cal3850

Hi, Does carrying a large negative balance on your credit card hurt your credit score?

I don't think the credit card application show up in "inquiries initiated by consumer action"

I think the holiday strategy is good. Holidays count toward the thirty day period of FCRA. If you send now, there is more time in the thirty day period where either the bank is closed or they have smaller staff.

It is in the third paragraph under "Some additional INFO that may help you on your first letter". I don't want them to receive before thirty days is up. Does the postmark date of the second letter matter?

Hi. WWW.chexsystemsdisputes.com says to send the second letter after 27 days if I don't receive a response to the first letter. I thought it was recommended to wait thirty days. Can someone clarify?

I am disputing with a credit reporting agency. It has been almost thirty days, and I am wondering when to send the second letter if they don't respond. Should I send it after my mail comes on the thirtieth day or do it the next day? I also am wondering If I don't receive confirmation from them within thirty days, are they in violation or do they just have to mail the letter that day.

secured cards are ok i don't know the scores, but I though people without credit history would have very similar scores income is very low six figures. I don't have debt and both dti's are same. 6-8

What are credit cards that focus more on income than credit history. I have a big income, but no credit history on my report

It is a credit reporting agency. There are many banks that don't open an account if you are on chexsystems

I want to become more valuable to the bank I have been with for several years. I am on Chexsystems. Should I put more money in the account? What are good ways to become more valuable to your bank so they keep the account open.

Are you on Chexsystems or going to be placed there? That is one thing I would be worried about. They have a forum here about Chexsystems, and there are some good websites like http://www.chexsystemsvictims.com and http://www.chexsystemsdisputes.com. Don't try opening up accounts at Chexsystems banks if you are on Chexsystems.

I want to improve my credit without gettng a credit card. What are good ways to do this? I don't have much, if any, credit history now. I have paid my phone bill for a few years now without a deposit, but it still didn't appear on my credit history. They initially took a deposit because of my credit.

mca is very helpful to people on chexsystems or worried about it. The websites are the best ones on Chexsystems.

Don't get more than one interest-bearing checking account. It increases your chances of being audited.

Is this good for out of state residents?