K limit. They are classified as "warehouse".

 

SCM

 

I didn't know that any business CCs or LOCs reported anywhere. That's good to know.

[Braintan]

Supercreditman,

 

I for one know that you share very accurate information, as quite a bit of it overlaps with my own experiences with specific creditors, and you've mentioned several things that were new to me that I followed up on (Amex dance being one) that worked like a charm. So I for one greatly appreciate the detail with which you share things. You can't take people on the internet too personally.

[ToddieM]

Supercreditman,

 

I for one know that you share very accurate information, as quite a bit of it overlaps with my own experiences with specific creditors, and you've mentioned several things that were new to me that I followed up on (Amex dance being one) that worked like a charm. So I for one greatly appreciate the detail with which you share things. You can't take people on the internet too personally.

 

I would like to add my two cents as well.

If somebody actually had a plan to create a trail of lies wrt to their credit lines, or what they've achieved so far, I would think eventually that trail of lies would catch up to them.

You tell one white lie and you got to tell 15 others to cover that one. Now you gotta tell 15 more to cover each of the original 15. And so on.....

I havent seen anything SCM has said or did to indicate he's spinning such a web.

You shouldnt have to feel compelled to provide proof of anything. If the complaining others dont believe you, they can simply ignore your posts.

I, for one, have done a search on postings by you. I find your info that detailed and informative.

[williambyrne]

I ask all of you, do you all think I'm lying about this list of credit? WilliamByrne has suggested on the PNC checking thread that I'm "fibbing".

 

I never suggested that once. Good God, SCM, get a cover on your insecurities.

 

http://creditboards.com/forums/index.php?s...pic=176376&st=0

 

I merely noted that several disagree with your assessments in particular re: LOCs and CCs without PGs and asked you to comment.